HEALTH AND DENTAL INSURANCE
Health insurance comes in many forms. It can be purchased by an individual or companies and employee benefits. Health insurance provides coverage for a range of medical and dental expenses not covered by the provincial healthcare system.
- Health
- Dental
- Vision care
- Prescription Medication
- Dental Coverage
- Vision Coverage
- Paramedical Services Coverage
- Travel Coverage
Prescription Medication
When it comes to prescription medication, policy offers a specified amount of coverage and a specified percentage, to help individuals afford the cost of necessary medications. Also, companies will specify if they cover brand names and alternatives.
Dental Coverage
Dental Coverage insurance provides coverage for a variety of dental services, including preventive care (such as cleanings and check-ups), restorative treatments (such as fillings and root canals), orthodontic treatment (such as braces), and major dental procedures (such as crowns and bridges). For major services or things like orthodontists, there is often a cap. Dental coverage may have limits on coverage amounts, waiting periods, and restrictions on certain procedures.
Vision Coverage
Some Health and Dental Coverage insurance plans include coverage for vision care expenses, such as eye exams, prescription eyewear (glasses and contact lenses), and corrective eye surgeries (such as LASIK). Vision care coverage helps individuals maintain optimal eye health and address vision-related issues.
Paramedical Services Coverage
Insurance may provide coverage for paramedical services provided by healthcare professionals such as physiotherapists, chiropractors, registered massage therapists, psychologists, and dietitians. Coverage for paramedical services helps individuals manage chronic conditions, recover from injuries, and improve overall health and well-being.
Travel Coverage
Travel insurance comes standard on most individual health plans, which is for anyone travelling outside the country. Most plans offer 30 days of coverage and $5,000,000 in benefits. Travel insurance coverage typically includes reimbursement for medical treatment, hospitalization, emergency medical transportation, and other related expenses incurred while abroad. For more coverage, you will want to look for a specialty travel insurance product.
As mentioned above individual plans are not the same as employee benefits. Although much of the coverage remains the same when purchasing a plan through a business for your employees, you can customize the coverage far greater than an employee. Here is an important point to remember: We can design and help you get Health and Dental coverage with as little as one employee and become a tax-deductible expense for the business. That means if you’re self-employed, there is a huge possibility you can have coverage for yourself and your family.
In summary, Health and Dental Coverage Insurance provides essential financial protection for medical and dental expenses not covered by government healthcare programs. It helps individuals and families afford the cost of healthcare services, prescription drugs, dental care, vision care, and other related expenses, ensuring access to necessary healthcare treatments and services while minimizing out-of-pocket costs. Policyholders should carefully review their insurance plans to understand coverage options, limitations, and exclusions to make informed decisions about their healthcare coverage. For more information on health insurance feel free to reach out to one of our representatives as we would be happy to help.