At Wealthfusion, we understand that your health is your most valuable asset. Whether you’re planning for routine care or preparing for unexpected medical expenses, health and dental insurance offers financial protection and peace of mind. With rising healthcare costs in Canada, having a comprehensive plan is not just an option, but a necessity. We’re here to help you secure the right coverage that ensures you and your family are well protected.
Why Health & Dental Insurance is Crucial
In Canada, basic health care services are covered by provincial plans, but many essential services are not. Expenses like dental care, vision care, prescription medications, and specialized treatments often come out-of-pocket, which can quickly become overwhelming. A comprehensive health and dental insurance plan fills these gaps, providing financial protection for:
- Dental services such as routine cleanings, check-ups, orthodontics, and major dental procedures
- Prescription drugs not covered by provincial health plans
- Vision care, including eye exams, glasses, and contact lenses
- Paramedical services like physiotherapy, massage therapy, chiropractic care, and more
- Emergency medical services including ambulance rides and hospital stays
Features of Wealthfusion’s Health & Dental Insurance
We take a tailored approach to insurance, ensuring your plan meets your specific needs. Here are the top features of our health and dental insurance offerings:
| Feature | Details |
|---|---|
| Comprehensive Coverage | Coverage for dental care, prescription drugs, vision care, and paramedical services including physiotherapy, chiropractic, and more. |
| Flexible Plans | Choose from a range of options that fit your lifestyle and budget—from basic coverage to premium all-inclusive plans. |
| No Deductibles | Many of our plans do not require deductibles, ensuring that you receive coverage from the first dollar spent on care. |
| Preventative Care Focus | Emphasis on preventative care, including routine dental cleanings, eye exams, and wellness check-ups to keep you and your family healthy. |
| Major Dental Services | Coverage extends to more complex dental procedures such as crowns, root canals, and orthodontics for you and your children. |
| Prescription Drug Coverage | Extensive drug plan options that cover many types of prescription medications not covered by provincial healthcare. |
| Vision Care | Covers the cost of routine eye exams, prescription glasses, and contact lenses, ensuring clear vision for you and your family. |
| Additional Paramedical Services | Support for holistic and alternative treatments such as massage therapy, acupuncture, and naturopathic services. |
| Family & Individual Plans | Whether you’re single, married, or have a family, we offer customizable options to suit all life stages. |
| Emergency Coverage | Includes ambulance services, emergency hospital stays, and life-saving surgeries, providing peace of mind in times of crisis. |
Eligibility for Health & Dental Insurance
Our health and dental insurance plans are designed to be accessible and inclusive. You are eligible for coverage if:
- Age: You are a Canadian resident, aged 18 or older. Some family plans can include children up to 25 years old, as long as they are full-time students.
- Residency: You must be a legal resident of Canada, and most provinces require that you have provincial healthcare (such as MSP in BC).
- Medical History: Pre-existing conditions may be covered after a waiting period depending on the insurance plan chosen. Some plans offer immediate coverage for new conditions.
Requirements for Enrollment
- Proof of Residency: Must provide documentation to show you are a legal resident in Canada.
- Provincial Healthcare Enrollment: You must be enrolled in your province’s basic healthcare program (e.g., BC MSP, OHIP in Ontario).
- Pre-existing Conditions: Full disclosure of any medical conditions is required at the time of application. Different plans have different waiting periods for covering pre-existing conditions.
Comparison Table of Health & Dental Insurance Plans
| Plan Type | Basic Plan | Enhanced Plan | Premium Plan |
|---|---|---|---|
| Annual Premium | $300 – $500 | $600 – $900 | $1,000+ |
| Prescription Drugs | Covers 50% of costs up to $1,000 annually | Covers 80% of costs up to $5,000 annually | Covers 100% with no annual cap |
| Dental Care | 50% coverage for basic procedures | 80% coverage for basic & major procedures | 100% coverage, including orthodontics |
| Vision Care | Not included | $150 per year for glasses/contacts | $300 per year for glasses/contacts |
| Paramedical Services | $250 per year for physiotherapy & chiropractic | $500 per year for physiotherapy & chiropractic | $1,000 per year for all paramedical services |
| Preventative Care | Covered for annual check-ups | Covered for annual check-ups & wellness | Full coverage for check-ups and specialist care |
| Emergency Coverage | No | Included up to $5,000 per event | Unlimited emergency care coverage |
Additional Features of Health & Dental Insurance
- Portable Coverage: Take your coverage with you across Canada. Whether you move provinces or travel within the country, your plan goes with you.
- Fast Claims Processing: Easy-to-use online portal for submitting claims, ensuring a fast and hassle-free experience.
- No Medical Exam Needed: For most of our health and dental insurance plans, you won’t need a medical exam to apply.
- Wellness Programs: Get access to fitness discounts, nutrition programs, and mental health resources through our wellness partners.
Invest in Your Health Today
Your health and that of your loved ones is too important to leave to chance. At Wealthfusion, we provide health and dental insurance plans designed to protect you from life’s unexpected costs, ensuring you live your best life—worry-free. Contact us today to learn more about our customizable insurance solutions and secure your future.
