Health and Dental Insurance for Individuals

If you don’t have group benefits through an employer, personal health and dental insurance can help cover costs that provincial health care plans don’t pay for. This includes prescription drugs, dental care, vision, paramedical services (like physiotherapy and chiropractic), and more.

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Why Consider Personal Health Insurance?

Without group benefits, you may find yourself paying out of pocket for healthcare services. Personal health insurance ensures you’re protected against unexpected medical expenses, making it easier to manage costs like:

• Prescription medications.

• Dental checkups, cleanings, and major procedures.

• Vision care, including glasses or contact lenses.

• Paramedical services, like physiotherapy, massage therapy, or chiropractic care.

• Emergency medical travel coverage.

 

Having insurance also provides peace of mind, knowing you’re prepared for both routine and unforeseen health needs.

 

What Does Personal Health Insurance Cover?

Here’s what a typical personal health insurance plan can include:

• Prescription Drugs: Coverage for medications not included in provincial plans.

• Dental Care: Routine cleanings, major procedures, and orthodontics (depending on the plan).

• Vision Care: Eye exams, glasses, or contact lenses.

• Paramedical Services: Physiotherapy, chiropractic, massage therapy, and more.

• Ambulance Services: Coverage for emergency transport.

• Medical Supplies: Hearing aids, mobility aids, and more.

• In-Home Care: Nursing or health aide services.

• Emergency Travel Medical: Protection during trips outside your province or country.

 

Is Personal Health Insurance Worth It?

Personal health insurance may be a good choice if:

• You spend a lot on healthcare services not covered by your provincial plan.

• You want predictable monthly costs instead of large, unexpected bills.

• You’re self-employed, retired, or transitioning off group benefits.

• You have health concerns that could lead to higher medical costs in the future.

 

Many plans are flexible, allowing you to choose coverage that fits your needs and budget. Some plans also guarantee acceptance, even with pre-existing medical conditions.

 

Benefits of Personal Health Insurance

• Affordable Options: Plans for different budgets and lifestyles.

• Customizable Coverage: Choose the benefits you need most.

• Financial Security: Protect against unexpected healthcare expenses.

• Peace of Mind: Be prepared for routine care and emergencies.

 

Take Control of Your Healthcare

Personal health and dental insurance is a practical solution for anyone without group benefits. It bridges the gap between what provincial healthcare covers and what you need, helping you stay healthy without financial stress.