Individuals & families

See Below For Health & Dental Insurance, Explained in Plain Language

Provincial health care covers the big things — but prescriptions, dental, vision and paramedical care come out of your pocket. Personal health plans fill that gap.

Safe Driver Health & Dental Group Coverage Health Spending Account

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What is health & dental insurance?

Who it's a fit for

Individual and family health & dental plans cover the everyday expenses provincial care doesn't: prescriptions, dental checkups and cleanings, vision, and paramedical services like massage, physiotherapy and chiropractic care.

Best suited for: The self-employed and contract workers with no workplace plan, early retirees, families between employer plans, and anyone paying meaningful out-of-pocket health costs today.

The three coverage tiers

Carrier plan names and limits vary — the right tier is confirmed together.

Essential

What it covers: Core protection — basic dental checkups, modest paramedical and vision amounts — at the most accessible premium level.

Best suited for: Individuals and families buying their own coverage who want reliable baseline protection at a manageable cost.

Enhanced

What it covers: Higher annual maximums, richer dental including major services, more paramedical coverage and larger vision allowances.

Best suited for: Households who use their plan regularly and want broad coverage without the top-tier premium.

Comprehensive

What it covers: The highest maximums: broad dental including major services (orthodontics on some plans), the strongest vision and paramedical limits.

Best suited for: Those who want their plan to handle most real-world health and dental bills, including larger family expenses.

What it can do for you

✓Predictable coverage for prescriptions, dental, vision and paramedical care
✓Plan levels you can match to how your family actually uses care
✓Some plans offer guaranteed-acceptance options with no medical questions (eligibility varies)
✓Paying full price out of pocket today? A plan often costs less than you'd expect

Good to know

• Your provincial plan remains primary — these plans supplement it
• Annual maximums, deductibles and waiting periods vary by plan level
• Pre-existing conditions can affect eligibility on some plans — we check before assuming

General information, not personal advice — details, eligibility and pricing depend on the insurer and the specific product, and are confirmed before anything is recommended.

Book a conversation

Let's talk about how you can protect and grow what YOU want.

We'll compare what you currently spend with what a plan would cost and cover — the numbers usually surprise people. No cost, no obligation.

✓ Your goals
✓ Protection, investments and your tax picture
✓ I will support you and provide you with honest advice at every stage of your journey
✓ If retirement planning is important to you, let's map out a plan

Lavern Rankin is a Senior Partner with Eau Claire Partners — a full-service financial advisory firm helping Canadians build, protect and transfer their wealth with confidence.

Learn more about Eau Claire Partners