Explore personal health and dental coverage around your needs, existing benefits and budget. We help you understand what a plan includes and where its limits apply.
Discuss my health coverage
Personal health plans may help with eligible prescription drugs, dental care, vision care and practitioner services that are not fully paid by public coverage. Benefits differ between plans, with limits and reimbursement percentages applying to each category.
Waiting periods, exclusions, deductibles and annual limits can affect the value of a plan. Eligibility and medical questions vary by product. We review the wording and compare the benefits you expect to use with the premium and your available budget.
Losing workplace benefits can be a useful time to review personal coverage. Some insurers offer transition options with specific application deadlines. Tell us when your current plan ends so we can check the options and timing that may apply.
We begin with your existing benefits and the expenses that matter to you. Bring a current benefits summary and a list of the areas you want to discuss. We can then compare suitable options and explain any information the insurer needs before an application.
No. Each plan defines eligible expenses and applies its own limits and exclusions. Check the benefit schedule before relying on coverage.
There may be individual or transition options. Some have application deadlines, so contact us before your existing coverage ends where possible.
That depends on the product and its underwriting and exclusions. Disclose the information requested and confirm the insurer's terms before purchasing.
Start with a conversation about your goals. Toronto, the GTA, or by video anywhere in Ontario.