Posted by The cost of healthcare in Ontario is rising, and it’s so important to have a plan in place in order to protect yourself from financial ruin. This is why having your health and dental insurance in Ontario is so necessary.
In Ontario, a good health and dental plan should pay for your prescription drugs, dental care, doctor’s visits, vision checkups, and many others.
We will highlight 7 of the best health and dental insurance you will find in Ontario. Let’s quickly delve into this.
Table of Contents
Factors You Should Consider When Going For Getting A Health and Dental Insurance Plan in Ontario.
As you know, each of the health and dental insurance providers mentioned above offers you a range offer insurance plans that can cover just you, and your family, and some that can cover your businesses.
So by the time you are comparing these providers, Make sure you consider the following factors;
- Coverage options
- Exclusions & Limitations
- Overall cost.
- Provider’s Network
- Quality of Customer Service
Aside from these points, We always advise that before you apply for any insurance, Always make sure that you have taken some time to understand your specific needs and the type of coverage that would be more beneficial both for you and your Family.
Do you know that there can be changes to your insurance plan with time?
This is one of the reasons you must stay informed about these changes so that you can also take advantage of most of the Regular check-ups, preventive care services, screening, and others that will come up with time.
The Difference and Relationship Between Health And Dental Insurance And How to Choose The Right Combination
Just like you have always known, Health and dental insurance are two different types of insurance that offer you different coverage options.
But, if you are just getting to know, Your health insurance typically covers your medical expenses such as;
- Doctors Visit
- Hospital Stay, and
- Prescription Drugs.
Dental Insurance on the other hand typically covers all expenses that are related to your Dental care. Hope you got that! Some of your dental care services that are usually covered include;
- Regular-checkups
- Tooth Cleaning
- Filling and many more.
However, This is why we advise that as you are choosing a combination of health and dental insurance, always define your Specific Needs. This is so that you can be able to choose a plan that offers the exact coverage options that are most important to you.
Best Guide on How to Choose a Provider Network
You need to clearly understand that when it comes to health and dental insurance, especially in Ontario, the Provider Network remains a major consideration!
You may be asking what we mean by Provider Network…
A Provider Network is simply the group of health and dental care providers such as doctors, dentists, and hospitals, that an Insurance company contracts to provide you with your health and dental services according to your coverage.
Therefore, When you are choosing a provider network, you must also consider factors such as;
- The Size of the Network
- The Quality of the Network, and also
- The Availability of the specialist as agreed.
The 7 Best Health and Dental Insurance in Ontario
Here is a list of the 7 Best Health and Dental Insurance in Ontario:
- ManuLife Health and Dental
- Ontario Blue Cross
- Sun Life Financial
- Canada Life Assurance Company
- SureHealth
- CAA South Central Ontario
- The Canada Protection Plan.
#1. ManuLife Health and Dental Insurance
Manulife has been in the business of offering health and dental insurance for over 135 years and gigantically has over $1.3 Million in Assets.
Manulife offers you 3 amazing Health and Dental Insurance options, and they are;
- Flexcare Health & Dental Insurance
- Health & Dental Guaranteed Issue Enhanced Insurance
- FollowMe Health & Dental Insurance
Guess what, each of these health and dental insurance plans has unique benefits and specialties. The aim of these options was for you to choose the one that best matters to you, and solves your needs most. Manulife also offers one of the best dental insurance plans for individuals in Ontario.
Flexcare is very flexible and affordable, you will get additional coverage if you are a Senior (65+), you will receive special rates for your family of 3 or more children, and you can take it along with you if you have a change of Job as well as other unique benefits.
Guaranteed Issue Enhanced uniquely provides coverage for your pre-existing conditions and offers medical travel coverage on emergencies, vision care, and other extended health benefits for you.
FollowMe specially offers you 15-30 days of medical travel coverage and also offers you special rates for you and your spouse, and even your family if you have up to 3 children.
From experience and reviews, they seem to be one of the best when it comes to offering quality health and dental insurance plans in Ontario. Do you know that aside from Health and dental insurance, Manulife also offers Disability Insurance and Critical illness insurance?
