Services
Health & Dental Insurance
Coverage for the expenses provincial health plans don't pay.
Provincial health coverage doesn't include prescription drugs, dental care, vision, paramedical services like physiotherapy and massage, or private hospital rooms. A supplemental health plan fills those gaps — especially important if you're self-employed or your employer doesn't offer benefits.
Who this is for
- Self-employed individuals and contractors without workplace benefits
- Families wanting to add dental, vision, or drug coverage
- Retirees losing employer coverage and needing a private plan
- Small business owners looking to offer benefits to employees
Plan types
Ways to get covered
Health & Dental Insuranceisn't one-size-fits-all. Here's a closer look at the main ways this coverage is structured — we'll help you narrow it down to what fits your situation.
Individual Health & Dental Plans
Standalone coverage for one person, combining prescription drugs, dental care, and paramedical services into a single monthly premium sized to your needs and budget.
Family Health Plans
Coverage for you, a spouse, and dependents under one plan — often more cost-effective than insuring each family member separately, with shared annual maximums.
Self-Employed & Contractor Plans
Designed for people without access to employer benefits, including options that qualify as a deductible business expense when structured correctly.
Prescription Drug Coverage
Stand-alone or bundled coverage that helps offset the cost of prescribed medications, with options for higher coverage on maintenance medications.
Critical Illness Coverage
A lump-sum benefit on diagnosis of a covered illness, often paired with a health plan to cover costs a drug or dental plan doesn't touch.
Disability Income Protection
Replaces a portion of your income if you're unable to work due to illness or injury — especially important if you're self-employed with no employer sick leave.
Coverage for the expenses provincial health plans don't pay.— compared across multiple insurers, so you see real options instead of a single company's product list.
Good to know
Things worth understanding upfront
Coordinate with your provincial plan, don't duplicate it
A good health plan is built to complement OHIP or your provincial coverage, filling the specific gaps — drugs, dental, paramedical — rather than overlapping with what's already covered.
Waiting periods and coverage caps vary by insurer
Some plans cap dental or paramedical benefits annually, or apply a waiting period before certain coverage kicks in. We'll walk through the fine print so there are no surprises at claim time.
Premiums can often be a business expense
If you're incorporated or self-employed, health and dental premiums may be deductible as a business expense — worth reviewing with your accountant alongside your plan choice.
Common questions
Frequently asked questions
If you don't have coverage through a spouse's employer, a private health plan is often the only way to get help with prescriptions, dental care, and paramedical expenses. Many self-employed clients are surprised at how affordable a plan can be.
Ready to find the right coverage?
Tell us a bit about what you need and we'll put together options from multiple insurers — no cost, no obligation.