Health & Dental Insurance

Affordable Coverage for you and your Family

Individuals without health and dental benefits are subject to expensive fees for certain treatments. These costs are magnified when they involve a family. Most employers offer a taxable benefit program to partially offset these expenses however certain business sectors do not. And, it is rare that company benefits will cover all of the costs associated with healthcare and dental treatment.

Provincial Health Plans do not Cover Everything

Even though the provinces of Canada are among the world leaders for providing health care benefits for their citizens, several treatments are not covered or have been eliminated over the years. For instance, Pharmacare1, British Columbia’s health insurance plan does not cover many of our simple necessities such as prescription eyeglasses, wheelchairs or hearing aids. For those that do not have employee funded benefits, these costs can add up quickly.

In Ontario, one third of employees2 do not have any employer funded benefits and the majority are low income workers that make it doubly hard to afford their basic needs. A study conducted by the Wellesley Institute revealed that ‘the vast majority of those in precarious or low-wage jobs do not have employer-provided health plans and are sometimes ineligible for government funded benefits’. Steve Barnes, Policy Analyst at Wellesley says, “We know that not having access to those services can have significant health impacts.”

Health and Dental Coverage is Available and Affordable

Affordable coverage is available for those who are retired, unemployed, employed without benefits, self-employed or just in need of supplementing their current coverage. Insurers are usually flexible in taking your individual requirements and building those into your policy. A few of the core benefits available are:

  • Prescription drugs
  • Dental coverage
  • Extended health benefits including occupational and physical therapists, hearing aid devices, home-care and other healthcare benefits
  • Vision care
  • Life insurance as well as short and long-term disability coverage

If you already have a benefit plan through your employer or an insurer, approval for extended health care benefits are usually automatic. In some cases, a medical questionnaire must be completed prior to approval.

Manulife Financial offers Health, Dental and Extended Health Care benefits with the following options:

  • Coverage for Individuals and Families
  • Coverage for those who are self-employed or those whose group benefits have been terminated

Flexcare offers 7 different health and dental plans (3 of which are guaranteed issue) and many add-on benefits so that you can design a health plan that best meets your specific needs.

Click here to learn more about Flexcare.

FollowMe offers 4 guaranteed issue plans which are designed to "bridge the gap" for people who are leaving a group plan due to job loss or retirement so that their health and dental coverage is not interrupted. As long as you apply within 60 days of leaving your group plan, you are guaranteed acceptance with FollowMe.

Click here to learn more about FollowMe.

Association Health and Dental plans offer 8 different plan choices with options for Dental only and Dental + Drug benefits.

Click here to learn more about the Association Health and Dental plans.