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.
Yes, for many people. OHIP covers basic medical services but does not cover prescription drugs, dental care, vision care, physiotherapy, massage therapy, mental health counselling, or private hospital rooms. Individual health insurance covers these gaps, which is especially important for self-employed Ontarians, newcomers, or those without employer benefits.
Basic health plans in Ontario start around $80-120 per month for a single adult. Enhanced plans with dental, drugs, and paramedical coverage range from $130-200 per month. Comprehensive family plans can range from $300-500+ per month. The exact cost depends on age, coverage level, and insurer.
Yes. Most individual health insurance plans in Ontario do not require a medical exam. You answer a health questionnaire, and coverage typically begins within 30 days of approval. Some pre-existing conditions may be excluded or have waiting periods.
For self-employed Ontarians, we typically recommend Manulife Flexcare or Canada Life personal health plans, which offer flexible coverage options. A Health Spending Account (HSA) is also a tax-efficient option for incorporated business owners, allowing you to deduct health expenses as a business expense.
