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Visitors to Canada    |   Travel Insurance for Canadians    |    Health&Dental Benefits    |   Group Benefits for Small Business

Health&Dental Benefit Plans

Canadian Health and Dental care insurance - health, dental care, drug, vision care, hospital benefits for self-employed, contract workers, small business owners, retired or retiring individuals, anyone not covered  under group insurance plan (for residents of Alberta, British Columbia, Manitoba, Nova Scotia, Ontario,  Saskatchewan).

 

Insurance Providers:

Manulife Financial (buy on-line)

Group Medical Services (buy on-line)

Desjardins Financial Security

The Edge

•  Ontario Blue Cross

 


 

Special Plans

•  Conversion of Group Benefits

     (no medical questionnaire required)

•  Guaranteed Issue Health&Dental Plans

   (no medical questionnaire required)

•  Dental Plans

•  Prescription Drugs Plans

 


 

 

 

 

Shop for Cheap Health Insurance Plans

(example)

 

Desjardins Financial Security

Health Plus Basic

 

●  Chiropractor, Registered Massage Therapist, Acupuncturist, Homeopath, Naturopath, Osteopath, Occupational Therapist, Physiotherapist, Social Worker, Psychologist, Physiatrist, Speech Therapist/Hearing Therapist
●  Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment

●  Accidental Dental, Ambulance, Hearing Aid, Imaging Techniques, diagnostic laboratory tests

●  Orthopedic Shoes, Plantar Orthosis

●  Travel Insurance

●  Vision Care

 

Call 416-493-0101 for more information and to apply for the policy

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Call
416-493-0101
1-877-443-0101
for free consultation

 

 


 

Individual Health Care Insurance  

 

Get your best quote and buy online Health&Dental insurance.

 

Get a Quote

 

Insurance providers and Plans Available

 Health and Dental Benefits Plan may include: Extended Health benefits , Prescription Drugs, Dental Care, Vision Care, Semi-Private or Private Hospital, Hospital Cash, Medical Travel, Accidental Death&Dismemberment, Catastrophic Coverage.

Get quotes, choose your plan and buy affordable health&dental benefit insurance from the following insurance providers:

 

 Insurance Company

Summary of Health&Dental Plans

Get a Quote or Apply ONLINE

 Manulife Financial  

 FlexCare®: flexible plans for individuals and small businesses

To get a free quote or apply ONLINE, please Click here and follow the on-screen prompts

  FollowMe : conversion of group benefits

To get a free quote or apply ONLINE, please Click here and follow the on-screen prompts

  Association Health and Dental plans : plans for individuals, small businesses and associations

To get a free quote or apply ONLINE, please Click here and follow the on-screen prompts

 Group Medical Services  

    Summary of Benefits

   To get a free quote or apply ONLINE, please Click here and follow the on-screen prompts

 Desjardins Financial Security

 Summary of Benefits (SOLO Healthcare)

 

To get a quote, please call  at

416-493-0101, 1-877-443-0101

 The Edge (underwritten by Green Shield)

 Summary of Benefits

 

Rates

 Ontario Blue Cross

      •  Blue Vision Global Plan

      •  Blue Vision Express Plan

Please call for information  and a quote

at 416-493-0101, 1-877-443-0101


Most Health&Dental Plans (excluding Conversion option, Guaranteed issue and some Dental plans) are MEDICALLY UNDERWRITTEN. If the plan is “medically underwritten,” or “requires a medical questionnaire,” you have to disclose any medical condition, injury or illness that occurred or existed on or before the date of your application.  The premium charged and/or benefits offered could be subject to adjustment or modification of coverage, or declined based on your or your family’s medical background. This will be determined after an evaluation of the information provided on the medical  questionnaire on the application.

 

Conversion of Group Benefits

Your group benefit plan expires soon and you have pre-existing medical conditions?

Get your quote and apply ONLINE for plans designed to offer uninterrupted health and dental coverage for you and your family, when your employment and group benefits end. If you apply within 60 days of your loss of group health and dental benefits, your application will be automatically accepted.  

Plans Summary Get a Quote

 Manulife Financial

    FollowMe

 Basic

 Enhanced

 Enhanced Plus

 Premiere

To get a free quote or apply ONLINE, please Click here and follow the on-screen prompts

 

Guaranteed Issue Health&Dental Plans

Have pre-existing conditions and take medications?

Insurance companies issue Health&Dental Plans, which cover pre-existing medial conditions and medications and do not require Medical Questionnaire at the time of application for this insurance. This policy may be the best solution for you if you have pre-existing medical conditions and medications. However, overall coverage provided by these plans is less than with medically underwritten plans. Please learn what is covered by each insurance plan below and get your quote ONLINE or call us for assistance. 

