Understanding Health & Dental Insurance

Extended insurance plans are uniquely designed to supplement the province’s government health plan. They offer a range of supplementary health and dental benefits, including prescription drug, dental, vision and hospital coverage not provided by provincial insurance.

Health & Dental Insurance, or Extended Healthcare, is an added layer of coverage intended to mitigate costs that would otherwise not be fully covered by your provincial health services plan.

A personal Health & Dental Insurance policy is designed to supplement your provincial health plan, and any kind of coverage your employer-sponsored group benefits may provide.

Health & Dental Coverage covers a wide variety of health and medical costs: prescription drugs, Dental Care, Oral Surgery, Orthodontics, Vision care, registered Specialists and Therapists, hospitalization, ambulance services, etc.

An employer’s group sponsored Health & Dental Plan has the potential to cover a wide

Most Health & Dental plans are structured to reduce your out-of-pocket expenses, they are not designed to eliminate your medical costs.

Most plans have a maximum allowance per year, or will only pay a certain amount of your claim (coinsurance- typically between 70%-80%), leaving the rest up to you

Who is personal Health & Dental Insurance suited for?

• Those who do not have any kind of coverage through their employer or association, or are at risk of losing coverage due to termination or retirement.
• Anyone who may wish to supplement coverage provided through group benefits plans.
• Wish to create a custom plan that is uniquely tailored to their individual needs.
• Families whose out-of-pocket expenses for health and dental costs would exceed the premium costs of maintaining a Health & Dental Plan.

How Health & Dental Insurance can help you

This type of insurance can help lower your financial risk of being burdened by expenses for health-related services, especially unforeseen medical events, and chronic reliance on medical services.

Extended Health Insurance is perfect for filling gaps that are not covered by your provincial medical services plan, and/or your employer sponsored benefits.

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