Supplemental Health Insurance Plans – Plan Details, Tax Benefits, Replacement Coverage and More

A growing number of Canadians use Supplemental or Private Health Insurance plans to fill the need left by their Provincial Health Plan. Canadian Health Coverage’s focus is on helping individuals find Affordable Health Insurance coverage.

Private Individual Health Insurance Plans can often be complex and require navigating  in order to get the right plan at the best rate. The plan is tailored to your needs and in many cases can deliver extra benefits that are sometimes overlooked.

Private Health Insurance Plans are meant to cover what your Provincial Health Plan doesn’t. For example looking at healthcare plans in Ontario the Ontario Provincial Health Plan  OHIP will cover Doctor Visits, Medical Emergencies, Hospital Coverage, major surgery and various important procedures .

What things would Private Health insurance in Ontario then cover?

Things not covered by the Government Plan such as Routine Dental Visits, Prescription Drugs are not covered which is why supplementary health insurance is important. These benefits are used daily and with a Private Health insurance plan you are poised to have a better overall Health Regime.

 

Who May benefit from a Supplemental Health Insurance Plan?

• Self Employed Individuals
• Individuals Losing Group Health Benefits
• Temporary Workers
• Contract Workers
• Employees with limitations in their current group plan
• Retirees
• Part-time Employees

What are the requirements for Applying for Supplemental Health Insurance Plans?

• 18 years of age or older (note you can have coverage for a minor with Parent or Guardian Approval)
• Provincial Health Card

There are many aspects of a Private individual health insurance plan which we can help simplify to assist in  your decision. Depending on your needs you may want a Dental only plan, Drug only plan, a combination Drug and Dental plan or just Extended health care. Below is a brief overview of each type of plan:

Types of Supplemental Health Insurance Plans

Prescription Drug Coverage Only Plans:

• Prescription drugs
• Specialists and therapists:Massage, Chiropractor, Acupuncturist and Osteopath
• Psychiatrist Coverage
• Homecare and Nursing
• Travel Insurance included

  

Dental Coverage Only Plans:

• Dental Cleanings, X-rays, checkup
• Endodontics , Root Canals, Periodontics
• Extended Health Care Specialists and Therapists
• Covers Homecare and Nursing
• Travel Insurance included

Combo Drug and Dental Plans

• Prescription Drug Coverage
• Dental Coverage includes Cleaning, Fillings, X-rays, Recall
• Extended Health Care coverage
• Specialists and Therapists, Massage Therapist, Chiropractor, Osteopath, Psychiatrist
• Homecare and Nursing
• Medical Equipment : Diabetic Supplies, Wheelchairs, Orthotics
• Travel Insurance

 

What to do if I’m  losing my Group Health Benefits Coverage?

If you are losing your benefits from your place of employment, within 60 days you can apply for coverage for a Private Individual Health Insurance Plan without medical underwriting and can cover pre-existing conditions. We are able to provide the Best Extended Health Care Plan Canada insurers have to offer.

For more info on our Replacement Supplemental Health Insurance Plans please see here.

Can I claim my Medical Insurance Premiums on my Tax Return in Canada?

Yes.

The Cost will depend on a few factors.

A Self Employed person may generate a tax deduction and others it can qualify as a medical expense and generate a tax credit.

Comparing the Best Canadian Extended Health Benefits carriers plans on the market can be time consuming and complex. We work hard to get to know your needs  and find the right plan for you.

We offer unbiased advice and a free no obligation quote.The best part we can put together many of the plans over the phone and issue a policy that day.

A Prescription Drug Card along with your Policy is sent to you in the mail for insurance company direct billing.  Eliminating out of pocket expenses.

Contact our specialists  at 1-866-833-7992  or Fill in the form below.

We will evaluate your specific needs and provide you with the best option.

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