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Self-Employed Health Insurance

Self-Employed Health Insurance

As an entrepreneur or self-employed person, you know it pays to control costs. These affordable health insurance plans will help pay for medical and dental costs not covered by your provincial government and provide protection against potentially costly unforeseen health care expenses.

Start with one of our pre-packaged plans or customize and build your own. All of our plans start with Extended Health Care (EHC), and allow you to add optional Drug and/or Dental coverage.

BASIC EXTENDED HEALTH CARE

Pays for medical costs not covered by your provincial government, including:

  • Up to $400/year per paramedical service, such as massage therapists, chiropractors etc.;
  • Up to $200 every 2 years for prescription glasses/contact lenses;
  • Up to $250,000 in lifetime benefits.
ENHANCED EXTENDED HEALTH CARE

Pays for medical costs not covered by your provincial government, including:

  • Up to $850 combined per year for paramedical services, such as massage therapists, chiropractors etc.;
  • Up to $400 every 2 years for prescription glasses/contact lenses;
  • Up to $350,000 in lifetime benefits.
Option 1 (EHC + Drug 1 + Dental 1)

An ideal plan for occasional prescriptions and dental visits.

DRUG 1

Covers the cost of prescription drugs, including:

  • Up to $400/year for generic prescription drugs;
  • $6.50/prescription for dispensing fees.
DENTAL 1

Covers your out-of-pocket dental costs, including:

  • Up to $700/anniversary year for basic services, such as examinations, cleanings, fillings, x-rays, select extractions.
Option 2 (ENHANCED EHC + Drug 3 + Dental 2)

Providing maximum drug coverage with enhanced EHC and Dental.

DRUG 3

Covers the cost of prescription drugs, including:

  • Up to $10,000/year for brand-name prescription drugs;
  • Full coverage of reasonable and customary dispensing fees.
DENTAL 2

Covers your out-of-pocket dental costs, including:

  • Up to $900/anniversary year for basic services, such as examinations, cleanings, fillings, x-rays and select extractions, and specialized procedures such as root canals.
Option 2 (ENHANCED EHC + Drug 3 + Dental 3)

Our maximum protection plan.

DRUG 3

Covers the cost of prescription drugs, including:

  • Up to $10,000/year for brand-name prescription drugs;
  • Full coverage of reasonable and customary dispensing fees.
DENTAL 3

Covers your out-of-pocket dental costs, including:

  • Up to $1,200/anniversary year for total dental services, such as examinations, cleanings, fillings, x-rays and select extractions, and specialized procedures such as root canals, anesthesia, and denture repair;
  • 60% of expenses for major restorative work including dentures and orthodontics, beginning in 3rd year with a maximum of $750 for every 3-year period; included in the total dental services anniversary year maximum above.