Loading...
Drug and dental

What is Personal Drug & Dental Insurance?

Drug Coverage helps pay for prescription medications, reducing the cost burden and ensuring access to necessary drugs. Dental Coverage includes routine dental care, fillings, cleanings, and more. Extended Health Benefits may cover vision care, physiotherapy, chiropractic care, and other services, while some plans include hospitalization and travel insurance.

Who Needs This Insurance & Why?

  • Self-Employed Individuals: Manage healthcare costs without employer-sponsored plans.
  • Retirees: Maintain benefits after leaving employment.
  • Individuals Without Employer Benefits: Coverage for part-time or gig workers.
  • Growing Families: Regular care for children’s healthcare needs.
  • People with Chronic Conditions: Ongoing treatments and specialist care support.

Why is this Insurance Necessary?

It fills gaps left by provincial health plans, offering financial protection and access to healthcare services. It helps avoid delays in care and reduce unexpected expenses.

Benefits of Personal Drug & Dental Insurance

  • Substantial Cost Savings: Reduce out-of-pocket expenses significantly.
  • Immediate Access to Care: Afford treatments without financial stress.
  • Complete Peace of Mind: Comprehensive coverage for unexpected medical needs.
  • Comprehensive Coverage: Includes dental, drug, and paramedical services.
  • Flexible Payment Options: Plans that fit your budget.

Why Choose Us?

We offer personalized planning, investment expertise, and ongoing support to ensure you get the most from your drug and dental insurance coverage. Our goal is to provide financial protection and peace of mind.

Choosing the Right Plan with Harpreet Rana Insurance Inc.

  • Comprehensive Needs Assessment: Evaluating healthcare requirements.
  • Detailed Plan Comparison: Comparing providers and explaining benefits.
  • Provider Network Verification: Ensuring access to preferred providers.
  • Policy Review and Education: Understanding exclusions, waiting periods, and claims.
  • Ongoing Support: Assistance throughout coverage.

FAQs

Common Questions Answered

Covers prescription medications, routine dental care, vision care, and paramedical services like physiotherapy and mental health support.

Costs vary depending on age, health, coverage level, and provider. Monthly premiums range from $75 to several hundred dollars.

Some plans may limit coverage or impose waiting periods for pre-existing conditions. We help find the best options for you.

Most plans use a network of preferred providers. Out-of-network providers may result in higher costs.

Claims can be submitted online, by mail, through apps, or at the point of service. We guide you through each method.

Some plans include waiting periods for major dental work or pre-existing conditions. We'll explain them before enrollment.

Yes, changes are allowed at renewal periods or open enrollment. We help you assess and implement plan adjustments.

Missing a payment may lead to cancellation, but insurers offer grace periods. We can assist you in resolving payment issues.