Individual Health & Dental Insurance ONTARIO

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 health insurance and dental insurance plans that cover certain benefits with different maximums. Some plans will require you to answer health questions from the medical questionnaire to understand any pre-existing conditions you have 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 individual health insurance plans for you 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 (paramedical services)
• Orthotics
• Ambulance Services
• Homecare Nursing (Registered Nurse, PSW, Occupational Therapist)
• Prosthetic Appliances
• Accidental Death & Dismemberment

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

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

Add-ons

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

• 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 your 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 insurance 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 insurance plan.

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

What it costs

The price of the health and dental insurance 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 to get the right insurance plans and we can send you a quote. All we need are the ages of whoever you are covering in the health and dental benefits:

Send information to: info@orrinsurance.net
or call 1-800-876-4163

Why do you need individual health & dental insurance, Ontario?

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