Individual Health & Dental InsuranceRed Line

Individual Health Dental Insurance coverage being explained by woman to another woman in an office

Individual Plans for your Family..

No one has a crystal ball – none of us like to think about getting sick, but it is very much a reality for us and those around us.

Did you know there are individual plans out there that can cover you and/or your family for health and dental expenses? Whether you’re losing group coverage or have never had it, protecting your family from large health and dental expenses can be a necessary investment. At Orr Insurance & Investment we will help to find the right insurance to protect you and/or your family from these expenses.

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


– 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:
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.

Frequently asked questions

Question MarkWhat if I or my family members are taking prescription drugs already?

    This is not a problem - there are individual plans that do not require health questions and that will cover your for any current medications/conditions that you or anyone in your family has.

Question MarkHow do I submit claims?

    Claims can be submitted online or through paper. You will receive a drug card and a welcome email with instructions on how to register online so you can start submitting claims.

Question MarkAre braces covered?

    This depends on which dental plan you choose. Typically orthodontics coverage is only covered on the highest tier plans or with an add-on.

Question MarkI just lost my job and benefits, can I apply for individual health and dental insurance?

    Definitely. Since you are leaving group coverage you actually have more options for individual health and dental insurance. Insurers will allow you access to more plans since you are leaving group coverage. They just need to be applied for within 90 days of leaving group coverage.

Question MarkDo I have to cover all of my family members?

    No. You can apply for coverage on whichever family members you want to.

Question MarkAre there cancellation fees?

    No. You do pay two months upfront for whichever plan you choose, but there are no cancellation fees.

Ask our Brokers

Proudly serving southwestern Ontario, we are local, personal and available - family owned and operated, we live in the communities we serve so we care about our clients. Our job is to find you the best competitive combination of price, value and service from over 60 Canadian insurance and investment companies.

Your Orr Insurance Broker can help you determine the appropriate health and dental plan for you and/or your family, provide tips on how to prepare for health and dental expenses

Ask A Broker

Please feel free to contact us now by

Calling 1.800.876.4163

Or you can use the email form and one of our representatives will reply as soon as possible.

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