Health and Dental Insurance - Personal and Group insurance
What is Health and Dental Insurance - Personal and Group insurance?
Health Insurance – Drug & Dental Plan is one considerable option to fill the coverage gaps in your government provided health plan or if your company provided group coverage is due to expire or has recently expired.
There are a few criteria to be eligible to have the replacement health insurance choice.
- You must be a resident of Canada.
- Your age must be between 18 to 74.
- You are or have been previously covered under provincial or territorial health insurance.
Benefits covered under Government Plan are
- Visits to Doctors or hospitals
- Hospitalization inclusive of rooms, meals, prescriptions, and nursing facilities.
- Test essential for diagnosis
Why you need Health and Dental Insurance?
Government insurance plan does not cover a few essential health and dental care services. Private health and dental insurance in Alberta and other provinces act as additional coverage over Government plan. As per Canadian statistics, 80% of Canadians are at risk of having chronic diseases because of changing eating and work habits. Uncertainties especially related to health have been increased post-pandemic and health and dental insurance has become a necessity. 70% of health services are covered by public health insurance while the remaining 30% can burn your pocket, especially dental services. In Canada, Dental services come under one of the expensive services. Ideally, we should get our dental check once in year but due to the high cost, most people avoid it. This imposes a risk on oral health. Having health and dental insurance makes it possible to take regular health and dental check-ups.
Who covers under health and dental insurance
- you are self-employed or a contract worker
- you have recently changed your employment
- you are a small business owner
- you have retired or are ready to retire and your group health benefits are ending soon
- you are not covered under any group insurance plan, or you are not completely protected by your private health insurance plan and want to save money on the ongoing or unexpected medical costs that are not covered by the territorial medical service plan
- Medical care is covered if you get treated abroad and comes back to Canada
- Can access more hospitals and private doctors
- Less financial as well as a mental burden
- Stress-free regarding any unexpected medical situation
- Access to better health and dental services
- Can opt for regular health and dental check-ups
the personal or replacement health insurance plan that covers you for ordinary medical expenses like –
- prescription drugs, emergency medical services, dental care, vision care, hearing aid, orthotics, home care or long-term care,
- any extended health care that includes registered specialists and therapists like massage therapists, chiropractors, physiotherapists, and psychologists,
- catastrophic drug coverage,
- in case of any requirement for medical equipment to assist with your mobility
- any emergency medical travel care,
- semi-private or private hospital expenses and hospital cash
- accidental death & dismemberment expenses
