Health & Dental Insurance
Fill the gaps in your provincial coverage. Whether you are self-employed, retiring, or new to Canada, we have a plan to protect your health and wallet.
CoverMe® Plans
Flexible options ideal for families, freelancers, and small business owners.
- Guaranteed Issue: No medical questions if applying within 90 days of losing benefits.
- Registered Specialists: Coverage for Massage, Chiro, Physio, and Psychologist.
- Vision Care: Options available for glasses, contacts, and eye exams.
- Bonus: Earn AIR MILES® reward miles on premiums.
GMS Insurance
Excellent value for recent immigrants and those with high prescription needs.
- High Drug Limits: Comprehensive coverage for prescription medications.
- 24/7 Virtual Health: Free online access to doctors included with all plans.
- Retirees: “Replacement Coverage” packages specifically for seniors.
- Travel Bundle: Easily add travel emergency medical to your plan.
Common Questions
🏥 Health & Drugs
Does my provincial plan cover everything?
No. Provincial plans (like OHIP, MSP, AHCIP) generally do not cover prescription drugs, ambulance services, dental work, or vision care for adults between 25 and 64. These costs must be paid out-of-pocket unless you have private insurance.
Are these premiums tax deductible?
Yes! If you are self-employed or an unincorporated business owner, private health insurance premiums are often 100% tax-deductible as a business expense. For employees, they can count towards the Medical Expense Tax Credit.
What is “Guaranteed Issue”?
This means the insurance company cannot deny you coverage due to your medical history. This is typically available (e.g., Manulife FollowMe™) if you apply within 60-90 days of losing your previous employer’s group benefits.
Does it cover Massage & Chiropractor?
Yes. Most “Extended Health” plans include a combined annual maximum (e.g., $500 per year) for registered paramedical practitioners, including Massage Therapists (RMT), Chiropractors, Physiotherapists, and Podiatrists.
What if I am a new immigrant?
If you are waiting for your provincial health card (the 3-month waiting period), you should purchase Visitors to Canada insurance first. Once you have your provincial card, you can switch to these Extended Health & Dental plans.
🦷 Dental Coverage
Is there a waiting period for dental?
Yes. Most insurers enforce a waiting period (usually 3 months) before you can claim reimbursement for routine dental work. For major restorative work, the wait can be 1 year. We recommend applying before you have a dental emergency.
How much coverage do I get?
Plans usually start with a “Year 1” maximum (e.g., $500 to $750). If you keep the plan, this limit increases in Year 2 and Year 3 (often up to $1,000+), rewarding you for loyalty.
What is the difference between Basic vs. Major?
Basic Services include cleaning (scaling), polishing, exams, x-rays, and simple fillings. Major Services include crowns, bridges, dentures, and complex oral surgery. Basic is covered by most plans; Major requires a comprehensive plan.
Does it cover Orthodontics (Braces)?
Generally, no. Individual health plans rarely cover braces for adults. Some premium plans may offer coverage for children, but usually only after a 2-3 year waiting period.
Can I keep my plan if I change jobs?
Yes. Unlike a work benefit plan which you lose when you quit, these are personal plans. You own the policy, meaning your coverage stays with you regardless of your employment status.
Ethgrity serves as a marketing and referral partner connecting you to licensed insurance solutions. The insurance agents affiliated with the Ethgrity team hold independent licenses to sell these products in their respective provinces. “Ethgrity” itself does not hold the brokerage license; all regulated activities (advising, selling) are conducted by the individually licensed agents. The quotes and benefits shown above are estimates and summaries; please refer to the specific policy wording from Manulife or GMS for full details on exclusions, limitations, and terms.