Dental, vision, prescription drugs, and paramedical coverage for Ontarians without employer benefits. Whether you're self-employed, a newcomer, or between jobs — we find a plan that fits your life and your budget.
Freelancers, contractors, and business owners who don't have access to group plan coverage.
Recent immigrants and PRs during the provincial health plan waiting period or without OHIP.
Families looking to supplement OHIP with dental, vision, and drug coverage for everyone.
Post-graduation when school coverage ends and before a new employer plan kicks in.
Maintaining coverage during career transitions or gaps between employment-based plans.
Retired before 65 without a retiree benefit plan, needing coverage until OAS/CPP kicks in.
Employers wanting to offer competitive group health benefits to attract and retain staff.
Those in the gig economy or working part-time without access to employer group plans.
Routine checkups, cleanings, fillings, extractions, and depending on the plan — crowns, bridges, and orthodontics.
Eye exams, prescription eyeglasses, contact lenses, and laser eye surgery on select plans.
Coverage for eligible prescription medications not covered by OHIP, with varying formularies and reimbursement levels.
Coverage for registered health professionals outside of physicians — including the services most commonly used by Ontarians.
Private or semi-private hospital room upgrades, ambulance services, and medical equipment not covered by OHIP.
Growing number of plans now include meaningful mental health support — a critical addition for modern health coverage.
Coverage varies by insurer and plan level. This is a general guide — we'll match you to the exact plan that fits your needs and budget.
| Coverage Area | Basic Plan~$80–120/mo | Enhanced Plan~$130–200/mo | Comprehensive~$200–350/mo |
|---|---|---|---|
| Prescription Drugs | ✓ 80% | ✓ 80–90% | ✓ 90–100% |
| Dental (Preventive) | ✓ | ✓ | ✓ |
| Dental (Basic Restorative) | — | ✓ | ✓ |
| Dental (Major) | — | ◐ Select | ✓ |
| Vision | ✓ $150 | ✓ $200–250 | ✓ $300+ |
| Physiotherapy | ✓ Limited | ✓ | ✓ |
| Massage Therapy | — | ✓ | ✓ |
| Mental Health / Psychology | — | ◐ Select | ✓ |
| Hospital (Semi-Private) | — | ✓ | ✓ |
| Out-of-Province Emergency | ✓ | ✓ | ✓ |
| Orthodontics | — | — | ✓ Select |
We're contracted with all of these carriers — giving you independent access to the widest range of health plans.
We'll compare plans from our full insurer panel and present you with clear options matched to your budget and health needs — no jargon, no pressure.
