Individual Health and Dental Insurance
What Is Individual Health & Dental Insurance?
These are policies that help you cover out of pocket expenses not covered by a provincial health care plan. These contain, but are not limited to, prescription drugs, practitioner services, medical devices and dental care.
Links To OHIP, BCMP & AHS Covered Health And Dental Services
Each province has a medical health plan which varies, province to province. OHIP covers drugs when administered during a hospital stay, however does not cover drugs outside of the hospital. OHIP also has a dental plan for Ontarians ages 17 and under. Ontario does have a drug program called Trillium which helps those in need of assistance with their prescriptions.
British Columbia Medicare Protection has a dental program for people under the age of 19, or on assisted income.
Alberta Health Care also has coverage for dental treatment services.
Ontario
OHIP - OHIP Coverage
OHIP Youth Dental Plan - Healthy Smiles Ontario
Trillium Program - Drug Program
British Columbia
Medicare Protection Act - Link
Alberta
Alberta Health Care Plan - AHCIP
Other Questions About Individual Health And Dental Insurnace
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Travel cost is typically part of a group benefit program, but must be added on for an individual health and dental plan, at an additional cost, dependent on the carrier.
You can also purchase a stand alone travel insurance policy that allows you to pick the amount of days you will be out of the country.
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Travel Insurance covers health care and hospitalization should an emergency happen while out of your province or country. It protects you in the event that you may not be able to return home to be treated. In some cases, it will pay for repatriation of the patient.
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If you have been diagnosed with an illness or condition that requires an expensive medication, we will help you navigate the process to ensure you are able to have the drug needed.
The process
Not all drugs will be covered by your insurance carrier. It is best to have a predetermination submitted to the carrier so there are no surprises. Each carrier has a compendium of drugs they have on their schedule of benefits -
A biologic is any drug given subcutaneously (by injection). While insulin is considered a biologic, it is covered by all insurance carriers.
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Cancer treatment drugs are not covered in Canada with the exception of chemotherapy administered in a hospital. Most cancer drugs are covered by a group or private insurance plan, however we do suggest you get a predetermination.
Whether you are self-employed, you don’t have coverage through your work, or you are a family in need of health, prescriptions, and dental coverage, there is a plan available for you.
We work with many companies that offer these benefits and are happy to create the package that you need.
A big part of your financial planning is ensuring you have a good health and dental plan.
Individual or family plans can give you access to prescription drugs, hospital, vision, ambulance services and practitioner services such as chiropractor, massage therapy, osteopath and many more.
A health plan can also include travel insurance.
Dental plans can be basic coverage that may include 6 month check ups, fillings, scaling, and periodontics. Major dental can be added to include root canals and crowns among other benefits.
