Supplementary Health Plans

Looking to Supplement Your Provincial Health Care?

Are you concerned about how you will pay for your family’s unexpected health and dental costs?

Government Medicare does not cover many dental and vision care procedures, prescription drugs or extended health care costs. Individuals and families purchase supplementary or private health plans to cover the cost of having to pay a big unexpected expense or even the routine dental and vision care costs. Many find that it is easier to budget a monthly premium than plan for the annual dental and vision check-up costs and unexpected prescription or other medical costs. If you have a claim for covered medical or dental needs, it is paid for by the insurance company with a small deductible in most cases.

Supplementary health plans are not designed to just cover what your routine costs are but it is to protect you against the larger unforeseen costs that can come up in the future. Since most of us do not know if or when we will need coverage for an unexpected problem, many individuals purchase supplementary health plans to move the risk of having to pay a big unexpected expense to the insurance company.

If you have any business income we can show you how you can pay your premiums and deduct them from your business income. This can result in significant savings depending on your source of income and amount of expenses.

Benefits Available Through Most Plan Providers

Private Health and Dental Insurance Plans for Seniors

Are you retiring or recently retired? A guaranteed issue health and dental insurance plan for those who are leaving an existing employee benefits plan can make lots of sense. Although more expensive than other types of insurance plans as it takes into account the guarantees of covering “preexisting and certain” costs, it guarantees that you can continue to claim for existing medical conditions. It’s imperative that you must apply within 30 or 60 days (company dependent) from leaving your employee benefits plan to qualify.

One of the plans we offer covers all the medications you were taking under your old employee benefits plan versus other plans that may not cover preexisting conditions when you enroll. If you have no existing medical conditions, our insurance agents can quote you on normal health and dental insurance plans as they are generally less expensive. These medical, dental, and health insurance plans allow Canadians the ability to continue enjoying medical health and dental benefits even after employment benefits have ended. There’s no need to worry about interruption of coverage for you or your loved ones.

We’ll Help You Shop Market For the Best Rates

To receive a free, no obligation quote, please complete the Health Insurance Quotes form. Our accredited health insurance agents will make use of the information provided to perform a comparative analysis of the marketplace. This process is important because it allows us to better understand your needs, budget, and considerations. A full report of competing quotes from several insurance companies will be sent to you within 24-48 hours. We will continue to assist you to evaluate some of our recommended solutions. When you decide to put the coverage in place, you can count on our agents to be there to further assist you with on-going support at claim time.