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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 Ontario, Alberta, British Columbia residents).

 

Summary of benefits:

• Manulife Financial (buy on-line)

• Group Medical Services (buy on-line)

• Desjardins Financial Security

• The Edge

•  Ontario Blue Cross

 

Get Your Health Insurance Quote

•  Health&Dental insurance plans

•  Guaranteed issue Health&Dental plans (no medical questionnaire)

•  Health&Dental benefits: conversion of group benefits  (no medical questionnaire)

 

Group Benefits

Employee group benefits for small and family businesses may include: life insurance,  disability insurance, extended health benefit, prescription drug and dental care benefit, travel insurance, critical illness and other. Get group benefits free quotes from the Canada's top insurance companies!

Visitors to Canada  Insurance

Visitors to Canada travel medical  insurance for visitors to Canada,  returning Canadians, new immigrants, international students, persons who are in Canada on a work visa. Get your quotes and buy online

Travel  Insurance for Canadians

Travel medical insurance designed for  Canadians traveling outside the province (Ontario) or Canada for pleasure or business, snow birds, truck drivers.

Get your quotes    and   buy online 

Life  Insurance

Life insurance in Canada: Choose from the Canada's top insurance companies

• Term life insurance 

• Universal life insurance 

• Whole life insurance 

• Participating whole life insurance 

Mortgage  Protection  Insurance

Mortgage protection plan: Protect your investment in your home!

Critical  Illness  Insurance

Critical illness insurance: Protect you and your loved ones from the financial hardship of a critical illness (up to 25 illnesses)!

Disability  Income Insurance

Disability income insurance: Guaranteeing an adequate income in the event of an accident or illness. Special plans for truck drivers and construction workers.

 

Shop for Cheap Health Insurance Plans

(examples)

 

FlexCare Select

(No medical Questionnaire required)

 

●  Vision Care (Basic)

●  Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist, Psychologist or Social worker, Physiotherapist, Speech Pathologist/Therapist

●  Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment

●  Accidental Dental, Ambulance, Hearing Aid, Best Doctorsฎ

●  Hospital Cash (optional)

●  Fracture benefit (optional)

Buy online

for $28.40 per month

(rate for age under 45, no medical quesiotnnaire required)

 

 

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

for $25.60  per month

(rate for age under 45, medical questionnaire required)

Call 416-493-0101 for more information and to purchase 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 your Quotes

Apply & Buy Online

 

 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, Fracture Benefit, Catastrophic Coverage.

 

Insurance providers and Plans Available

Get quotes and buy affordable health&dental benefit insurance plan :

 

 Insurance Company

Health&Dental Plans

 Manulife Financial  

Get a Quote&Buy On-line

 

 Summary of Benefits :

      •  Flexcare Core plans

      •  Flexcare Stand-Alones

      •  Flexcre Add-Ons

      •  Flexcare Select

      •  FollowMe

 Group Medical Services  

Get a Quote&Buy On-line

 Summary of Benefits

 Desjardins Financial Security

 ▩  Summary of Benefits :

      SOLO Healthcare

 The Edge

     (underwritten by Green Shield)

 Summary of Benefits

 

 Ontario Blue Cross

 Summary of Benefits

      •  Blue Vision Global Plan

      •  Blue Vision Express Plan


Get your quotes from the companies mentioned above and choose your plan

(Ontario, Alberta and British Columbia)

Get Your Quotes

 

Have pre-existing conditions and take medications?

Insurance companies issue Health&Dental Plans, which 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.

 

Get Your Quick Quotes

(No medical Questionnaire)

 

Have pre-existing medical conditions and your group benefit plan expires soon?

Get your quote 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.

 

Get Your  Quotes

(Conversion of group benefits)

 

 

How can you buy Health and Dental Insurance Plan? 

There are three 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. Request for Application and we will send (mail or e-mail) you the  application form for the insurance plan you want to get. 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.

 

3. If you have questions and need more information we can also arrange an appointment at our office or your home (GTA area, Ontario). Contact us us to set an appointment.

 

 

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 (OHIP in Ontario). 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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Investments:     RESP    |  Canada Education Savings Grant  |    Canada Learning Bond    

RRSP   |  Home Buyer's Plan    |    Lifelong Learning Plan   |   Spousal RRSP  |    TFSA   |    Guaranteed Investments   |    Segregated Funds

Revised: January 29, 2012