Plans Summary Get a Quote

 Manulife Financial

   Flexcare (no medical questionnaire required)
     ComboPlus Starter

To get a free quote or apply ONLINE, please Click here and follow the on-screen prompts

   Association plans for individuals, associations and 

   small businesses (no medical questionnaire required)
   Base Health&Dental Plan

 

To get a free quote or apply ONLINE, please Click here and follow the on-screen prompts

 

 Ontario Blue Cross

    Blue Vision Express Plan

 Please call for information  and

a quote at 1-877-443-0101

 

Dental plans

Dental plans include Dental care  benefit as well as coverage for extended health  services:  Registered Specialists and Therapists, Vision Care, Homecare and Nursing, Ambulance, Travel and other benefits. There is no prescription drug benefit  in these plans. Please learn what is covered by each insurance plan below and choose the Dental plan best suited to your needs, wants and budget.

Plans Summary Get a Quote

 Manulife Financial

    Flexcare (no medical questionnaire required)
 DentalPlus Basic : coverage for regular cleanings, fillings, examinations and more, plus regular check-ups

 DentalPlus Enhanced: additional coverage for major restorative work, orthodontic coverage and more

To get a free quote or apply ONLINE, please Click here and follow the on-screen prompts

    Association plans for individuals, associations and 

   small businesses (no medical questionnaire required)
 Base Dental
 Bronze Dental
 Silver Dental
 Gold Dental


To get a free quote or apply ONLINE, please Click here and follow the on-screen prompts

 Group Medical Services
 BasePlan + Dental
 ExtendaPlan + Dental
 OmniPlan + Dental

 

To get a free quote or apply ONLINE, please Click here and follow the on-screen prompts

 Ontario Blue Cross

     (no medical questionnaire required)

    Blue Vision Express Plan

 Please call for information  and

a quote at 1-877-443-0101


 

Prescription Drugs Plans

Prescription Drugs plans include Prescription drugs benefit as well as coverage for extended health  services:  Registered Specialists and Therapists, Vision Care, Homecare and Nursing, Ambulance, Travel and other benefits. There is no Dental Care benefit  in these plans. All Prescription Drugs plans are medically underwritten: they are designed to cover your future losses (like Critical Illness insurance, Disability Income Loss and Long Term Care insurance). Please learn what is covered by each insurance plan below and choose the plan best suited to your needs, wants and budget.  

Plans Summary Get a Quote

 Manulife Financial

    Flexcare (no medical questionnaire required)
 DrugPlus Basic

 DrugPlus Enhanced

To get a free quote or apply ONLINE, please Click here and follow the on-screen prompts

 Group Medical Services
 BasePlan + Prescription Drugs
 ExtendaPlan + Prescription Drugs
 OmniPlan + Prescription Drugs

 

To get a free quote or apply ONLINE, please Click here and follow the on-screen prompts

 The Edge
 
Base Health Plan with Prescription Drug benefit
 Deluxe Health Plan with Prescription Drug benefit
 Platinum Health Plan with Prescription Drug benefit

 

Rates

 Ontario Blue Cross

    (Blue Vision Global Plan)

 Please call for information  and

a quote at 1-877-443-0101

   

 

How can you buy Health and Dental Insurance Plan? 

There are two ways to purchase this policy:

 

1. You can buy Heal&Dental insurance online directly from Manulife Financial or Group Medical Services: just click the link and open the company's secured website.  Then follow instructions - you will get your quote and policy online.  Please Contact us, if you have questions or need assistance.

 

2. Please click here to request a paper copy of the application  and we will send (mail or e-mail) you the  application form for the insurance plan you want to apply for. You will fill out this application and mail it back to us. We will deliver your policy as soon as the insurance company issues it.

 

Why do you need Health and Dental Benefit Insurance?  

Many routine health care expenses in Canada such as dental services, prescription drugs, prescription eyewear, and registered specialists and therapists are not covered by your Government Health Insurance Plan. If you're without an employee group plan, these expenses can come out of your pocket. And should an accident or serious illness occur, additional medical expenses might be difficult to pay. Individual Health Care Insurance can help to cover these costs, and many more. Like any other insurance plans, Individual Health Care Insurance gives you peace of mind, provides a safety net for potential financial losses as well as makes easier the burden of day to day medical and dental expenses. 

 

 

Who is this insurance designed for?

Individual Health Care Insurance is designed for:

  • Self-employed individuals and individuals working on contract

  • Home based business owners and small business owners

  • Retired or retiring individuals to replace group benefits

  • Part-time, seasonal and temporary employees

  • Anyone not covered, or not eligible for coverage under a traditional group insurance plan

  • Those, who want to top-up their existing group coverage


 

If you're self-employed or are an employee of your own business, health and dental premiums may be a non-taxable benefit and a tax-deductible expense. For others, the premiums may qualify as a medical expense and create a tax credit.

 

Here's how it works for self-employed:

Health and Dental Plan Annual Premium:

$900

Tax deduction assuming 30% marginal rate

-$270

Total Net Cost

$630

Saved Annual Expenses (paid through health & dental plan)

Prescription Drug costs

-$180

Dental costs

-$200

Contact lenses

-$100

Chiropractor/Registered Massage Therapist

-$150

Total Expenses

-$630

Your Cost

$0

The above is for illustrative purposes only and is not meant to be representative of every situation. You should seek the advice of a professional to determine your eligibility for tax deductions.

 

Contact us  for more information, free consultation and to choose the policy, which is right for you.

 

If you have any questions or concerns feel free

Ask a Question

 

 

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Revised: January 23, 2014