Understanding your options
Health & dental insurance
Provincial health coverage doesn't cover everything. Personal health and dental insurance fills the gaps — especially valuable for retirees, the self-employed, and anyone without group benefits.
What it typically covers
- Prescription drugs;
- Dental care, from routine cleanings to major work;
- Vision care and eyewear;
- Paramedical services such as physiotherapy, massage, and chiropractic;
- Often ambulance, medical supplies, and more.
Who benefits most
- New retirees bridging the gap after workplace benefits end;
- Self-employed and contract workers without group coverage;
- Anyone wanting more comprehensive protection than the public system provides.
The cost of going without
Health costs add up fast — a single dental crown can run well over $1,000. Personal insurance is a safety net that protects both your finances and your health, with plans customizable from basic to comprehensive.
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