Health Insurance in Ontario, Canada

Coverage Beyond OHIP

While Ontario’s OHIP (Ontario Health Insurance Plan) covers many basic medical services, it doesn’t cover everything. Prescription drugs, dental care, vision care, and other health services can leave families with high out-of-pocket expenses. At Solutions Insurance Group, we provide tailored health insurance solutions to give you and your family peace of mind.

🔎 What Is Health Insurance?

Health insurance helps cover the medical expenses not included in OHIP. By paying a monthly premium, you gain access to benefits that reduce or eliminate out-of-pocket costs for essential health services.

Coverage may include:

• 💊 Prescription medications
• 🦷 Dental care (cleanings, fillings, orthodontics)
• 👓 Vision care (eye exams, glasses, contact lenses)
• 🏥 Paramedical services (chiropractor, physiotherapist, massage therapy)
• 🚑 Emergency medical travel coverage outside Ontario/Canada
• 💼 Health & wellness programs

📝 Is Health Insurance Mandatory in Ontario?

• By law: Health insurance is not mandatory in Ontario.
• By employers: Many employers offer health benefits as part of group insurance plans.
• Best practice: Highly recommended to avoid paying full costs for medications, dental, or health services not covered by OHIP.

🌟 Types of Health Insurance We Offer

1. Individual & Family Health Plans
   • Flexible coverage tailored to your family’s needs
   • Covers everyday health expenses not included in OHIP
2. Group Health Insurance
   • Coverage for employees in a company or organization
   • Improves employee well-being and helps attract/retain talent
3. Travel Medical Coverage
   • Emergency medical expenses while outside Ontario or Canada
   • Protects against high international hospital costs
4. Critical Illness & Disability Add-Ons
   • Lump-sum or income replacement if illness or injury prevents you from working

🌟 Optional Add-Ons for Health Plans

• Enhanced dental coverage (major restorative, orthodontics)
• Hospital cash benefit (daily allowance during hospital stay)
• Maternity and fertility coverage (depending on insurer)
• Mental health services (psychologists, counselors, therapists)

🛡️ Why Get Health Insurance Through a Broker?

Health plans can be complex and vary widely. Our brokers help you:

• ✅ Identify gaps in OHIP coverage
• ✅ Compare options from Ontario’s top health insurers
• ✅ Choose between individual, family, or group benefits
• ✅ Customize coverage for your budget and lifestyle.