Health and Dental Benefits Plan may include Extended Health benefits , Prescription Drugs, Dental Care, Vision Care, Semi-Private or Private Hospital, Hospital Cash, Medical Travel, Accidental Death & Dismemberment, Fracture Benefit, Catastrophic Coverage.
Insurance Providers and Insurance Plans Available
Shop for affordable health&dental insurance with us. You can get quotes and buy health&dental benefit plans offered by:
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Insurance Company |
Health&Dental Plans |
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► Manulife
Financial
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• FollowMe |
| ► Group Medical Services | |
| ► Desjardins Financial Security |
▩ Summary of Benefits : SOLO Healthcare
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| ► The Edge |
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Have pre-existing conditions and take medications?
You can consider guaranteed issue Health and Dental Plan, no Medical Questionnaire required.
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(no medical questionnaire) |
Have pre-existing medical conditions and your group benefit plan expires soon?
Get your quote for plans designed to offer uninterrupted health and dental coverage for you and your family, when your employment and group benefits end. If you apply within 60 days of your loss of group health and dental benefits, your application will be automatically accepted.
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(conversion from group plan) |
How can you buy Health and Dental Insurance Plan?
There are three ways to purchase this policy:
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You can buy Heal&Dental insurance online directly from Manulife Financial or Group Medical Services: just click the link and open the company's secured website. Then follow instructions - you will get your quote and policy online. Please Contact us, if you have questions or need assistance.
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Contact us and we will send (mail or e-mail) you an application form for the insurance plan you want to get. You will fill out this application and mail it back to us. We will deliver your policy as soon as the insurance company issues it.
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If you have questions and need more information we can also arrange an appointment at our office or your home (GTA area, Ontario). Contact us us to set an appointment.
Why do you need Health and Dental Benefit Insurance?
Many routine health care expenses in Canada such as dental services, prescription drugs, prescription eyewear, and registered specialists and therapists are not covered by your Government Health Insurance Plan (OHIP in Ontario). If you're without an employee group plan, these expenses can come out of your pocket. And should an accident or serious illness occur, additional medical expenses might be difficult to pay. Individual Health Care Insurance can help to cover these costs, and many more. Like any other insurance plans, Individual Health Care Insurance gives you peace of mind, provides a safety net for potential financial losses as well as makes easier the burden of day to day medical and dental expenses.
Who is this insurance designed for?
Individual Health Care Insurance is designed for:
● Self-employed individuals and individuals working on contract
● Home based business owners and small business owners
● Retired or retiring individuals to replace group benefits
● Part-time, seasonal and temporary employees
● Anyone not covered, or not eligible for coverage under a traditional group insurance plan
● Those, who want to top-up their existing group coverage
If you're self-employed or are an employee of your own business, health and dental premiums may be a non-taxable benefit and a tax-deductible expense. For others, the premiums may qualify as a medical expense and create a tax credit.
Here's how it works for self-employed:
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Health and Dental Plan Annual Premium: |
$900 |
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Tax deduction assuming 30% marginal rate |
-$270 |
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Total Net Cost |
$630 |
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Saved Annual Expenses (paid through health & dental plan) |
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Prescription Drug costs |
-$180 |
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Dental costs |
-$200 |
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Contact lenses |
-$100 |
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Chiropractor/Registered Massage Therapist |
-$150 |
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Total Expenses |
-$630 |
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Your Cost |
$0 |
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The above is for illustrative purposes only and is not meant to be representative of every situation. You should seek the advice of a professional to determine your eligibility for tax deductions. |
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If you are a small business owner and want to provide your employees with group health and dental benefits, please click here to get more information and request quotes for your business.
Contact us for more information, free consultation and to choose the policy, which is right for you.
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If you have any questions or concerns feel free |
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