Health and dental insurance helps cover everyday care costs that may not be fully covered by provincial health plans, workplace benefits, or government programs. This can include eligible prescription drugs, dental care, vision care, paramedical services, medical equipment, and other health related expenses.
Whether you are self employed, between jobs, retired, running a business, or looking to build a benefits plan for your team, ALIGNED can help you compare health and dental insurance plans that fit your needs and budget.
Health and dental insurance is coverage that helps pay for eligible health care and dental expenses that are not fully covered by government health plans. It may be purchased individually, added to a family plan, or included as part of an employee group benefits package.
For individuals and families, it can help reduce the cost of routine and unexpected care. For employers, health and dental insurance plans can help support employee wellness, improve retention, and make the total compensation package more competitive.
Coverage for eligible medical expenses not fully covered by your provincial plan.
Coverage that can help with preventive, basic, and major dental care, depending on the plan.
Health, dental, life, disability, and wellness benefits for businesses and teams.
A flexible benefits option that lets eligible expenses be reimbursed through a set spending account.
Income protection if a covered illness or injury prevents you from working.
A lump sum benefit if you are diagnosed with a covered serious illness and meet the policy terms.
Coverage Area | Examples of What May Be Covered |
Prescription drugs | Eligible medications, depending on the plan formulary and limits |
Dental care | Exams, cleanings, fillings, extractions, crowns, bridges, orthodontics, or other services depending on the plan |
Vision care | Eye exams, glasses, contact lenses, or vision related expenses |
Paramedical services | Physiotherapy, massage therapy, chiropractic care, mental health counselling, and similar services |
Medical equipment | Eligible devices, supplies, or equipment, subject to policy terms |
Family coverage | Coverage for a spouse, partner, or eligible dependants |
Coverage varies by insurer and plan. Some plans reimburse a percentage of the cost, some have annual maximums, and some services may need pre-approval or have waiting periods. Review your policy to understand claim percentages and annual maximums before buying additional health insurance
Health and dental insurance can be structured around different needs. For individuals and families, it can help if you do not have workplace coverage, are self-employed, recently changed jobs, retired, or want more predictable support for routine care costs.
For employers, group health and dental insurance can help employees access care without relying only on personal savings. Plans can be built around budget, team size, coverage levels, family eligibility, and whether the employer wants to include additional benefits like life insurance, disability insurance, wellness support, or a Health Care Spending Account. ALIGNED’s group plans can include extended health care, dental, vision, life insurance, disability, critical illness, wellness benefits, and Employee Assistance Programs.
Health insurance and dental insurance are often bundled together, but they are not always the same thing. Some health insurance plans include dental coverage, while others only cover medical expenses such as prescriptions, vision, or paramedical services.
Dental coverage also varies by plan. Preventive care like exams, cleanings, and X rays may be treated differently than major dental work like crowns, bridges, dentures, implants, or orthodontics. ALIGNED can help you review the coverage details before you choose a plan.
Dental implants may or may not be covered. Some plans exclude them, some treat them as major dental services, and some may cover part of the cost only if specific conditions are met.
Before assuming dental implants are covered, review the plan’s dental schedule, annual maximum, exclusions, waiting periods, preapproval rules, and reimbursement percentage. ALIGNED can help you compare options and understand whether a health and dental insurance plan fits your expected dental needs.
Health and dental insurance is not one size fits all. A self employed consultant, family, retiree, small business owner, and growing company may all need different plan structures.
ALIGNED can help compare individual and group health and dental insurance plans, review coverage levels, explain what is and is not covered, and coordinate related options such as disability insurance, critical illness insurance, life insurance, employee group benefits, and Health Care Spending Accounts.
1) What is health and dental insurance?
Health and dental insurance helps cover eligible medical and dental expenses that may not be fully covered by provincial health plans or workplace benefits. Coverage can vary by plan, insurer, and policy limits.
2) Who needs health and dental insurance?
It may be useful for individuals, families, self employed professionals, retirees, business owners, and employers building employee benefits plans. It is especially relevant if you do not have strong workplace coverage.
3) What do health and dental insurance plans cover?
Plans may cover prescription drugs, dental care, vision care, paramedical services, mental health support, medical equipment, and other eligible expenses. Exact coverage depends on the policy.
4) Does health insurance cover dental?
Sometimes. Some health insurance plans include dental coverage, while others do not. Dental may also be offered as a separate benefit or as part of a bundled health and dental plan.
5) What does dental insurance usually cover?
Dental insurance may help with preventive care like exams and cleanings, basic services like fillings, and major services like crowns, bridges, dentures, or orthodontics. Coverage levels and limits vary by plan.
6) Will health insurance cover dental implants?
Not always. Dental implants may be excluded, limited, or treated as major dental services. Always check the plan wording, annual maximums, exclusions, and preapproval requirements.
7) Can self employed people get health and dental insurance?
Yes. Self employed people can often purchase individual or family health and dental insurance if they do not have access to group benefits through an employer.
8) Can small businesses offer health and dental insurance?
Yes. Small businesses can offer group health and dental insurance as part of an employee benefits plan. ALIGNED can help compare plan options based on team size, budget, and coverage goals.
9) Is a Health Care Spending Account the same as health and dental insurance?
No. A Health Care Spending Account is a flexible account that reimburses eligible health expenses up to a set amount. Health and dental insurance is a policy with defined coverage, limits, and reimbursement rules.
10) How much does health and dental insurance cost?
Cost depends on the type of plan, number of people covered, age, coverage levels, dental benefits, prescription coverage, plan maximums, and whether the plan is individual, family, or group based.
The right plan can help protect your budget, support your family, and make it easier to access care when you need it. ALIGNED can help you compare health and dental insurance options for individuals, families, and businesses.
