Individual health and dental insurance covers the everyday care your provincial plan doesn’t. Provincial plans pay for doctor visits and hospital stays. However, most adults pay out of pocket for prescription drugs, dental care, eye exams and glasses, and services like physiotherapy or massage therapy. These costs add up quickly, especially for families. To learn what public coverage includes, see the Government of Canada’s overview of Canada’s health care system.
Your age, your health, and any coverage you already have all affect which plan suits you. That’s why it helps to work with an experienced advisor. Nova Star Insurance Consultant Inc. offers a full range of affordable plans and works closely with individuals and families to find the right fit. You can also try our plan finder tool to see which options match your needs.
Ideally, your coverage should change as your life does. For this reason, we offer a range of plans we can tailor to your situation.
This is for people without health benefits through an employer in Ontario, Quebec, Nova Scotia, New Brunswick, and Alberta. For example, it suits self-employed people, early retirees, and anyone between jobs.
This adds to the coverage you already have. In other words, it helps fill gaps in a group plan, such as low dental limits.
When you leave a job or retire, your group benefits usually stop. Some plans let you switch to individual coverage without health questions if you apply within a set time. So, it’s worth acting quickly.
Prescription drugs, dental work, and vision care can cost a lot, and provincial plans don’t cover most of them for adults. An individual plan helps pay these bills. As a result, you can get the care you need without straining your budget.
Anyone without enough coverage should consider it, whatever their age or health. For instance, it suits you if you don’t have employer benefits or if your group plan has gaps.
Plans vary widely in what they cover, their limits, and whether they ask health questions. An advisor helps you compare them and choose coverage that suits your situation. Our experienced team can guide you through each option.
The right plan depends on your health, your budget, and any coverage you already have. First, we look at what you and your family actually use. Then, we compare plans so you get the right level of coverage at a fair price.
At Nova Star, you get attentive service and close attention to detail. Call or email us with any questions, and we’ll get back to you within one business day.
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