Health & Dental Insurance

Coverage Beyond OHIP

Provincial health plans don't cover everything. Extended health and dental insurance fills the gaps to keep you and your family healthy.

The Coverage Gap

What Provincial Plans Don't Cover

Canada's public healthcare system covers many basics, but leaves significant gaps in coverage. Prescription drugs, dental care, vision, physiotherapy, mental health, and paramedical services typically require private insurance.

Whether you're self-employed, between jobs, a recent graduate aging off a parent's plan, or a small business owner — I can help you find the right extended benefits plan.

  • Prescription drug costs (average Canadian spends $1,100/year)
  • Dental care — cleanings, fillings, orthodontics
  • Vision care — exams, glasses, contacts
  • Paramedical — physio, chiro, massage, psychology
  • Hospital upgrades — semi-private or private rooms
Comprehensive Healthcare
Plans

Health & Dental Plans

Flexible options for individuals, families, and small businesses.

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Individual Plans

Personal extended health and dental coverage for self-employed professionals, freelancers, and individuals without employer benefits.

  • No medical questionnaire (guaranteed issue)
  • Drug, dental, vision, and paramedical
  • Choose your coverage levels
  • Affordable monthly premiums
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Family Plans

Comprehensive coverage for your whole family — including spouse and dependent children — under a single plan.

  • Cover spouse and children
  • Orthodontic coverage for dependents
  • Dependent coverage to age 21 (or 25 if student)
  • Health Spending Account (HSA) options
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Small Business Group Plans

Attract and retain talent with competitive employee benefits. Plans available for businesses with as few as 2 employees.

  • Customizable coverage modules
  • Tax-deductible business expense
  • Health Spending Accounts (HSAs)
  • Employee Assistance Programs (EAP)
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Prescription Drug Plans

Standalone or supplementary drug coverage to help manage the rising cost of medications.

  • Brand-name and generic coverage
  • Specialty drug programs
  • Direct billing to pharmacies
  • Coordination with existing plans
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Dental-Only Plans

Focused dental coverage for those who only need dental protection — preventive, basic, and major dental services.

  • Preventive: cleanings, exams, x-rays
  • Basic: fillings, extractions, root canals
  • Major: crowns, bridges, dentures
  • Orthodontics (select plans)
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Mental Health & Wellness

Enhanced coverage for psychology, counselling, and wellness services — because mental health matters.

  • Psychology and counselling
  • Virtual care and telehealth
  • Employee Assistance Programs
  • Wellness spending accounts

Find the Right Health Plan for You

Let's review your needs and find a plan that covers what matters most — without overpaying.