Location: Manulife is located at 200 Floor Street East, Toronto, Ontario, M4W 1E5. Use the button to learn more and get insured.
VISIT INSURER#2. Ontario Blue Cross
As part of the Brand, Ontario Blue Cross was formed after Blue Cross was founded in 1939 as well as other provinces in Canada.
One of the values to note about the Blue Cross is their passionate value of provincial health care, as they offer you life, travel, dental, vision, and other health insurance coverages.
Ontario Blue Cross offers you coverages and plans differently from other Blue Cross provinces. They offer you very quality, Flexible, and affordable health insurance coverage. Currently, they are one of the most affordable dental insurance in Ontario.
Their dental care will really help you cover the expenses of oral surgeries and other dental treatments that will not be covered in your OHIP plan.
Did you know that the Ontario Blue Cross plans have no Deductibles? They simply mean you can comfortably get their dental coverage even if you don’t have a group health insurance plan.
Also aside from dental health care, their Health Insurance plan also includes massage therapy, Virtual Health care, and more. They are also good providers of health and dental insurance in Ontario.
Location: 185 The West Mall. Suite 610 Etobicoke Ontario M9C 5P1
VISIT INSURER#3. Sun Life Financial
Sun Life is one of the private dental insurers in Ontario that is known for its enthusiastic interest in Healthy living and Financial freedom. They offer you quality health and dental insurance coverage. However, you have to note that you can’t get their dental coverage alone.
Sun Life offers you 3 Choice or options you can choose from including;
- Health and Dental Choice A
- Health Choice B
- Health Choice C
Our Subject is Health and dental, so let’s talk about the first one. Here, Sun Life covers your preventive dental care, supplemental health care, Vision coverage, and cool reimbursement packages including;
- 80% reimbursement up to $500 per year for Drugs
- 80% reimbursement up to $700 per year for Dental Coverage
- 80% reimbursement for supplemental health care
- 100% reimbursement for Vision Care and so on.
They do not offer you Emergency medical travel coverage. They majorly protect you and your family from core dental health Issues.
Location: One York Street in Toronto, Canada.
Feel free to use the button to know more about Sun Life Health and Dental Insurance as their site is designed and presented these plans in a very easy way.
VISIT INSURER#4. The Canada Life Assurance Company
Canada Life has been in operation since 1847 and was then represented in every province in Ontario by 1897. They pushed through for decades providing valuable insurance to people until 2020 when they amalgamated the:
- Great-West Life Assurance Company
- London Life Assurance Compan, and
- The Canada Life Assurance Company
They are offering you an amazing plan called they called the Freedom to Choose Health and Dental Insurance Plan. They designed this package to help you cover all the Dental health costs not covered by the Government, at a very affordable price that will suit you and your family.
Do you know that Over 20,000 Canadians including Ontarians have chosen the Freedom to Choose Health and Dental Insurance?
Simply because;
- You will be getting over $250,000 in prescription Drug Coverage
- You are never too old for your Coverage, as there is No termination age.
- You can apply in just a few minutes, as there are no medical exams needed.
- You will be able to make your claims online and get reimbursed quickly.
- You will be enjoying Bunde coverage with extras like Major Dental services as well as medical travel insurance, as well as many other benefits.
Location: Winnipeg, Manitoba
Click the button to learn more about them.
VISIT INSURER#5. SureHealth Insurance
SureHealth has been one of Canada’s major not-for-profit health and dental insurance specialists since 1950. They have over time maintained a great sense of customer service over the years.
They specialize in giving you access to great health and dental insurance care. They provide you with these health and dental plans through “Green Shield Canada”. Also, their policy states that you must be under 80 years of age including those that will be insured.
SureHeath offers you health and dental plans in Zone 2s, and they are;
- Zone 2 Primary
- Zone 2 Basic
- Zone 2 Fundamental
- Zone 2 Choice
- Zone 2 Premier, and
- Zone 2 Ultimate
SureHealth Health and Dental Insurance plans usually cover;
- Dental Care
- Vision Care
- Extended Health Care
- Travel
Use the button to learn more about SureHealth, compare their rates, and know the one that suits you best.
