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Private Health Insurance Plans Canada

A growing number of Canadians use Supplemental or Private Health Insurance plans to fill the need left by their Provincial Health Plan..

Private Individual Health Insurance Plans can often be complex and require navigating  in order to get the right plan at the best rate. Canadian Health Coverage’s focus is on helping individuals find Affordable Health Insurance Coverage.

Our plans are 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 .This leaves a gap in coverage for important items such as Prescriptions , Dental Coverage, Specialists and Therapists, Ambulance and Travel Insurance.

What things would a Private Health insurance Plan cover?

Important 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.

 

Types Of Health Insurance Plans

health insurance ontario canada
health insurance ontario canada

 

(Requires Medical Questionnaire)

Drug Plus Basic

  • $5000 Per Year Prescription Drugs
  • Specialists and therapists:Massage, Chiropractor, Acupuncturist and Osteopath
  • Psychiatrist Coverage
  • Homecare and Nursing
  • Travel Insurance included

Drug Plus Enhanced

  • $10000 Per Year Prescription Drugs
  • Specialists and therapists:Massage, Chiropractor, Acupuncturist and Osteopath
  • Psychiatrist Coverage
  • Homecare and Nursing
  • Travel Insurance included

Dental Plus Basic   (Guaranteed Issue)

  • Dental Cleanings, X-rays, checkup
  • Yr. 1 50% of first $1150 (Total $575)
  • Yr. 2 80% of first $400 50% of next $860 (Total $750)
  • Vision Coverage
  • Extended Health Care Specialists and Therapists
  • Covers Homecare and Nursing
  • Ambulance
  • Prosthetic, Durable Medical Equipment , Hearing Aids
  • Travel Insurance included
Dental Plus Enhanced
 
  • Dental Cleanings, X-rays, checkup
  • Endontics , Root Canals, Periodontics
  • Yr. 1 70% of first $1200 (Total $840)
  • Yr. 2 100% of first $500 60% of next $700 (Total $920)
  • Vision Coverage
  • Extended Health Care Specialists and Therapists
  • Covers Homecare and Nursing
  • Ambulance
  • Prosthetic, Durable Medical Equipment , Hearing Aids
  • Travel Insurance included

Combo Plus Starter (Covers Pre-existing Coverage)

  • Prescription Drug Coverage ($525 per year)
  • Dental Coverage includes Cleaning, Fillings, X-rays, Recall ($400 per year)
  • Extended Health Care coverage
  • Specialists and Therapists, Massage Therapist, Chiropractor, Osteopath, Psychiatrist
  • Homecare and Nursing
  • Medical Equipment : Diabetic Supplies, Wheelchairs, Orthotics
  • Travel Insurance

Combo Plus Basic (Medical Questionnaire Required)

  • Prescription Drug Coverage ($5000 per year)
  • Dental Coverage includes Cleaning, Fillings, X-rays, Recall ($750 per year)
  • Extended Health Care coverage
  • Specialists and Therapists, Massage Therapist, Chiropractor, Osteopath, Psychiatrist
  • Homecare and Nursing
  • Medical Equipment : Diabetic Supplies, Wheelchairs, Orthotics
  • Travel Insurance
Combo Plus Enhanced ( Medical Questionnaire Required)
 
  • Prescription Drug Coverage ($10,000 per year)
  • Dental Coverage includes Cleaning, Fillings, X-rays, Recall ( $920 per year)
  • Extended Health Care coverage
  • Specialists and Therapists, Massage Therapist, Chiropractor, Osteopath, Psychiatrist
  • Homecare and Nursing
  • Medical Equipment : Diabetic Supplies, Wheelchairs, Orthotics
  • Travel Insurance

How Do I Qualify For Coverage?

 

 

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

Who May Benefit From a Private 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 to do if I'm losing my Group Health Benefits Coverage?

 

If you are losing your benefits from your place of employment, within 90 days you can sign up for coverage for a Group  Conversion 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. Choose your level of coverage and set up a plan with ease.

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

Yes.

Calculating any tax incentives will depend on a few factors.

A Self Employed person may generate a tax deduction and for 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.

Reasons to Get a Private Health Insurance Plan

  • Current Employer doesn’t offer any or has limited Benefits
  • Employed in a Temporary or Seasonal Basis
  • Self Employed and need coverage for yourself and Family

Contact Us Today at 1-866-833-7992

Email: insuranceplans@canadianhealthcoverage.com

Post Author: CHC