Health and Dental Insurance Plans
Life happens and, along the way, we all have our share of bumps and bruises. Injuries and illnesses, and even routine health maintenance important to our well-being, seldom come without cost. Health and dental insurance can significantly reduce your out-of-pocket expenses for prescription drugs, vision care, registered therapists like chiropractors, as well as visits to the dentist for preventive and corrective dental treatments.
What about Medicare coverage?
Canada's Medicare program excludes a number of health and dental services; it covers only services by primary-level physicians and in-hospital care deemed medically necessary. So, you can expect to pay out-of-pocket for:
- Prescription drugs
- Prescription eyewear
- Registered therapeutic services
- Dental services (including routine check-ups, preventive and restorative care)
A smart investment
Canadians can purchase supplemental health and dental insurance plans through health benefits providers in order to fill the gaps in Medicare coverage. It's protection that is part of good financial planning.
A supplemental health and dental insurance plan is ideal for you if:
- You do not have employee health benefits at work, or
- You are about to lose or recently lost your group health plan upon retirement or career change, or
- You are self-employed, working on contract or freelance and don’t have personal health insurance.