The gap most people don't see coming
Group benefits through an employer feel permanent, until they're not. The transition to self-employment, an early retirement, or a job change often leaves a window of weeks or months with no coverage. OHIP covers physician visits and hospital care, but not the everyday costs that add up fastest: eyeglasses, prescription drugs, physiotherapy, massage, or a dental crown. A personal health and dental plan covers what OHIP doesn't.
What's covered
Dental care
Preventive and basic services including cleanings, exams, fillings, and extractions, plus major restorative work like crowns and bridges, depending on your plan tier.
Vision care
Eye exams and a benefit toward prescription eyeglasses or contact lenses for each covered family member on a defined renewal cycle.
Prescription drugs
A formulary drug benefit that reimburses a percentage of eligible prescription costs, with annual or lifetime maximums that scale with your coverage level.
Paramedical services
Physiotherapy, chiropractic care, registered massage therapy, acupuncture, naturopathy, and other regulated health practitioners, up to per-visit and annual limits.
Health spending flexibility
Some plans include a health spending or wellness account that lets you direct dollars toward the services your family actually uses most.
Accidental dental & hospital cash
Emergency dental treatment resulting from an accidental blow, plus a daily hospital cash benefit if you are admitted as an in-patient.
Coverage details, limits, and waiting periods vary by insurer and plan tier. Jatinder will walk you through the options before you choose.
Who needs a personal health and dental plan
Self-employed individuals and sole proprietors who have no employer plan and pay out of pocket for every drug, dental, and vision expense.
Employees whose workplace group benefits are ending, whether from a job change, layoff, or the company switching providers.
Early retirees who are not yet eligible for senior provincial drug programs and whose former employer plan has lapsed.
Small business owners who want to offer employees a group-like benefits experience without the overhead of a traditional group plan.
Plans built around your situation
There's no single plan that fits everyone. Plans can be structured for an individual, a couple, or a family, and you choose the coverage level and deductible that fits your budget. Basic plans prioritize prescription drugs and preventive dental. Enhanced plans layer in vision, paramedical, and major dental. Jatinder will map out the cost-versus-coverage trade-offs so you can make an informed choice.
Service area
Jatinder Singh and his team serve individuals, families, and small businesses across Ontario and Alberta. Consultations can be arranged by phone, video, or in person at our Brampton office at 195 Queen St E, Brampton, ON L6W 2B3.