Health and Dental Insurance Plans in Ontario | Affordable Coverage for You & Your Family
Although the government provides all its citizens with health insurance in Canada through their province or territory of residence, there are still gaps that can leave you with costly medical bills. At the end of the day, having a comprehensive Health Insurance plan can give you peace of mind and financial security in the face of unexpected medical expenses. Personal Health Insurance can help fill in those gaps and provide reimbursement for eligible health expenses, including medical, dental, vision, and other health-care services that aren’t fully covered by your provincial or territorial healthcare plan.
Health Insurance in Canada
There is main two type of health insurance.
Public Health Insurance in Canada (Provincial/Territorial Plans)
- Eligibility for All: Canadian citizens and permanent residents qualify for government-funded health care.
- What’s Covered: Public plans usually pay for essential medical services like doctor appointments, hospital care, and certain surgeries.
- Tax-Funded: The system is paid for through provincial and federal taxes.
- Managed by Province: Each province and territory runs its own health care program with different rules and benefits like - OHIP in Ontario, RAMQ in Quebec and the Medical Services Plan in British Columbia.
Private Health Insurance in Canada
- Employer-Sponsored / Workplace Plans
- Many companies offer group health insurance as part of employee benefits.
- providing extended coverage for workers and their families.
- Individual Health and Dental Insurance
- Designed for individuals or families without workplace benefits.
- Ideal for self-employed, part-time workers, retirees, or newcomers to Canada.
- Covers medical, dental, vision, prescription drugs, and paramedical services.
- Supplementary (Follow me/Replacement) Health Insurance
- transitioning out of a group health insurance plan.
- typically, through retirement or leaving a job.
- Replacement health benefit plans can be applied for within 60 days of your group insurance expiring.
- coverage is guaranteed with no medical questions asked at the time of application.
Who Should Get a Private Health and Dental Plan & why?
- Self-employed or freelance workers -If you’re your own boss, you don’t get group benefits. A private health and dental insurance plan protect you from out-of-pocket medical costs like prescriptions, dental visits, and vision care.
- Contract or gig workers without benefits.
- Retirees and early retirees - Once you retire, your employer benefits usually end. Health insurance for retirees helps cover essential services not included under OHIP — especially dental, prescriptions, and mobility aids.
- New immigrants to Canada - While OHIP covers basic health care, it doesn’t cover dental, drugs, or vision. A private plan ensures your family is protected during the waiting period and beyond.
- Families without workplace coverage - Protect your entire household with one plan. Private family health insurance offers peace of mind, ensuring children and spouses have access to necessary care.
- Students and part-time workers - Many students and part-time employees don’t qualify for full employee benefits. Private plans fill the gap, covering routine dental and health expenses affordably.
- Employee with group plan - The current primary medical insurance might not be enough.
How to Save Money on Health Insurance in Ontario
At Dave Financial Service Inc., our mission is to help you get the best health insurance coverage at the most affordable price. Here’s how you can save:
Compare Multiple Insurance Providers
We compare quotes from Canada’s top health and dental insurance companies on your behalf — saving you time and effort while finding you the lowest possible rate.
Buy Before Your Next Birthday
Age matters — premiums increase as you get older. Lock in lower rates by purchasing health insurance while you’re younger.
Check for Tax Deductions
You may be able to claim your premiums under the Medical Expense Tax Credit. Speak with a tax expert to see if you're eligible and reduce your taxable income.
Quit Smoking
Smokers often pay double the premiums of non-smokers. By quitting, you not only improve your health but also significantly lower your insurance costs.
Get a Free, No-Obligation Quote
Use our simple online form or contact us directly — we’ll help you compare and choose the best health insurance plan for your needs and budget.