This page is intended to answer general
questions about health insurance options.
Q: What health insurance options are available for me?
A: There are many health and dental insurance
plans available, including basic health insurance from your provincial
government. In addition, for those things the government medical plan
does not cover there are other health insurance options. You can purchase
precise coverage from private insurance agencies called Supplemental Health
and Dental Insurance.
What is supplemental health insurance?
A: Supplemental health insurance is health and
dental insurance that you pay for by monthly premium. It is insurance
that bridges the gap between what the government will pay for you and
what is not covered by the government plan. Supplemental Health Insurance
can offer you varied health insurance options for services not covered
by the provincial health plan or that are only partially covered by the
provincial health plan.
Q: How can I get dental insurance if I don't belong to a group
A: If you presently belong to a group insurance
plan, you likely have dental coverage for yourself and your family. If
you do not have a group plan you can choose an individual plan that will
typically cover regular cleanings, x-rays and other treatments. There
is variety of plans with varying degrees of coverage.
Q: What are my health insurance options at the time of my retirement?
A: There are Health Insurance plans specifically for
seniors, plans that the insurance company will be happy to help you with.
However it is wise to think about health insurance benefits for seniors
before you retire. There are insurance benefit packages specifically designed
for seniors and early retirees.
Q: What can I do if my government medical plan
doesn't cover eye exams?
A: Supplemental Health Insurance is available
for such things as eye exams, eye surgery and correction lenses. The average
coverage allows an eye exam every 24 months for each member on the policy.
look for an insurance company that will give you this kind of health insurance
Q: What will the monthly premiums cost?
A: The cost of your monthly premiums depends
upon the health insurance options that you choose and on who is to be
insured. If for example you want to include the highest coverage of dental
insurance the premiums could be much higher than the basic coverage. Generally
the premiums are higher if you are older than if you are younger and are
higher if you are a smoker. Some policies also take into account your
medical history and family medical history to determine your premium.
If you want to include all members of the family within that clause then
again the premiums would be higher.
Q: What if I need dental surgery, dentures or bridges?
A: There is health and dental insurance policies that
cover these services, but not all policies cover these costs. You need
to ask pertinent questions when applying for health and dental insurance
and to make sure that you understand what you are getting.
Q: Can I get coverage for my child or family member's dental
A: This would be a part of supplemental dental insurance
plan. The premiums are higher if you choose to include this in your policy.
Not everyone needs to have braces, but if you feel it might be a necessity
in the future, it would be wise to acquire this insurance as braces for
anyone can be very expensive, a series of treatments can cost anywhere
up to $20,000. A percentage of this is payable through dental insurance
with a much higher premium. It is also taken into consideration as to
whether it is a necessity or otherwise.
Q: How do I find a good insurance company?
A: Many insurance companies offer supplemental health
and dental insurance, each province differs as does each insurance company.
Do your research, get several estimates and compare what you get for the
costs of premiums. Discuss it in detail with your insurance agent before
making any commitment; make sure you understand exactly what the insurance
company’s policies cover and the process. Do you have to pay first
or does the physician or dentist apply directly to the insurance company?
This can be a waiting game; it could take time for you to get the payment
from the insurance company if you have to pay up front . It might be inconvenient
for you to make such a payment at the time of treatment.
Dependable insurance companies may be billed directly from the medical
source but you will have to present your doctor, medical practitioner
or dentist with sufficient proof of your insurance coverage prior to treatment.