HEALTH AND DENTAL
Health and dental coverage
Personal coverage for what a provincial plan does not pay: prescriptions outside the public formulary, dental care, vision, paramedical services and travel.
What a provincial plan leaves you
- Hospital and physician care is covered everywhereThat is the common floor across Canada. The gaps are what sits outside it.
- Dental is outside the public plan almost everywhereSome provinces cover children or specific surgical procedures. Routine adult dental care is generally not covered.
- Prescriptions depend on where you liveQuebec requires everyone to be covered by a drug plan, public or private. Most other provinces cover drugs only for certain ages, incomes or conditions.
- Travel outside your province is the largest gapA provincial plan pays a fraction of what care costs elsewhere, and often nothing at all outside Canada.
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The cornerstone guide
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What it is, how it works in Canada, what it costs, what it risks, how long it takes and who it does not suit.
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About the author
Jose Salloum is a Financial Security Advisor (Conseiller en sécurité financière) licensed by the Autorité des marchés financiers in Quebec, by the Financial Services Regulatory Authority of Ontario, and by the Insurance Council of British Columbia. Licensed since 2001, he works with Canadian families, business owners and incorporated professionals.
He is the founder of Canadian Wealth Creation Centre Inc. (CWCC), registered with the AMF, and of its educational branch IBCFinancial.com. He holds the Infinite Banking Concepts® Authorized Practitioner certification from the Nelson Nash Institute, a private certification rather than a regulatory licence.
CWCC is not registered with CIRO and does not provide securities advice. This page is general education and not advice on any individual file.
Important disclosures
This page is education, not advice. The content is general information prepared by Canadian Wealth Creation Centre Inc. It does not take your circumstances into account and is not a recommendation to buy, hold or cancel any contract. CWCC is not registered with CIRO and does not provide securities advice. The firm places insurance in Quebec, Ontario, Alberta, British Columbia, Manitoba and New Brunswick; clients elsewhere are served by advisors licensed in their province.
Nothing here was written with your file in front of us. Read it to understand the subject, then judge it against your own situation, ideally with someone who is licensed where you live and who has seen your numbers.