Living Benefits · Fill the everyday health gap
Personal Health and Dental Insurance
Help with eligible expenses beyond provincial or employer coverage.
- Prescription and dental options
- Paramedical benefits
- Conversion plans after group coverage
What does personal health insurance do?
Provincial plans cover many medically necessary services, but often not routine dental care, outpatient prescriptions, vision care, private therapy or many paramedical services. Personal plans reimburse eligible expenses subject to deductibles, percentages, limits and exclusions.
Who may need a personal plan?
The value depends on expected use, risk tolerance and access to group benefits.
- Self-employed workers
- Contractors without group benefits
- People leaving an employer plan
- Early retirees
- Families wanting broader routine coverage
Common coverage categories
Plans may include prescription drugs, dental exams and treatment, vision, physiotherapy, massage, chiropractic, psychology, ambulance, travel and medical equipment. Each category can have separate limits and prior-authorization rules.
Read the limits—not just the list of benefits
A service can be listed yet still have a low annual maximum, per-visit cap, co-insurance percentage or waiting period. Drug formularies and dental fee guides also affect reimbursement.
- Annual and lifetime maximums
- Deductible and reimbursement percentage
- Dental recall frequency
- Drug formulary
- Pre-existing-condition limits
Medically underwritten versus guaranteed acceptance
Underwritten plans may provide broader value for eligible applicants. Guaranteed-acceptance or conversion plans can be useful after group coverage ends, but deadlines and benefit levels matter. Apply before the conversion window closes.
Compare premium with realistic usage
Insurance is for risk transfer, not a guaranteed profit. Add expected prescriptions, dental and therapy costs, then compare premiums, deductibles, maximums and the value of protection against unexpected high expenses.
Using the plan
Confirm whether providers can bill directly, retain receipts and obtain pre-authorization for major dental or expensive drugs. Review coverage annually because needs and plan terms can change.
Personalized quote request
Tell us what the policy needs to do.
Tell us who needs coverage and which everyday health expenses matter most.
- Product-specific questions
- Needs-led advisor review
- Your preferred follow-up time
Questions, answered
What people usually ask
Will it cover all dental work?
No. Plans use eligible-procedure lists, reimbursement percentages, fee guides, frequencies and annual maximums.
Are existing prescriptions covered?
It depends on underwriting and the formulary. Some conversion plans treat existing medication differently.
Can I buy only dental insurance?
Some providers offer dental-focused options, availability and value vary by province and applicant.
When should I convert employer coverage?
Conversion deadlines can be short. Review options immediately when employment or group eligibility ends.
A quote should start with your needs
See the coverage gap before comparing prices.
Our guided interview organizes the details an advisor needs and lets you choose the best time for a follow-up.
Start my guided quoteSources and verification
We use official regulator, government and insurer information. Product contracts and eligibility change, verify details for your application.