Individual Health & Dental Benefits
Everything you need to know about personal health and dental coverage — explained in plain language, without the insurance jargon.
Is This Plan Right For You?
Who Should Consider an Individual Plan?
Retirees
No longer covered by an employer plan and looking to maintain health and dental protection.
Between Jobs
Transitioning between employers and need coverage to bridge the gap without interruption.
Self-Employed
Not covered by a workplace plan and need personal coverage for you and your family.
Is This Plan Right For You?
What Types of Expenses Are Covered?
Depending on the plan, coverage may include a wide range of health services:
Prescription Medications
Coverage for prescription drugs prescribed by your physician.
Basic & Major Dental
From cleanings and fillings to crowns and root canals.
Vision Care
Eye exams, prescription glasses, and contact lenses.
Paramedical Services
Physiotherapy, massage, chiropractor, and more.
Ambulance & Hospital
Emergency transport and hospital accommodation.
Hearing Aids
Coverage for hearing devices and related services.
Dental Coverage Explained
Basic vs. Major Dental — What's the Difference?
Not all dental coverage is the same. Here's how the two tiers compare:
Basic Dental
Included in Most Plans
- Routine cleanings & exams
- X-rays and diagnostics
- Fillings and extractions
Major Dental
Optional or Waiting Period
- Crowns and bridges
- Dentures and implants
- Root canals
Good to Know
Key Facts About Individual Plans
Pre-Existing Conditions
Some plans offer coverage for pre-existing conditions while others exclude them. Waiting periods or limits may apply.
Medical Questionnaire
Not always required. Some plans are guaranteed acceptance — others may require health information before approving.
Customizable Coverage
Choose coverage levels or add-ons like travel or hospital coverage to match your lifestyle and budget.
Switching Plans
You can switch plans later, but a new application may be needed. Some benefits may have new waiting periods.
Costs vary based on your age, province, the benefits included, and whether you're covering a spouse or family. We'll help you find the right plan at the right price.
Still Have Questions?
How Do I Choose the Right Plan?
Work with an independent advisor to compare plans from multiple carriers. We help you understand what's covered — and what's not — so you don't overpay for benefits you won't use.