Protect Your Health and Smile
Why Choose Health & Dental Insurance?
- Financial Protection:
Covers significant medical, dental, and prescription expenses, keeping out-of-pocket costs manageable. - Preventative Care:
Encourages regular health check-ups and dental cleanings to catch potential issues early and reduce long-term costs. - Comprehensive Coverage Options:
Choose from a variety of plans that cater to different needs and budgets, ensuring everyone has access to essential care. - Access to Quality Healthcare:
Enables timely access to a network of qualified healthcare providers, including specialists and dental professionals. - Peace of Mind:
With health and dental coverage, you can focus on enjoying life, knowing you’re protected against unexpected medical and dental expenses.
Types of Health & Dental Insurance Coverage
- Basic Health Insurance:
- Covers primary medical services, including doctor visits and emergency care.
- Prescription drug coverage for common medications.
- Access to mental health support and counseling.
- Option to add vision care for glasses, contacts, and eye exams.
- Affordable plan structure for essential health needs.
- Extended Health Coverage:
- Coverage for specialized healthcare services, like physiotherapy and chiropractic care.
- Enhanced prescription drug coverage, including name-brand medications.
- Paramedical coverage for mental health, acupuncture, and naturopathy.
- Access to semi-private hospital rooms and home care services.
- Ideal for individuals with active lifestyles or chronic conditions.
- Dental Insurance:
- Basic coverage includes routine exams, cleanings, and x-rays.
- Coverage for restorative procedures, like fillings and extractions.
- Major dental options for orthodontics, implants, and root canals.
- Annual maximums and co-pays vary based on plan selection.
- Preventative care benefits to maintain oral health.
- Combined Health & Dental Plans:
- Bundled health and dental plans for convenient all-in-one coverage.
- Comprehensive protection for health, dental, and prescription needs.
- Simplifies coverage management with one premium and policy.
- Discounts for combined plans, reducing overall costs.
- Flexible options tailored to individual, family, and group needs.
- Critical Illness & Accident Insurance Add-Ons:
- Coverage for severe illnesses, such as cancer, stroke, or heart disease.
- Financial protection for unexpected accidents and injuries.
- Lump-sum payout for treatment, travel, and family support.
- Complements basic health plans, filling in financial gaps.
- Ideal for those wanting extra financial security for worst-case scenarios.
Benefits of Health & Dental Insurance
- Cost Savings on Healthcare:
Regular check-ups and preventive services reduce the need for costly procedures in the future. - Access to Preventative Care:
Covers essential services like dental cleanings, vision exams, and physical therapy to keep you healthy. - Coverage for Specialists:
Supports visits to specialists, from cardiologists to dermatologists, when needed. - Emergency and Hospitalization Coverage:
Financial support for hospital stays, surgeries, and emergency care. - Prescription and Drug Benefits:
Reduces the financial burden of medications, from everyday prescriptions to life-saving drugs.
Who Needs Health & Dental Insurance?
- Young Adults and Families:
Essential for families who want regular care for themselves and their children, from routine check-ups to major dental work. - Seniors and Retirees:
Many retirees need additional coverage to supplement limited benefits provided by government programs. - Freelancers and Entrepreneurs:
Independent professionals benefit from private insurance for regular and emergency health needs. - Employees Without Benefits:
Individuals working part-time or contract roles who do not receive employer-sponsored health plans.
High-Risk Individuals:
Those with pre-existing conditions or active lifestyles can gain peace of mind knowing they’re covered for health-related needs.
Frequently Asked Questions
What does a health & dental insurance plan cover?
Coverage varies but generally includes doctor visits, dental cleanings, vision care, prescription drugs, and sometimes, mental health services.
Are pre-existing conditions covered?
Some plans cover pre-existing conditions after a waiting period; our advisors can clarify details for specific plans.
Can I switch plans if my health needs change?
Yes, you can often upgrade or adjust your plan during renewal periods or due to qualifying life events.
How do I file a claim?
Filing claims is easy through our online portal or app, with support from our customer service team.
Is there a waiting period for certain services?
Some services, like major dental procedures or surgeries, may have a waiting period; we’ll walk you through the specifics of your plan.