Individual Health & Dental Insurance

What is covered

In the individual health/dental plan market there are set plans with set coverages. Depending on your needs, you will be able to choose from a few different plans that cover certain benefits with different maximums. Some plans will require health questions and some will not. If you or any dependents are currently taking medications you may want to steer towards the plans with no health questions.

Health – Here are a few of the things that can be covered under the individual health plans for your and/or your dependents:

• Prescription drugs
• Travel Coverage
• Vision
• Massage Therapist, Chiropractor, Physiotherapist, Osteopath, Naturopath, Podiatrist, Acupuncturist, Dietitian, Psychologist, Psychotherapist, Clinical Counsellor, Speech Pathologist/Therapist
• Orthotics
• Ambulance Services
• Homecare Nursing (Registered Nurse, PSW, Occupational Therapist)
• Prosthetic Appliances
• Accidental Death & Dismemberment

Dental – Here are a few of the things that can be covered under the individual dental plans for your and/or your dependents:

• Basic Services: fillings, cleanings, scalings, examinations, polishings, and select extractions)
• Annual check-ups
• Oral Surgery
• Periodontics
• Endodontics (root canal)
• Major Dental (orthodontics, crowns, bridges, dentures) – benefits typically commence in year 2

Add-ons

– with select plans there are a few “add-ons” that you can have included for an additional premium:

• Catastrophic: this add-on requires health questions, and can be added to give you and/or your family higher prescription drug coverage.
• Dental: you can enhance you and/or your family’s dental coverage with any plan. This can include orthodontic coverage, higher maximums and more frequent recall exams.
• Hospital: if you want semi-private or private hospital coverage this can be added to most plans.
• Enhanced Vision: you can add higher prescription glasses/contacts coverage for you and/or your family.
• Travel Coverage: you can add additional days to your trip duration for travel insurance.

Who is covered

Single – if you have no eligible dependents you can apply for a single health & dental plan.

Family – if you have one or more eligible dependents, you can apply to cover them under the plan as well. Eligible spouse needs to be a common-law spouse or married, and eligible children are up to age 21.

What it costs

The price of the plan will depend on two things: which plan you choose and your age(s). The available plans go from the least amount of coverage (maximums, what is covered, etc.) to the highest offering. The price for each will depend on which age band you and/or your family members fall into. Feel free to contact us and we can send you a quote. All we need are the ages of whoever you are covering:

Send information to: info@orrinsurance.net
or call 519-271-4341

Why do you need individual health & dental insurance?

If you are losing or have never had group health/dental insurance, purchasing individual health/dental insurance is a way of ensuring that your family is covered in the event that someone becomes ill. Prescription drug costs are becoming more expensive as advancements in the medical field continue to rise. More diseases are now curable and more conditions are now treatable.

If you’re struggling with whether or not individual health & dental insurance is right for you, here are some things to consider:

• Individual health and dental plans can help you manage routine and unexpected costs, helping protect your budget and your lifestyle.
• You can build the health and dental plan that best suits you and/or your family for the needs that are important to you.
• Regardless of age, health and dental plans are available for all residents of Ontario who have OHIP coverage.