HEALTH AND DENTAL INSURANCE

In case you and your family do not have an employer's Group Benefits Plan you are exposed to significant medical expenses that are not covered by OHIP (Ontario Health Insurance Plan), for example:

  • prescription medications
  • dental expenses
  • professional services - chiropractors, massage therapists, physiotherapists, psychologists, speech therapists, naturopaths, acupuncturists, audiologists, dietitians, osteopaths, podiatrists
  • vision care - exams and glasses (lenses or laser eye surgery)
  • hearing aids
  • private duty nursing
  • out of hospital laboratory tests, ultrasound tests, MRI etc.
  • orthopaedic shoes
  • artificial limbs
  • blood glucose monitors
  • casts, splints, trusses, braces or crutches

I would not recommend a do-it-yourself approach when it comes to choosing your Health & Dental insurance plan. A comparison based solely on price could be extremely misleading. It is my job to do an in-depth analysis of all components of the covered services, coinsurance, limits, claims etc. The insurance company will not give you a better price for buying the insurance directly from them without using the services of an advisor! So, please do your shopping around, but do not forget to contact me to double-check your findings.



Contact

Manulife Financial offers Health, Dental and Extended Health Care benefits with the following options:

  • Coverage for Individuals and Families
  • Coverage for those who are self-employed or those whose group benefits have been terminated

FLEXCARE offers 7 different health and dental plans (3 of which are guaranteed issue) and many add-on benefits so that you can design a health plan that best meets your specific needs. For more information on Flexcare insurance, to get a quote and to apply on-line click the following link:



FollowMe offers 4 guaranteed issue plans which are designed to "bridge the gap" for people who are leaving a group plan due to job loss or retirement so that their health and dental coverage is not interrupted. As long as you apply within 60 days of leaving your group plan, you are guaranteed acceptance with FollowMe. For more information on FollowMe insurance, to get a quote and to apply on-line click the following link:



Association Health and Dental plans offer 8 different plan choices with options for Dental only and Dental + Drug benefits. For more information on the Association Health and Dental plans, to get a quote and to apply on-line click the following link: