Health & Dental Insurance

While the health-care system in Canada ensures that virtually everyone living here has access to medical services in any part of the country, it doesn't cover everything. That's where private, or extended, health insurance comes in – it is meant to pick up where your government plan ends.

Private health insurance is not the same as emergency health – or travel insurance that you may consider purchasing when you travel outside Canada. Rather, it covers the day-to-day surgeries and treatments that can add up to big bills.

Following are some key questions to ask your insurance provider BEFORE you purchase your health insurance.

  • What does the plan cover?
  • What does it provide that my provincial health-care plan doesn't?
  • What does it not cover?
  • Can I choose from among a variety of different coverages?
  • What limitations or conditions apply?
  • Does it cover drugs for a pre-existing condition?
  • Do I need a medical examination?
  • Is there a deductible? If so, how much?
  • How much will my premiums go up for the same coverage as I get older?

When you have a claim . . .

  • How do I make a claim?
  • Can my health care provider bill the insurance company directly? If not, how long does it take for me to be reimbursed?

To learn more about what Health & Dental Insurance, contact us today.

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