Three Ways Health Insurance Can Improve Your Overall Health

Three Ways Canada Health Insurance Can Improve Your Overall Health
All Canadian residents receive health insurance under provincial plans that provide coverage for a handful of services. However, there are many products and services that are not covered by these plans, leaving many individuals without adequate coverage for routine and emergency medical expenses. As a result, Canadian residents frequently turn to individual health insurance plans to supplement their provincial coverage and protect themselves from out-of-pocket medical expenses.

Individual plans can do more than protect your bottom line. Here are three ways a Canada health insurance plan can improve your overall your health.

Access to Care

Individual health insurance gives you access to products and services not covered by your provincial plan, such as prescription drugs, dental care, and treatment by specialists, including psychologists, massage therapy, chiropractors, acupuncturists, physiotherapists, and more. If you only have health insurance coverage through your provincial plan, you may not be able to afford these additional treatments when you need them.

As a result, you may have to make a difficult choice between skipping a beneficial treatment option or going into debt to get the treatment that could resolve your health problems. If those treatments include something like prescription drug therapy, this choice could have serious long-term implications for your health. Even if you have no need for these additional services now, you never know what might happen a few months or years from now. An individual health insurance policy can help protect you today and in the future.


The preventive treatment that is covered under a supplemental insurance plan can help you stop problems before they occur. Properly treating an injury with physiotherapy, for example, can prevent the long-term implications of chronic pain as you age. Even serious conditions that we don’t necessarily associate with our overall health can be better managed through preventive care.

For example, many individual health insurance plans offer coverage for dental care, while most provincial programs don’t. However, regular trips to the dentist are critical for maintaining good oral health. With routine dental care, you can protect your smile and prevent more serious problems like cavities, tooth decay and gum disease from occurring.

It’s not just the well-being of your teeth at stake when you don’t keep up with regular trips to the dentist. Poor oral health has been linked to a host of health conditions, including cardiovascular disease, dementia, respiratory infections, and diabetic complications.

When it comes to taking a holistic approach to managing your health, it’s important to consider all the members of your healthcare team, including your dentist. The decision to purchase an individual health and dental insurance policy can have far-reaching consequences for your well-being.

Three Ways Canada Health Insurance Can Improve Your Overall Health

Options for Managing Your Health

With individual health insurance, you have more options for managing your health than you do with provincial insurance alone. Because supplemental health insurance covers additional treatment options not covered by provincial plans, you have greater freedom to choose the treatment that is best for you. Managing health problems like chronic pain and mental health issues with supplemental treatments can improve your quality of life.

Whether that is through the use of prescription medication or by working with a registered psychologist or social worker on an ongoing basis, you will be better able to manage your ongoing healthcare needs when you don’t have the added challenge of figuring out how to pay for that care. Without additional coverage through an individual insurance plan, you may not have access to the treatment you need.

Choose the Plan That’s Best for You

While individual health insurance offers many benefits, with so many choices available, it can be difficult to find a plan that’s right for you and your family. When evaluating various insurance policies, it can be difficult to compare plans to determine the best value. That is why it’s so important to work with an insurance broker to help you better understand the nuances of each policy option.

Brokers are insurance professionals who work on your side to ensure that the coverage you choose best suits your needs and your budget. If you run into difficulties settling a claim, your broker can serve as your advocate when negotiating with the insurer. Keep in mind that insurance brokers are bound by the rules of their licencing bodies to work in your best interest, not in those of an insurance company.

Our knowledgeable customer service representatives can help you choose the insurance plan that meets your needs, fits your budget and protects you and your family from out-of-pocket medical expenses. Contact us today to get started.


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