Senior Health Insurance

Being a senior citizen in Canada has its advantages and disadvantages. Yes, you receive senior discounts on many services and there are many provided in Canada through the government’s federal and provincial programs but, unfortunately, the plans don’t provide coverage for every health condition or situation.

Seniors need to be proactive in their health care. They need to be well-informed on what the government health plan covers and does not cover.  They also need to know that they can invest in a supplemental health insurance plan that is designed specifically with seniors in mind.

When mulling over the possibility of having to spend time in a hospital, ask yourself whether it would be important for you to have a private room, or for you to get private nursing care at a certain point in time.

Senior residents of Ontario:

Seniors have access to the Ontario Drug Benefit Program (ODB), which grants benefits to those eligible for assistance with the cost of prescription drugs.

Community Care Access Centres  assist seniors, as well as those with disabilities, to live an independent life in the comfort of their own home for as long as they are able to do so.

These are just a few examples of the types of services available to seniors in Ontario.
It is a good idea to have supplemental health insurance to fill in the gaps where the government health system falls short. Go to CAA Health & Dental and go over the various senior plans; you’ll be in a better position to decide if one is a good fit for you.

Existing Health Conditions and Health Insurance

A frequently asked question when seeking health insurance is: If I have an existing health condition, can I still get health and dental insurance?

The answer is: Yes, you can! An existing health condition doesn't exclude you from obtaining a health insurance plan.

With CAA Health and Dental Insurance, prescription drug and dental plans can be added onto a basic extended health insurance plan without medical underwriting.

Basic Health and dental insurance coverage also includes ambulance services up to $4000 in your first year and extends to $5000 by your fourth year of coverage.  Besides routine dental services, there is an accidental coverage that starts at $2000 in your first year of coverage and goes up to $3500 in your fifth year of coverage.

Registered specialists and therapists, as well as home care and nursing, prosthetic appliances, durable medical equipment and many other benefits, are part of the coverage offered by a basic extended health care plan.

Get a quote today! 

Insurance Coverage Extra's

Did you know that many supplemental health insurance plans offer more than coverage for health care, prescription drugs and dental services? Many core plans include coverage for vision care, emergency travel, and other extended benefits such as hearing aids, registered specialists and therapists, as well as homecare and nursing.

Claims can usually be settled by simply using your benefits card, which is issued once your application has been approved.

Request a free brochure.

Special Insurance Rates For Families?

If you're looking into getting insurance coverage for your family, you should be excited to know that CAA Health & Dental Insurance offers special rates to families with three children or more. Couples without children are eligible to receive reduced rates on customized health and dental insurance plans.

On the CAA Health & Dental Insurance website, it states that with the Extended Health Care plan "you don't have to pay extra for benefits like vision care, registered specialists and therapists, ambulance services and more."

Make Your Health Insurance a Tax Deductible Expense

Your health and dental premiums may be a non-taxable benefit besides a deductible expense. Deducting the premiums from your business income can help to pay for your health insurance.

Check with Canada Revenue Agency for more information about making your health and dental insurance a deductible expense.

More information about Small Business Health Insurance.