Why PolicyMe’s Health & Dental Insurance is a Must-Have

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As an entrepreneur, I don’t get health and dental insurance through work – so I have to go and find my own insurance provider. If you’re in the same situation as I am, or if you’re simply looking for a new health and dental insurance provider, PolicyMe’s health & dental coverage might just be the solution you need.

Today I’ll cover their Health & Dental Insurance options after previously discussing about their life insurance. In this post I’ll share everything you need to know about this insurance including its features along with its pros and cons. If you’re like me and looking for reliable insurance coverage, this post is for you!

What is PolicyMe Health & Dental Insurance?

PolicyMe’s Health & Dental Insurance is created to help Canadians to cover the cost for necessary medical services including vision and dental treatments. PolicyMe’s Health & Dental Insurance is a great option for those who don’t have health insurance provided by their workplace. This group includes entrepreneurs who run their own businesses along with independent freelancers and retirees who have lost their employer-provided benefits. This insurance plan protects you from unexpected medical costs and guarantees you access to necessary healthcare services when you need them.

PolicyMe separates itself from conventional insurers by allowing you to purchase health and dental insurance directly without needing to rely on an employer or provincial health program. The platform operates completely online to simplify and accelerate the application process. The entire coverage application process requires only minutes without any requirement for medical examinations or in-person appointments.

What Does PolicyMe Cover?

Here’s a detailed breakdown of the services included in their Health & Dental Insurance coverage:

Health Insurance Coverage:

  • Prescription drugs
  • Vision care: eye exams and prescription glasses or contacts
  • Chiropractor, physiotherapist, and massage therapy services
  • Psychologist or counselor visits
  • Paramedical services: physiotherapy, massage therapy, chiropractic care
  • Emergency medical care and hospital stays

Dental Insurance Coverage:

  • Preventative dental care: cleanings, check-ups, and X-rays
  • Basic dental procedures: fillings, extractions, and root canals
  • Crowns, bridges, and root canals
  • Orthodontics (dependent on the policy you select)

Who This Insurance is Designed For

PolicyMe’s Health & Dental Insurance is a great option for people in different stages of life who need flexible and reliable coverage. 

Here’s who it’s best suited for:

Entrepreneurs and Freelancers: This health insurance offers essential coverage for both health and dental needs for self-employed individuals who don’t receive employer-provided benefits.

Retirees: Seniors receive guaranteed insurance coverage without the need for medical exams which simplifies their ability to maintain insurance through retirement.

Families: The insurance policies provide customizable coverage options for either individual protection or complete family protection to ensure your needs are met while offering peace of mind.

Small Business Owners: Small Business Owners can use PolicyMe health and dental plans to provide employee coverage which helps with talent acquisition and retention.

This insurance provides an affordable solution specifically for those without access to traditional employer-sponsored health plans to fill their health coverage needs.

Pricing Examples

Health & Dental Insurance from PolicyMe offers straightforward pricing that stands competitive in the market. While actual rates depend on your location and specific coverage needs, here are some examples to give you an idea:

PolicyMe dental coverage for a single 35-year-old woman
The starting monthly price of dental coverage for a single 35-year-old woman is around CAD$ 93.45.
PolicyMe A single 35-year-old woman can get Health & Dental Coverage
A single 35-year-old woman can get Health & Dental Coverage beginning at CAD$ 101.45/month.
PolicyMe Family Dental Insurance for a 35-Year-Old Woman and Her 6-Year-Old Daughter
Family Dental Insurance for a 35-Year-Old Woman and Her 6-Year-Old Daughter Begins at CAD$ 141.19 Monthly.
PolicyMe Family Health & Dental Insurance for 2 people with a 35-Year-Old Woman and her 6-Year-Old Daughter
Family Health & Dental Insurance for 2 people with a 35-Year-Old Woman and her 6-Year-Old Daughter starts at approximately CAD$ 155.04/month.

What healthcare benefits does PolicyMe offer in addition to provincial insurance programs such as RAMQ and OHIP?

Provincial health systems in Canada provide advantages through services like RAMQ in Quebec and OHIP in Ontario. Provincial insurance plans cover only basic medical services while dental and vision care remain uncovered.

While the RAMQ system in Quebec includes coverage for doctor appointments and specific medical services it doesn’t offer benefits for regular dental visits and vision care. Under Ontario’s OHIP program patients receive coverage for essential medical services including doctor appointments and surgical procedures but dental and vision care benefits are not covered. PolicyMe offers healthcare solutions that address areas not covered by standard insurance plans.

RAMQ provides partial dental coverage for children under 10 years old in Quebec which covers one dental examination every year. Because provincial health insurance plans in Quebec and Ontario exclude extensive dental services like orthodontics and fillings dental insurance, PolicyMe becomes necessary to bridge this coverage gap. Ontario’s OHIP plan excludes dental procedure coverage unless the procedures are either emergency situations or medically essential. PolicyMe offers insurance that covers extensive dental services together with regular dental examinations and orthodontic care.

