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No Health or Dental
Plan at work? No Problem.
Martell Insurance Services has brokerage contracts with the leading
providers of personal Extended Health Care and Dental Plans.
With more and
more cutbacks to our nations health care system,many Canadians
are surprised to find out, sometimes too late, that their government
Health Plan does not cover many day-to-day health related expenses
such as, prescription drugs,nursing care,ambulance expenses,paramedical
services and dental care just to name a few.
For some, these
expenses are covered by a company group plan, for the balance
there are Personal Extended Health and Dental Plans.
These plans are
ideal for individuals and families who:
Do not have
group coverage.
Work for or
own a small business.
Are self employed.
Have had coverage
reduced or terminated due to retirement.
Health plans or Extended Health Care plans are designed to provide
additional benefit coverage as a supplement to your provincial
health insurance plan. Any resident of B.C. regardless of age
or health condition can participate in a plan.
For the most part,dental plans are offered with 3 different levels
of coverage.
Level 1 - Basic
services including diagnostic and preventative,endodontics and
periodontics.
Level 2 - Basic
with major services. Major services includes such things as bridges,dentures,crowns,gold
inlays etc.
Level 3 - Basic
with Major and orthodontics, the addition of orthodontics includes
the realignment and straightening of the teeth.
Due to the much
higher costs associated with Major and Orthodontic coverage,
few personal plans are available.
Extended Health
Care (EHC) and Dental plans are normally sold as a package but
in some circumstance are available separately. The cost factors
of these benefits are based on the co-insurance levels and maximum
limits payable under each plan.
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