Health Coverage for the Things Provincial Healthcare Doesn’t Pay For
Prescriptions, dental visits, eye exams, and more — individual health insurance fills the gaps so unexpected costs don’t catch you off guard
What Is Individual Health Insurance?
Provincial health plans cover a lot, but not everything — prescription drugs, dental care, vision care, and many paramedical services are typically not included. Individual health insurance is a personal plan you set up on your own (rather than through an employer) to cover these everyday and unexpected health costs. It’s especially important if you’re self-employed, between jobs, retired, or your employer doesn’t offer benefits.
What Does It Typically Cover?
- Prescription medications
- Dental checkups, cleanings, and procedures
- Vision care (eye exams, glasses, contacts)
- Paramedical services (physiotherapy, massage therapy, chiropractic care, and more)
- Emergency medical services not covered provincially
Plans range from basic to comprehensive — we help you find the right balance of coverage and cost
Why It Matters?
- Employer coverage doesn’t last forever. Job changes, retirement, or self-employment often mean losing group benefits.
- Out-of-pocket costs add up. Dental and vision costs alone can be a significant yearly expense without coverage.
- Predictable costs beat surprise bills. A monthly premium is easier to plan for than an unexpected dental emergency
Who Should Consider This?
- Self-employed individuals and freelancers
- Anyone between jobs or without employer benefits
- Retirees who’ve lost workplace coverage
- Contract workers without access to a group plan
How It Works?
- We review your health needs and typical expenses (dental, prescriptions, vision, etc.)
- We compare plans across insurers to match your needs and budget
- You choose a plan and we help you get set up
- We’re available anytime your needs change or you want to review your coverage
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