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What is covered, and by how much, differs between plans. Ask for the details in writing.
Coverage for medications, which differs a lot by province and plan.
Check-ups, fillings and, on some plans, major work, usually with annual limits.
Eye exams, glasses and contact lenses, usually with limits.
Physiotherapy, massage, chiropractic and similar care, with limits per visit and per year.
A private or semi-private room, which your provincial plan doesn't usually pay for.
Care outside your province or country, often a separate plan or an add-on.
Higher limits cost more.
A higher deductible lowers the premium but means you pay more upfront.
Paying a bigger share of each claim lowers the premium.
Basic dental costs less than plans that include major work.
You can leave out things you are unlikely to use.
These can affect the price and what is covered.
Ask for the licence number and check it with your provincial insurance regulator.
Ask for it in writing, and how that compares with other plans.
Especially for major dental work and pre-existing conditions.
For each type of care, in dollars.
The deductible and any co-insurance.
How past rises have gone, and how age affects the premium.
We'd rather connect you with the right provider once than flood your inbox with a dozen you'll never call back.
Waiting periods, exclusions and annual limits surprise people. You hear them before you pay.
Provincial plans differ in what they pay for. You hear where private coverage fills the gaps and where it doesn't.
You get the options explained. Whether to buy, and from whom, is always your decision.
No. Your provincial or territorial plan covers medically necessary doctor and hospital care. Extended health insurance is optional and helps with things your plan covers little or not at all, such as prescription drugs in some provinces, dental, vision, physiotherapy and travel emergencies.
Commonly prescription drugs, dental care, vision care, paramedical services such as physiotherapy, massage and chiropractic, and sometimes a private or semi-private hospital room. What's included, and the annual limits, differ a lot between plans.
Many employers offer group benefits, which are often cheaper than buying alone and usually cover your family. If you leave a job, ask about converting to an individual plan. Check what you have before you buy, so you don't pay twice for the same thing.
Provincial plans pay only part of the cost of care outside your province, and often very little outside Canada, so a trip can mean large bills without travel insurance. Check the limits, the exclusions, and any rules about pre-existing conditions and how recently they were stable.
The federal Canadian Dental Care Plan may help eligible people without private dental insurance, depending on income and age. Ask your insurance professional or check the government's website to see if you qualify before you buy dental coverage.
A waiting period is the time after you join before you can claim for some things, especially major dental work. Some plans limit or exclude conditions you already have. Ask about both, in writing, especially if you plan to use the coverage soon.
A deductible is what you pay first. Co-insurance is the share of each claim you pay, such as 20 per cent. The annual maximum is the most the plan pays in a year for a type of care. Ask about all three, in dollars.
Premiums are reviewed regularly, and often rise with age and claims across the plan. Ask how past increases have gone, and what you'd do if the price became too high.
Premiums for private health plans can count as eligible medical expenses for the medical expense tax credit, and some self-employed people can treat them differently. Rules depend on your situation, so check with an accountant or the Canada Revenue Agency.
Complain to the insurer first. If you're not happy with the answer, you can take it to the OmbudService for Life and Health Insurance, or in Quebec the Autorité des marchés financiers. These services are free to use.
Who the plan is for, their approximate ages, whether you have a current plan or group benefits, and your postal code. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It doesn't sell insurance or give medical or insurance advice. Any quote or advice comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
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Namoye is a free matching service. It is not an insurer, broker or adviser, and it doesn't give insurance or medical advice. Any quote or advice comes from the firm that contacts you. Your provincial or territorial health plan covers basic medical care. In an emergency call 911.
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