Health and Dental Insurance Canada.

Health and Dental Insurance Made Easy!

Want To Bridge The Gap In Your Provincial Health Insurance?Dental Insurance

The costs of prescription drugs, dental care, ambulances and medical equipment could be staggering.

Can your monthly budget handle a big medical bill?

Your provincial health care insurance plan covers most of our major medical bills, like hospital costs, visits to our doctor, emergency room visits, etc. The good news is that because we live in Canada we all have access to universal healthcare, so we know our primary care needs are covered by one of the world’s best medical systems.

But in Canada the provincial governments don’t cover everything. For many people who do not have an employee benefits health and dental insurance plan (which gives them a prescription drug plan, dental coverage, vision care, supplementary medical services like massage therapy and chiropractic care, etc.) they have to cover these costs themselves. This can often mean delaying or avoiding beneficial medical care until you have saved enough money to pay for the service, or going into debt to get extended medical care.

Both of these options are not good. Wouldn’t it be nice to know you have a health and dental insurance plan that will help you cover the high costs of good dental care, or allow you to get those expensive prescription drugs you need? There are a number of good plans offered to people in Canada. At Life Guard Insurance we suggest you look into the following three companies:

  • Manulife Financial : Flexcare and Followme plans
  • Sun Life Financial: Personal Health Insurance plans
  • The EDGE Benefits: Greenshields Health Insurance plans

If you are and individual or family without supplemental health insurance one of these three companies could provide excellent coverage for you.

Prescription Drug Coverage

Prescription drugs given by your family doctor outside the hospital are not covered by your provincial healthcare system. You will have to pay for these medications out of pocket. For many Canadians who are healthy it doesn’t seem like a big cost to spend $30 – $50 a few times a year for medications for a flu or cold. But you might run into a situation where you need some very expensive, ongoing medications that can cost hundreds of dollars per month. A common example of this is special anti-nausea drugs to help deal with the affects of chemotherapy treatments (which are done in hospital and covered by Canadian universal healthcare).

A personal insurance plan will usually pay 70% – 100% of the cost of prescription medications, up to an annual maximum. Depending on the level of health and dental insurance plan you buy, you can have up to $10,000 of medication coverage per person on the plan.

Extended Health Care and Vision Coverage

Extended medical care is an important feature of your health and dental plan. There are many helpful medical services that people without coverage just go without, even if it could help them improve their overall health. These extended health care services typically include (but aren’t limited to):

  • Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist
  • Psychologist
  • Physiotherapist
  • Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment
  • Speech Pathologist/Therapist
  • Accidental Dental
  • Ambulance transportation, both ground and air ambulance
  • Hearing Aids
These extended health care benefits are usually payable in coordination with any provincial government programs that would provide benefits. They are designed to cover these high medical costs where the provincial government health care plan stops, so you are not left with the bill.
Vision Care: pays out a maximum dollars amount (depending on your plan) every  2 consecutive benefit years to cover the costs towards prescription lenses, frames, contact lenses and laser eye surgery. There is also around $50 every 2 consecutive benefit years towards Optometrist fees. These benefit maximums are payable for everyone on the plan who needs optometrist visits and corrective lenses.

Dental Insurance Coverage

Dental costs can be very steep and a big dental bill can leave you choosing between bills to pay or even having to borrow money. Depending on your needs, you can either purchase basic dental coverage for only preventative care, or coverage for major restorative dental treatments too.

Preventative Dental Coverage

  • Dental coverage is for fillings, cleanings, scalings, examinations, polishing and certain extractions
  • Recall visits every 9 months, per person
Major Restorative Coverage
  • Oral Surgery
  • Periodontics
  • Endodontics (Root Canal)
  • Orthodontics (Braces)
  • Crowns, Bridges
  • Dentures

Insurance coverage for these dental costs can be purchased on its own or part of a more comprehensive plan. As a stand alone plan, Manulife Flexcare offers excellent coverage in two great levels of coverage, DentalPlus Basic andEnhanced. Both Sun Life Financial and The EDGE Benefits combine their dental coverage with prescription drugs plans and extended health care services. These plans are great if you want one complete package, but if you already have adequate prescription drug coverage but need a top up for your dental care, Manulife Financial’s Flexcare plan is a great option.

Contact Life Guard Insurance for Health and Dental Insurance Quotes

If you need help finding a good health and dental insurance plan, you need look no further. At Life Guard Insurance we have independent insurance brokers across Canada ready to help you protect your family from the high cost of drug and dental bills. Contact us today to be connected with a local insurance broker in your area.