Why This Matters

Public health coverage provided by Quebec and Ontario provincial insurance plans is limited to basic medical needs so families need private insurance to obtain complete healthcare coverage. The healthcare coverage provided by RAMQ or OHIP doesn’t sufficiently cover all required dental services for children so families need to consider additional insurance options. Through PolicyMe Health & Dental Insurance families can secure required insurance coverage that lessens financial pressure while encouraging regular dental and vision exams.

Pros and Cons of PolicyMe’s Health & Dental Insurance

Pros

No medical exams required: Health coverage from PolicyMe does not require medical exams and you can start your benefits without extensive health screenings.

Direct-to-consumer approach: PolicyMe allows you to purchase insurance directly from them without requiring an employer or intermediary involvement. The procedure becomes faster and simpler because you obtain necessary coverage directly from PolicyMe.

Excellent customer support: Excellent customer service includes responsive assistance delivered through phone calls and email responses.
Quick and Easy Approval: Your benefits become active immediately within 1 to 2 business days after you receive approval.

Tax-deductible premiums: Self-employed individuals in Canada may lessen their taxable income through health insurance premium deductions.
Quick application process: The online application for insurance requires less than 5 minutes to complete and is completely hassle-free.

Flexible coverage: Flexible health insurance options serve both individual clients and family members. As a business owner you have the option to purchase insurance plans for your employees to help select a coverage solution that benefits everyone. You can personalize your insurance coverage to match your specific needs with this flexible option.

User-friendly platform: Manage your coverage online along with checking policy details and updating payment information through our easy-to-use platform.

Available for retirees: Seniors who retire can obtain assured insurance coverage without undergoing health examinations. It helps to pay for critical health services that standard provincial plans don’t cover including both dental and vision care. The coverage provides valuable additional protection for seniors requiring eye exams or dental work which government insurance only partially covers.

Cons

Limited face-to-face interaction: Customers experience only digital interactions since the service operates entirely online which may not fit every customer’s needs.

Waiting periods: Certain procedures under this insurance require waiting periods similar to those found in most insurance plans.

Annual maximums: Dental coverage reaches an annual limit which may fall short for major dental treatments.

Separate policies for life and health insurance: PolicyMe’s health insurance plans exclude life and disability insurance coverage which some employer-sponsored plans provide. You will need to obtain another policy to cover life and disability insurance.

Why Health & Dental Insurance Matters

Dental insurance is essential because, without it, Canadians are 3 times more likely to skip dental visits due to cost. PolicyMe’s dental coverage ensures you can access preventative care and necessary treatments without financial strain.

Key Terms to Know:

If you’re new to dental insurance, here are some essential terms to know:

Premium: This is the monthly cost of your dental insurance, like a subscription fee. You pay it whether or not you visit the dentist. Higher premiums often mean lower out-of-pocket costs for dental visits.

Deductible: The amount you pay upfront before your insurance begins to cover costs. For example, if your deductible is $100, you’ll pay that first. Plans with higher deductibles usually have lower monthly premiums.

Co-payment (Co-pay): A set fee you pay for each dental visit or service. For instance, you might pay $20 for a check-up, while your insurance covers the rest. Co-pays help make visits more affordable.

Coinsurance: After meeting your deductible, you share a percentage of costs with your insurance. For example, if your coinsurance is 20% and a dental procedure costs $100, you pay $20, and insurance covers $80.

Annual Maximum: This is the most your insurance will cover in a year. If your annual limit is $1,500, you’ll pay out-of-pocket for any costs above that. Higher limits are helpful if you need major dental work.

Waiting Period: The time you must wait after signing up for insurance before it covers specific treatments, often 3-12 months. For example, you may need to wait 6 months for a filling or a year for a crown. 

Pre-authorization: Approval from your insurance company before certain procedures. It confirms the treatment is covered and avoids surprise costs. Without pre-authorization, insurance might not pay for the service.

Final Thoughts

PolicyMe represents an affordable health and dental insurance solution without medical exams while maintaining user-friendly service. Self-employed workers who lack employer benefits and retirees seeking guaranteed coverage will find this option appealing.

However, if you need major dental work or prefer face-to-face consultations, it’s important to carefully review their coverage’s annual limits.

Overall, PolicyMe successfully provides straightforward health and dental insurance options to its users.

Ready to Take the Next Step?

You can get a dental insurance quote in just 30 seconds and complete your application in 5 minutes. PolicyMe makes finding the best health and dental insurance simple and stress-free so try it today!

About the Author

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Linhy Banh

I'm Linhy, a proud mom, business owner, and content creator (UGC) based in Quebec. I love sharing my passion for travel, lifestyle, and entrepreneurship with others, hoping to inspire families to explore, connect, and find ways to build fulfilling lives. Whether it’s tips for memorable family trips, insights on business growth, or lifestyle inspiration, I'm here to help make the journey a little easier and a lot more fun!

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