This page includes some helpful information about all provinces’ health card.
Table of Contents:
- About This Insurance
- Simple Assessment Form
- Benefits
- Coverage
- Canada Dental Care Plan (CDCP)
- Real-Case Examples
- FAQ
About This Insurance
As you know, there are some gaps in your provincial health insurance coverage, so that it doesn’t fully cover many every day medical expenses like dental services, prescription drugs, prescription eye wear and more.
Since these out-of-pocket expenses tend to add up quickly, it is strongly recommended that residents covered by GHIP obtain complementary insurance designed specifically for them. Without it, one serious illness or accident could wipe you out financially.
The amount of coverage provided by complementary plans varies based on the insurance companies. For example, some plans may cover up to $175 per night for a private hospital room, for up to one year.
By having complementary coverage, you not only gain access to private hospital amenities, but if you are a business owner, you may also be able to deduct these insurance costs from your taxes.
To be eligible for complementary insurance, you must hold a valid Canadian government health card (GHIP), which is specific to your province of residence, including:
- Ontario Health Card (OHIP)
- British Columbia Health Card (MSP)
- Saskatchewan Health Card (SHC)
- Alberta Health Card (AHCIP)
- Nova Scotia Health Card (MSI)
Other types of complementary insurance include:
- Medical Complementary Insurance : Business owners
- Medical Complementary Insurance : Group
- Medical Complementary Insurance : Ex-employees
Complementary health insurance includes a variety of plans for individuals, single parents, couples, and families.
Simple Assessment Form
To choose the best and most suitable insurance and to receive an accurate quote, please complete the form below.
***Why is it important to provide accurate personal information in the insurance form? ***
Benefits
- Covers What GHIP Doesn’t
- Reduces Out-of-Pocket Costs
- Access to a Broader Range of Care
- Custom Plans for Different Needs
- Financial Protection
- Convenience & Peace of Mind
Coverage
- Prescription drugs
- Fertility and contraceptive medications
- Glasses, contact lenses, and frames
- Optometrist services
- Dental care with various coverage options
- Physiotherapy
- Massage therapy
- Chiropractor
- Orthopedic shoes and custom orthotics
- Social worker, psychologist, counselor, and naturopath
- Ground and air ambulance services
- Private nursing care
- Medical equipment
- Dental accidents
- Hearing aids, diet therapy, naturopathy, acupuncture
- 24/7 online health services
If you are self-employed or a contract-worker, you may be able to deduct your premiums from your annual income to REDUCE TAXES! For those who are not self – employed, don’t forget, you may be eligible for a tax credit.
Canada Dental Care Plan (CDCP)
The Canada Dental Care Plan (CDCP) was launched by the federal government in 2023 and is being implemented gradually. This plan is designed for individuals living in Canada who do not have dental insurance and have a household income of less than $90,000 per year.
Real-Case Examples
FAQ
What additional services does complementary health insurance offer compared to provincial health insurance?
In Canada, complementary health insurance provides additional coverage beyond what is offered by the government health insurance plan (GHIP). These services may vary depending on the specific plan, but generally include the following:
- Dental Care: Complementary health insurance typically covers dental services such as check-ups, fillings, restorations, and oral surgery.
- Vision Care: Some complementary plans include coverage for eye exams, prescription glasses, or contact lenses.
- Prescription Drugs: Certain complementary insurance plans cover prescribed medications, helping to reduce out-of-pocket drug expenses.
- Medical Equipment and Devices: Some plans may cover medical aids such as electric scooters or other assistive equipment.
- Specialist and Physician Services: Complementary insurance may allow access to a wider range of healthcare professionals, including psychologists, and may cover necessary screenings such as prostate exams for men.
- Additional Hospital Services: Some plans offer access to private hospital rooms or additional in-hospital services not covered by provincial insurance.
