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Individual/Family Health Plans

Many people are without an employer sponsored group health plan and are therefore vulnerable to health care costs not covered by their Provincial Health Insurance Plan. An Individual or Family Health Plan will cover many of these out-of-pocket expenses. Many incorporated, unincorporated and self-employed people can deduct their health insurance premiums from their annual income resulting in a tax savings and therefore reducing the cost of the plan.

In contrast to most group health plans, medical underwriting is required for many of the benefits. Therefore, coverage for some benefits may be restricted or, in certain cases, declined. The maximum reimbursement for some of the benefits also tends to be lower than a typical group plan. For example, the drug benefit is generally capped, the extended health care benefits often have a lifetime maximum, the travel coverage is for a shorter period, and the dental reimbursement is at a lower percentage and a reduced amount. Nevertheless, an Individual or Family Health Plan can be of significant benefit for many individuals, particularly for those without access to a group benefit plan.

An Individual or Family Health Plan can provide coverage in many areas including:

  • Life Insurance
  • Disability Insurance
  • Critical Illness Insurance
  • Accidental Death & Dismemberment
  • Prescription Drugs
  • Paramedical/Professional Services (e.g. chiropractor, physiotherapy, psychologist, podiatrist, etc.)
  • Private Duty Nursing
  • Semi-Private Hospital
  • Hospital Cash
  • Medical Supplies and Equipment (e.g. hospital beds, hearing aids, wheel chairs, canes, crutches, walkers and trusses)
  • Vision Care (e.g. eyeglasses and contact lenses)
  • Travel Insurance
  • Dental (periodontics, endodontics, major restorative, orthodontics)

We offer you several brands of health and dental insurance. These brands provide great diversity in coverage options. Each of the plans listed below can be applied for directly online using the links provided. If you prefer, you can contact us and we will mail you information on the plan and an application. Please explore the options listed below.


Select either drug or dental coverage or both. With a vast host of options and features, Flexcare is extremely customizable to meet your specific needs.

Conversion Plus

If you have recently lost your coverage, or will soon be leaving a group plan because of retirement or job loss, this is the perfect plan for you.

Association Health and Dental

With eight different plans, you can find a policy that meets your needs and budget.