Why do I need it?

What’s Covered?

Individual Health and Dental plans cover most health and dental expenses not covered by your provincial health care plan.

We like to think of it this way. Life insurance ensures that your family will still the get the money you make, even if you’re not around to make it.

Coverage depends on which plan you choose, but the most comprehensive plans will provide coverage for:

Sally can the take that money, and pay off her mortgage, save for their children’s education, and have financial security to cope and move forward in life.

Prescription Drugs

Dental

Orthodontics & Major Dental, including emergency & restorative dental

Vision

Professional Services such as:

Travel Health Insurance

Semi Private Hospital & Hospital Cash allowance

Medical Supplies- braces, crutches, wheelchairs etc.

Orthopaedic Shoes

Hearing Aids

In home Nursing & more…

For more detailed information, get a QUOTE

What’s not covered?

Generally, prescriptions and treatments that are not medically necessary, are not covered.

The following are not covered:

Elective Cosmetic Surgery

Laser eye surgery

Botox

Etc..

I am already taking medication, and I want those covered?

No problem, there are plans that cover existing drugs, and they are known as “guaranteed acceptance plans”. You can get a quote here, but the catch is that they have drugs maximums anywhere between $1,000 and $2,000.

There is plenty of other coverage included in guaranteed acceptance plans… but due to the low drug maximum, you should carefully weigh the pros and cons of covering your existing drugs.

For someone who is not on any drugs, or even for someone who is taking some inexpensive prescriptions… we highly recommend taking a standard plan which provides up to $100,000 of drug coverage per year.

What is the trillium plan?

Trillium is a government funded health plan, designed for individuals who spend more than 4% of their household income on drug costs.

To find out if your prescriptions will be covered you can search the drug formulary here.

To qualify, you must:

1. Have a valid ohip card,
2. Spend more than 4% of your household income on prescription drugs,
3. Be under the age of 65
4. Not be enrolled in Ontario works

What if I’m over 65?

In Ontario, you qualify for Ontario Drug Benefit when you turn 65. Most drugs are covered but not all, you can search here.

You would think that many policyholders would cancel their plans, but that’s not necessarily the case. There is plenty of other coverage included on the plan that makes it worthwhile to hold on to.

Should I keep my plan after 65?

Yes! You will still have coverage for..