Personal Drug & Dental Insurance Plans (Extended Health Care) in Alberta

Personal Drug & Dental Insurance in Alberta, also known as Extended Health Care (EHC), provides comprehensive coverage for prescription medications, dental treatments, and other healthcare services not fully covered by provincial health plans. These plans help reduce out-of-pocket expenses, ensuring that you and your family can access essential medical care, maintain overall health, and enjoy peace of mind knowing that unexpected healthcare costs are covered.

Comprehensive Coverage for Your Health and Peace of Mind

Managing healthcare costs in Canada can be challenging, especially for services not covered by provincial health plans. Personal Drug & Dental Insurance, also known as Extended Health Care (EHC), provides coverage for prescription medications, dental treatments, and additional healthcare services. These plans help reduce out-of-pocket expenses while ensuring access to essential medical care for you and your family.

With an Extended Health Care plan, you can focus on your health and well-being without worrying about unexpected costs.

What is Personal Drug & Dental Insurance?

Personal Drug & Dental Insurance helps cover medical expenses not fully paid for by provincial health insurance. Typical coverage includes:

• Drug Coverage: Helps pay for prescription medications, reducing the financial burden of necessary drugs.
• Dental Coverage: Covers routine dental care such as check-ups, cleanings, fillings, and sometimes orthodontics.
• Extended Health Benefits: Includes vision care, physiotherapy, chiropractic services, massage therapy, and other paramedical treatments.
• Hospitalization: Some plans cover private or semi-private hospital rooms.
• Travel Insurance: Provides medical coverage during travel outside your home province.

Benefits of Personal Drug & Dental Insurance

1. Cost Savings: Reduces out-of-pocket expenses for prescriptions, dental care, and other healthcare services.
2. Access to Care: Ensures you and your family can receive necessary treatments without financial barriers.
3. Peace of Mind: Offers financial security in case of unexpected medical or dental expenses.
4. Comprehensive Coverage: Covers a wide range of healthcare services, including paramedical treatments.
5. Customizable Plans: Choose coverage levels and services based on your individual or family needs.

Who Needs Personal Drug & Dental Insurance?

• Self-Employed Individuals: Without employer-sponsored benefits, personal plans are essential to cover medical costs.
• Retirees: After retirement, many lose employer benefits and require continued coverage.
• Individuals Without Employer Benefits: Part-time or contract workers benefit from personal insurance plans.
• Families: Coverage for growing children ensures routine dental and healthcare services are accessible.
• People with Chronic Conditions: Individuals with ongoing medical needs benefit from drug and paramedical coverage.

How to Choose the Right Plan?

1. Assess Your Needs: Consider prescription medications, dental care, vision care, and paramedical services required by you and your family.
2. Compare Plans: Evaluate different providers for coverage options, limits, and costs.
3. Check the Provider Network: Ensure your preferred dentists, doctors, and pharmacies are included.
4. Understand Policy Details: Read the fine print for exclusions, waiting periods, and claim procedures.

Adjust as Needed: Many providers allow plan adjustments during renewal or open enrollment.