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I want to cover the gaps in my government health insurance plan

We are all aware that there are gaps in government health insurance plans. If you are one of the millions of Canadians not fully covered by a group health plan, you are vulnerable to healthcare expenses not covered by your government health insurance plan.

Routine Care Is Important Care

The healthcare expenses not covered by your government health insurance plan often include routine expenses like vision care and dental care. Yet new research suggests that routine care is a key contributor to your overall health — we know, for example, that good oral health is part of good cardiovascular health.*
* The Canadian Dental Association 2005

Unplanned Expenses

Common, unexpected expenses can add up quickly. Physiotherapy after a sprain can add up to hundreds of dollars. Prescription drugs, registered specialists and therapists, medical equipment, an ambulance ride — these are just some of the costs not fully covered by most provincial health plans.

Supplemental Health And Dental Insurance Can Protect You From Routine As Well As Unexpected Costs.

There are many plans and benefit levels from which to choose, so you may select the coverage that suits your situation, lifestyle and finances.

You can fill the gaps in your current group plan as well. If you would like more extensive coverage than your group plan offers, there are supplemental plans that give you the option of "topping up" your existing group coverage — so you can fill the gaps in your government and your group insurance plan.

What does my government plan cover?

Every province and territory has a different health plan. However, the following are usually not covered by government health insurance plans:

  • Prescription drugs
  • Dental checkups and treatment
  • Hospital stays
  • Specialized care, including speech therapists or pathologists, physical therapists, chiropractors, and many more
  • Homecare and nursing
  • Medical supplies and equipment
  • Emergency medical health treatment for travellers
  • Personal emergency response
  • Hearing aids
  • Accidental death and dismemberment
  • Catastrophic coverage

Your province may outline coverage on their website.

Why do I need health insurance if I'm healthy?

No one likes to think about the possibility of becoming ill. Unfortunately, if an accident or illness were to happen, medication, treatment, and other expenses could cost you and your family considerably. Even treatment for common illnesses, like medication for back pain or therapy for a sprain, can be costly.

Supplemental health insurance provides peace-of-mind in the event that an accident or an illness may occur. You may want to view some recent statistics on the frequency of serious illness among Canadians.

Do I really need supplemental health insurance when I'd only make a few claims a year?

Although the dental, drug and vision components of a health plan are typically the used benefits, the long term value lies in the comfort of knowing you don't have to worry about the uncertainties of relying entirely on our government health system.

What Others Have Chosen


Flexcare is a uniquely flexible supplemental health insurance plan. Whether your focus is prescription drugs, dental care, vision care, extended health care or a combination of all, Flexcare offers a wide selection of plans from which you can choose.

Flexcare Core plans — DrugPlus™, DentalPlus™ and ComboPlus™ — offer comprehensive protection, while Flexcare Add-Ons allow you to increase Core plan coverage in the areas most important to you.

Flexcare Stand-Alone options provide even more alternatives. Stand-Alones can be purchased without a Core plan, which is often an ideal solution for those who have a limited group plan and would like to top-up their existing group coverage.

FollowMe™ Health

The FollowMe Health plan is specially designed for those whose group health coverage is ending, or has just recently ended. It offers coverage for prescription drugs, extended health care and optional coverage for dental care.

When you apply within 60 days of your group health coverage end date, you qualify without having to complete a medical questionnaire, regardless of your health.

FollowMe Health provides four levels of coverage from which to choose, Basic, Enhanced, Enhanced Plus and Premiere, as well as a FollowMe Travel Add-on, so you may select the protection that best suits you and your family.