Family Medical Insurance

Family Medical Insurance

Bridging the gap with Supplemental Family Insurance

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Family Medical Insurance Basics for Canadians

This site is intended to provide individuals in Canada with general information pertaining to provincial health insurance coverage and the benefits of supplemental insurance regarding family medical insurance plans.

The medical care system in Canada covers all citizens and landed immigrants, giving them access to basic medical care insurance. This insurance covers basics but is insufficient to cover all medical needs and emergencies. Under these circumstances, it is advisable to opt for additional family medical insurance in order to avoid potential financial difficulties in the case of a medical emergency. You can never anticipate sickness; it can strike without warning and find you without sufficient funds, causing additional stress to an already challenging situation.

The majority of people living in Canada are unaware of the various basic features of an insurance plan. The information supplied here will help you choose the right plan for your family. With this in mind, it is important that the basic concepts regarding insurance plans be well-understood. This site provides detailed information on the different medical insurance coverage that can be obtained for families.

COVERAGES

Family Medical InsuranceListed below are brief descriptions of various medical insurance options, each section offering a link to that specific coverage in which you might be interested. These links provide more detailed information about the different insurance plans available for families.

FAMILY MEDICAL INSURANCE GENERAL

It is important for young families to consider extended medical insurance. Though provincial basic insurance is available, it is far from sufficient in paying for all hospital bills related to emergency situations or for specific treatments. Follow this link for more details on the importance of Family Medical Insurance.

BASIC MEDICAL INSURANCE

  • Doctor Visits
  • Surgical Procedures
  • Diagnostic Tests – Blood Work

There are many valid reasons why medical insurance should be on your list of priorities, especially if you have children. You need to be sure that your insurance adequately covers emergency and special medical services that your family cannot afford. Note that medical insurance offered by the Canadian provinces merely includes basic medical coverage for your family. You can find more specific information by following the link Basic Family Medical Insurance.

ONTARIO FAMILY MEDICAL INSURANCE

  • Ontario Family Medical Insurance What is Covered
  • What is Not Covered

Gaps in medical coverage in Ontario’s health care plan give reason to acquire additional family medical insurance. The family medical insurance plans obtained from private insurance companies can provide the protection that is not offered by provincial medical care. Your spouse and children can be included in this insurance plan under the same policy number. Click on this link to find out more about Ontario Family Medical Insurance.

INDIVIDUAL, SELF EMPLOYED, PRIVATE, MEDICAL INSURANCE

Insurance coverage is important not just for families, but also for individuals and small businesses. Click on these other medical insurance links for details.

FINANCIAL AND GENERAL SUMMARY

Click on this Finance link for some examples of costs related to medical requirements, with and without insurance benefits. Private insurance plans often have interesting extended health benefits such as massage therapy, psychology, physiotherapy, and other services not covered by provincial plans.

  • Costs with and without insurance
  • Small business premiums and costs
  • Extended health and additional private insurance benefits

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