Prescription drugs
Plans may reimburse eligible medications up to annual maximums, with deductibles or co-pays as stated in the contract.
Insurance
Health & Dental Insurance
Coverage for everyday health costs
Personal health and dental plans may help pay for services that provincial and territorial health programs do not fully cover — such as prescriptions, dental, vision, and paramedical care — subject to plan limits and eligibility rules.
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Educational information only — not personalized advice. No approval or payout is guaranteed.
Why people consider it
What it can help with
Dental care
Cleanings, fillings, and major work may be covered in tiers, often with separate annual limits for basic and major services.
Vision and paramedical
Eye exams, glasses, physiotherapy, massage, and similar services may be included with per-category caps.
Self-employed and newcomers
People without employer benefits often explore individual plans, including guaranteed-issue options with different rules.
The basics
How it works
1
Compare plan types
You review medically underwritten plans, guaranteed-issue plans, and what each covers for your province and situation.
2
Apply or enroll
The insurer assesses eligibility. Pre-existing conditions may be excluded, limited, or subject to waiting periods — not guaranteed.
3
Use benefits per plan rules
You pay providers and submit claims, or use direct billing where available, within deductibles, co-pays, and annual maximums. If two plans exist, claims may be coordinated.
Before you decide
Key things to understand
Provincial plan gaps
Provincial and territorial plans cover many hospital and physician services but often not routine dental, drugs, or paramedical care.
Guaranteed vs underwritten
Guaranteed-issue plans may accept more health histories but can have lower limits. Underwritten plans may offer richer benefits if approved.
Annual maximums
Drug, dental, and paramedical categories often have separate caps. Once reached, you pay out of pocket until the next benefit year.
Pre-existing conditions
Some plans limit or exclude conditions that existed before coverage started. Stability and look-back rules vary.
Timing matters
Applying while covered at work, right after a job change, or later in life can affect available options, underwriting, and waiting periods.
Common questions
Frequently asked questions
Coverage differs by province. Common gaps include prescription drugs outside hospitals, routine dental, vision care, and many paramedical services. Check your provincial plan for current details.
This page is for general educational information only. Coverage, definitions, exclusions, waiting periods, and claims depend on the policy and insurer. No approval or payout is guaranteed.
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