Flexible Protection for Health and Wellness Needs
Healthcare needs vary from one person to another, and not everyone has access to a traditional group benefits plan. Health Choice Coverage (HCC) is designed to fill that gap by offering flexible, affordable health and dental protection to individuals, families, self-employed professionals, and retirees.
HCC plans provide essential coverage for medical, dental, vision, and wellness expenses that are not covered by provincial healthcare programs such as RAMQ in Quebec or OHIP in Ontario. Our firm helps clients across both provinces understand their options and choose the plan that best supports their health and lifestyle.
We work independently with major insurers that offer HCC solutions—such as Manulife, Sun Life, Canada Life, Desjardins, iA Financial, Beneva, and others—ensuring your coverage aligns with AMF and FSRA guidelines.
What Is Health Choice Coverage (HCC)?
HCC is a customizable health and dental insurance package that allows individuals to choose the level of protection that fits their needs and budget. Unlike employer group plans, HCC is available directly to individuals and families.
Most HCC plans offer coverage for:
• Prescription drugs
• Dental care
• Vision care
• Paramedical services (chiropractor, physiotherapist, massage therapy, etc.)
• Emergency medical travel insurance
• Medical supplies and equipment
• Mental health support
• Hospital benefits
Some insurers also include digital health services, telemedicine, and wellness programs.
Who Is Health Choice Coverage Designed For?
HCC plans are ideal for:
• Self-employed individuals
• Small business owners
• Part-time workers
• Contract or gig-economy workers
• People with limited or no employer benefits
• Early retirees or those transitioning between jobs
• New Canadians waiting for provincial coverage eligibility
• Families wanting predictable health and dental costs
If you rely on provincial coverage alone—or are losing coverage due to a job change—HCC can provide vital protection.
Why Canadians Choose HCC Plans
1. Predictable Health Costs
Medical and dental expenses can be unpredictable. HCC provides structure and budgeting support.
2. Coverage for Essentials Not Paid by Provincial Plans
RAMQ and OHIP do not cover many services such as dental, vision care, massage therapy, or private clinic treatments.
3. Flexible Plan Options
Choose the exact level of health and dental coverage you want—basic, enhanced, or comprehensive.
4. No Medical Underwriting on Certain Plans
Some providers offer guaranteed-acceptance plans if you apply within a specific window after losing group coverage.
5. Digital Tools and Virtual Care
Modern HCC plans include telemedicine, mental health platforms, and wellness programs.
6. Emergency Medical Travel Coverage
Important for Canadians who travel often, whether for work or vacation.
Types of HCC Plans Offered by Canadian Insurers
Major Canadian insurers offer a range of HCC solutions, including:
Basic Health & Dental Plans
Affordable coverage for routine care such as cleanings, fillings, eye exams, and essential prescriptions.
Enhanced or Comprehensive Packages
Higher limits for paramedical services, major dental treatments, orthodontics, and more extensive drug coverage.
Modular “Build-Your-Own” Plans
Some insurers allow members to customize health, dental, and vision options independently.
Guaranteed Acceptance (No Medical Questions)
Ideal for individuals leaving a group plan—must often apply within 60–90 days.
Plans with Wellness and Preventive Care
Coverage for nutritionists, therapists, health programs, and digital wellness tools.
We compare the strengths of each insurer to help you choose the most suitable option.
What’s Typically Covered Under HCC?
Coverage varies by plan, but often includes:
• Prescription drugs
• Dental cleanings, X-rays, fillings, and major dental (depending on plan)
• Glasses, contact lenses, and eye exams
• Physiotherapy, chiropractic care, osteopathy, acupuncture, massage therapy
• Psychologists and licensed mental health practitioners
• Medical devices and durable equipment
• Private or semi-private hospital rooms
• Out-of-province emergency travel insurance
• Virtual medical consultations
• Preventive health services
We review your personal needs to help you select the right combination.
Health Choice Coverage for Families
HCC plans provide stability for families by covering:
• Children’s dental care
• Vision care for kids
• Prescription medication
• Paramedical support for sports or physical activities
• Family travel protection
Plans can be tailored to match each family’s unique needs and budget.
Health Choice Coverage for Self-Employed Individuals
Self-employed people often pay high out-of-pocket medical costs. HCC helps:
• Reduce financial risk
• Provide deduction opportunities (in certain structures—check with an accountant)
• Offer the same protection that employees receive
• Maintain income stability in case of unexpected health needs
We help self-employed clients understand their options and maximize their benefits.
Choosing the Right Level of Coverage
We help clients consider:
• Prescription medication needs
• Dental history (e.g., fillings vs major dental work)
• Vision care frequency
• Family size and needs
• Budget and desired coverage limits
• Travel habits
• Whether they have existing coverage from a spouse
• Eligibility for guaranteed-issue plans
A personalized review ensures you pay only for what you need—nothing more.
Our Role in Supporting Your Health Protection
As an independent advisory firm, we help individuals and families:
• Understand differences between HCC plans
• Compare pricing across multiple insurers
• Review coverage details and exclusions
• Apply for guaranteed-issue options when available
• Optimize benefits and coordinate with provincial plans
• Ensure compliance with AMF and FSRA guidelines
• Maintain and update coverage as life evolves
Our goal is to make health protection simple, transparent, and accessible.
Protect Your Health With Flexible, Reliable Coverage
Health Choice Coverage (HCC) offers peace of mind by making health and dental expenses predictable and manageable. Whether you’re self-employed, between jobs, recently retired, or simply want better health coverage, HCC provides the flexibility you need.
The best plan depends on your lifestyle, your medical needs, and your budget.
Book a consultation with us to explore HCC options and receive a customized health coverage plan.
