Health & Dental Insurance: What OHIP Doesn't Cover (and What Will)

What it typically covers

A good supplemental plan reimburses a percentage of the routine health costs your provincial plan excludes. The coverage that matters most depends on your stage of life.

• Dental: cleanings, fillings, and major restorative work.
• Vision: eye exams, glasses, and contact lenses.
• Prescription drugs: often the largest gap for many families.
• Allied health: physio, massage, chiropractic, and mental health practitioners.

Who needs it most

If you're self-employed, retired, or between jobs, you've lost the group health coverage that employees take for granted — and the gaps become your out-of-pocket costs. Families with children in braces, adults managing a chronic condition, or anyone with regular prescription needs often find that a personal plan pays for itself within the year.

Matching coverage to your real spending

The right plan isn't the one with the most benefits — it's the one that reimburses the costs you actually incur. There's no value in paying for orthodontics coverage you'll never use, and no sense in under-insuring the dental work you have scheduled. We look at your real health spending and match a plan to it, so the premium earns its keep.

Fill the gap affordably

Health and dental insurance isn't about catastrophes — those are covered. It's about the routine costs that quietly strain a household budget year after year. We compare plans across Canada's leading providers, explain the percentages and caps in plain language, and find coverage that fits both your needs and your premium budget. The right plan makes the routine affordable.