OHIP covers a lot, but not everything. Personal health and dental insurance plans help Ontario families with the everyday costs that add up — prescriptions, dental care, vision and more.
Health and dental insurance in Ontario without an employer plan
If you’re self-employed, between jobs, working contract or retiring early, you may have no group benefits at all. Leaving a group plan can also mean losing coverage you rely on.
We’ll help you compare personal health and dental plans and choose the level of coverage that makes sense for your family.
Is it right for you?
- You’re self-employed, a freelancer or a gig worker
- You’re retiring before 65 or leaving a job with benefits
- Your spouse’s plan doesn’t fully cover your family
- You’re new to the workforce or a student aging off a parent’s plan
- You want predictable costs for dental and drug expenses
What a plan can cover
Prescription drugs
Help with the cost of medications not covered by provincial programs, up to plan limits.
Dental & vision
Check-ups, cleanings, fillings and — on some plans — major dental work, plus eye exams, glasses and contacts.
Health practitioners & more
Physiotherapy, massage therapy, chiropractic and other paramedical services, plus hospital and travel options on many plans.
Good to know
- Some plans accept everyone with no medical questions; others offer richer coverage with a health questionnaire.
- If you’re leaving a group plan, there may be a short window to convert without medical questions — talk to us early.
- Plans have annual maximums and co-insurance; we’ll help you compare value, not just price.
- Coverage and eligibility are subject to the insurer’s terms and approval.
Let’s talk about your family’s plan
Book a no-obligation needs review. We’ll look at what you have, what you need, and the options that fit your budget — in plain language.