Health and Dental Insurance Coverages
Canada has amazing health support for our residents, but not every prescription or medical issue is covered by provincial and federal healthcare coverage. Fortunately, health and dental insurance are ready to step in where your provincial coverage ends. At Cluett Insurance, we work with clients across Atlantic Canada, providing the broadest coverage at the best personal health and dental insurance rates. Personal health and dental insurance help pay for things provincial healthcare plans do not cover, including:
- Eye exam
- Eyeglasses prescription
- Dental exam
- Dental services
- Prescription medications
- Massage and other therapies
- Health equipment
Like most insurance products, your personal health and dental insurance policy can be customized to fit your individual needs or the needs of your family.
By working closely with your insurance broker, you can design a health and dental insurance plan which offers only the basics or extends to cover alternative health and wellness activities and services.
Importance of Health and Dental Insurance
In Nova Scotia, a standard dental cleaning or checkup is not covered by MSI. An individual health insurance plan safeguards you and your family from financial hardship and ensures you get the care you need.
Canadians lean on personal health and dental insurance policies for many reasons, including:
Prescriptions
Prescriptions can be expensive, which is not too worrisome for a one-time prescription. However, if you or a family member requires medication long-term, those expenses add up. Health and dental insurance pay up to a set amount per prescription. This amount depends on your policy coverage.
Emergency Travel
If you need an ambulance, your provincial coverage does not pay for your emergency transportation. Depending on your personal health and dental insurance plan, however, emergency travel may be covered.
Regular Dental Health Maintenance And Emergency Dental Work
From fillings to root canals to extractions, emergency dentist visits are on nobody’s “to-do” list, but they happen. Individual health and dental insurance plans give you the financial freedom to save your smile and chew worry-free.
Hospital Accommodations
Your medical and dental insurance allows you to select a semi-private, or private room, during a hospital stay. These rooms typically cost extra money and can be competitive to obtain.
Personal health and dental insurance is beneficial to all individuals, but is especially useful if you are no longer covered through your job, have recently retired, or are between corporate policies.
Plan Conversion
If you are no longer part of a group benefits plan that provides health and dental coverage, you can convert your group plan to a private plan. No medical underwriting necessary and your prescriptions remain covered.
Types Of Personal Health And Dental Insurance Coverage
Depending on your needs, you may choose from several personal health and dental insurance coverage options. For example, if you do not take any prescription medication, we can develop a plan that does not include drug coverage. Your plan will be as unique as you!
Speak with your advisor today to help guide you through a basic plan or one with enhanced coverage. You may divide to choose a basic plan which provides a set amount of coverage on medical and dental expenses, or opt for extended coverage. Getting covered for the below benefits is easier than you think!
Basic Plan
Ideal coverage for unexpected emergencies and health needs. Unexpected health emergencies are scary enough. Having to foot the bill for things MSI does not cover should not be one of your worries. When the unexpected happens, you are covered for things such as an ambulance ride or a wheelchair. You can expand your benefits by adding prescription drug coverage and dental benefits.
Benefits include:
- Preferred hospital rooms
- Ambulance and prosthetic appliances
- Dietitian, osteopath, speech pathologist, and naturopath
Extended Plan
Ideal coverage if you are looking for a wide range of benefits for everyday and emergency needs. With an extended plan, you have coverage for the services you need to be your healthiest. Need new glasses? We will help you out. Do not forget to add prescription drug or dental benefits to complete your coverage.
Benefits include:
- Casts and crutches
- Vision care
- Chiro, physio, and psychology appointments
Is Personal Health and Dental Coverage Right for You?
You may want to consider personal health and dental insurance if:
- You do not have health benefits through your employer
- You need coverage to replace your previous group benefits
- You are self-employed or not eligible for group benefits
- You would like additional benefits not offered by your employer’s plan or your province’s health coverage
Personal health and dental insurance is available to Canadian residents who are covered under their government health insurance plan. Certain eligibility requirements may apply. For more information on individual health and dental insurance options, we invite you to contact Cluett Insurance at (902) 466-5328.