Health & Dental Plans
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Health & Dental
Why you need a health and dental plan
Having a private health insurance plan is a smart way to manage out-of-pocket medical expenses that are not covered by your provincial health plan. Health & Dental insurance isn’t one-size-fits all; benefits are completely customizable for everyone, giving you the option to choose basic Health & Dental coverage, or select from our optional upgrades to increase the types of covered expenses and amount reimbursed.
Why you need a health and dental plan
- Self-employed without an extended health care plan
- An employee receiving insufficient coverage from your employer-sponsored group benefits
- Not receiving adequate health and dental benefits from another plan
- A small-business owner with at least three non-related employees (Group Health & Dental Insurance)
Why do I need a private health care plan if I am already covered by my provincial health insurance?
Government-sponsored health plans vary from province to province, and there are many medical services not covered by government plans. Even though you are insured by a provincial plan such as OHIP, MCS, or MSI, among others, extended health care services like physiotherapy, vision care and chiropractor services are usually not covered under public plans, but are essential for maintaining peak physical health.
Group Benefits
Group insurance
Group insurance is an insurance that covers a group of people, for example the members of a society or professional association, or the employees of a particular employer for the purpose of taking insurance. Group coverage can help reduce the problem of adverse selection by creating a pool of people eligible to purchase insurance who belong to the group for reasons other than the wish to buy insurance. Grouping individuals together allows insurance companies to give lower rates to companies, “Providing large volume of business to insurance companies gives us greater bargaining power for clients, resulting in cheaper group rates.
Group Benefits
Group insurance
Healthcare expenses, like prescriptions, dental visits or new glasses can add up fast. Health insurance is essential for managing these costs, protecting your finances from both routine and unexpected expenses. Flexible and upgraded monthly packages available.