VISIT INSURER#6. CAA South Central Ontario
They have been in the business of offering quality insurance to Canadians for over 115 years. They partner with Manulife Insurance to offer you and your families the best health and dental insurance in Ontario, as they have done for the past 20 years.
Whether you are self-employed, between jobs, or even retired you can use CAA to supplement your Ontario Health Insurance Plan (OHIP) and save medical costs.
CAA basically offers you health and dental insurance options and they are;
-
Basic Health and Enhanced Dental Coverage:
Here CAA covers 80% of your basic dental services including examinations, extractions, fillings, x-rays, cleanings, and some other specialized services like root canals, all for up to $900 yearly. This plan also covers health services like Vision Care.
-
Enhanced Health and Dental Coverage:
This plan is usually for those looking for extra/added protection. Here, CAA offers you full coverage of reasonable and customary dispensing fees.
And just as we saw in the first plan, they offer 80% coverage for your basic dental services including examinations, extractions, fillings, x-rays, cleanings, and some other specialized services like root canals, all for up to $900 yearly. This plan also covers health services like Vision Care.
In case you love to go for a group health plan:
You can use the button below to learn more and Apply.
VISIT INSURER#7. The Canada Protection Plan
CPP is another great Health and dental insurance provider in Ontario. You can access many choices to cover your prescription drugs and quality dental care. They aim to provide you with quality plans that will cover you for the limitations you have with provincial health insurance.
Another benefit you will enjoy with CPP plans is that they don’t require a medical questionnaire or exams, as long as you apply within 60 days of the ending of your group insurance.
CPP basically offer you 3 plans, they are;
- Flexcare
- FollowMe
- Association Health and Dental Insurance
Use the button below to learn more and get one of the best health and dental insurance in Ontario.
VISIT INSURERFrequently Asked Questions
How do I choose the best health and dental insurance plan for my needs?
As we mentioned in this article, you should consider factors such as coverage options, exclusions, costs, and provider networks. I also noted that it is important that you understand your specific needs and choose a plan that offers the coverage options that are most important to you.
Are dental services covered under health insurance?
No! Dental services are generally not covered under normal health insurance, though many health insurance plans can offer you coverage for preventive dental care such as regular check-ups, cleanings, and fillings. Dental insurance is usually a separate type of insurance that provides coverage for more extensive dental issues such as orthodontic treatment, extractions, and restorative services.
How do I file a claim for my health and dental insurance?
First, You have to understand that the process for filing a claim for health and dental insurance can vary depending on the insurance provider, but it generally involves submitting your documentation such as receipts and bills for covered services. For some Insurers, You may be able to submit claims online or by mail. This is why we advise you to check with your insurance provider for specific instructions on how to file a claim.
What can I do if my health and dental insurance claim is denied?
If your health and dental insurance claim is denied, you should first review the denial notice to understand the reason for the denial. Sometimes the denial could have been an error, you can appeal the decision by contacting your insurance provider and providing additional information or documentation. But If you're still not satisfied with the outcome, you can contact the Financial Services Regulatory Authority of Ontario (FSRA) for further assistance.
What is the difference between public and private health insurance in Ontario?
Public health insurance, such as the OHIP (Ontario Health Insurance Plan), is provided by the government and covers a wide range of healthcare services such as doctor visits, hospital stays, and prescription drugs. Private health insurance, on the other hand, is purchased by individuals or provided by employers and offers more flexibility in terms of coverage options and providers.
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Conclusion
Don’t forget to prioritize your preventive care services, such as regular check-ups and screenings, to maximize your insurance benefits. Also, remember to stay informed about any changes to your plan and to find a provider network that works for you.
Always have it in mind that, a health and dental insurance plan is said to be the best if it meets your specific needs and suits your budget.
We hope you got value! Your comments are highly appreciated.
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