Health and Dental

Yes! In order to claim your personal health insurance expenses, please make sure that they have been deducted from your own pay and not from your employer.

While the type of covered services as well as benefit limits vary greatly across different insurance providers as well as plans themselves, Extended Health packages usually cover ambulance transportation, eye-treatment, hospital room upgrades, medical appliances purchase/rental, private duty nursing, hearing aids, diabetic supplies, etc.

In order to find out exactly what are the benefits in a plan of your interest, you can always read the Policy Wording or contact our Insurance Advisors to learn more!

Yes, since most of the available Extended Health Insurance packages are based around provincial insurance regulations, when you move to another province or territory in Canada your plan will be reevaluated.

As a result, you may need to pay additional premium or receive a refund depending on the current policy regulations in your province of residence.

Yes! If you’d like to add an extra layer of financial security to your insurance policy you can add optional coverage to your policy!

In most cases, additional coverage includes Prescription Drugs with various coverage levels, Dental Insurance, Travel Insurance as well as other benefits such as Hospital Cash.

If you have already purchased a plan and wish to add more coverage to it, you can do so by contacting our Insurance Advisors!

Unfortunately, routine dental care is not a part of your provincial insurance coverage. While certain medical procedures might be covered if treatment requires you to undergo an oral surgery as a result of a medical emergency, routine oral care is excluded from the government benefits.

With that said, the best way to go about securing your financial well-being when it comes to paying dental care bills is to get a dental insurance policy that provides comprehensive coverage for both major and minor dental treatment services including cleanings, check ups, oral surgeries, root canals, etc.

Although the list of insured services and benefit limits varies depending on the policy of your choice as well as the province of residence, most individual dental insurance plans usually include the following benefits:

              Diagnostic services such as exams and scans; preventive measures including fluoride treatments, polishing; scaling and soot planning; surgical procedures, root canals; endodontic and orthodontics; certain restorative treatments such as fillings; prosthodontic Services including complete or partial dentures services, repairs to onlays / Inlays, bridges and crowns; as well as major restoration of teeth.

In order to find out exactly what are the benefits in a plan of your interest, you can always read the Policy Wording or speak with our Insurance Advisors!

As with most private insurance policies there are certain limits on covered services.

Generally, individual dental insurance policies offer to pay a percentage of the covered services for up to a certain amount per year i.e. 70% or 80% with a $500-$800 annual limit, while the remaining portion of eligible expenses has to be paid out of pocket.

It’s worth noting that many dental insurance plans have a progression-based system when your benefit limits increase the longer you have your coverage in place. For example, during the first year you are covered for 60% of the bill for a maximum of $500. Your coverage will increase to 70% and $700 during the second year, while coverage for year 3 and beyond will go up to $900 and 80%.

Yes, most insurance policies that provide dental coverage offer a transition plan to have you covered for your dental care needs in case you switch your jobs or are no longer employed and covered through your workplace.

In order to learn more about the particulars of such coverage you can contact our insurance advisors.

Your insurance will commence on the effective date you select at the time of enrollment. Yet, it is worth noting that there could be a waiting period before you are able to use your policy and make claims.

Usually, waiting period is 3 months. In order to find out about the duration of a waiting period on a policy you have selected, please read its Policy Wording or contact our Insurance Advisors for details.

Yes, it is! You can claim your dental insurance expenses in your annual tax declaration.

It may come as a surprise, but provincial insurance policy does not cover all possible medical care needs you may have.

Most notably, your health coverage policy does not include things such as dental treatment, prescription medications as well as ambulance transportation and only a few exceptions apply.

That is why, Canadian insurance providers designed a plan that will take care of the costs associated with visits to a dentist, prescription drugs purchases or other medically required services should the need arise.

While the type of covered services as well as benefit limits vary greatly across different insurance providers as well as plans themselves, Extended Health packages usually cover ambulance transportation, eye-treatment, hospital room upgrades, medical appliances purchase/rental, private duty nursing, hearing aids, diabetic supplies, etc.

In order to find out exactly what are the benefits in a plan of your interest, you can always read the Policy Wording or contact our Insurance Advisors to learn more!

Yes! If you’d like to add an extra layer of financial security to your insurance policy you can add optional coverage to your policy!

In most cases, additional coverage includes Prescription Drugs with various coverage levels, Dental Insurance, Travel Insurance as well as other benefits such as Hospital Cash.

If you have already purchased a plan and wish to add more coverage to it, you can do so by contacting our Insurance Advisors!