Personal health and dental benefit products help lower your risk of being burdened by expenses for preventive care or medical bills as a result of an illness or accident. While provincial health plans provide coverage for many health expenses, there are gaps that can have a significant impact on your finances.  For example, depending on the province or territory where you live, you may have to pay for:

• Prescription drugs to treat a chronic or serious health condition

• Emergency medical services provided in another country or even in Canada

• Practitioners like physiotherapists to promote wellness or help with injury recovery

• Medical equipment to assist with your mobility

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There are many personal health insurance packages available: Contact me to see what fits your family.

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You should consider personal health insurance if:

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• You don’t have health benefits through your employer

• You’re losing your group coverage

• You’d like additional benefits not offered by your employer’s plan or your province's health coverage. You must have provincial health coverage to apply for personal health insurance.