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Resources

To make informed decisions about health and dental insurance, you need to start by getting the facts. Reading our collection of articles about health and dental insurance in Canada will help you save time and money as you discover more about how insurance works, and how the choices you make now will affect you in the future.

Going Away for Christmas? Get Travel Insurance!

Whether you celebrate Christmas, Hanukah, Kwanzaa, or don’t observe the holidays at all, you might also opt to go to a sunny locale to beat the Canadian winter blues. Taking a trip across the country or to far stretches of the world takes a lot of planning. Be sure to include purchasing travel insurance on […]

[Read More]

Are You Depressed? Health Insurance Can Help Save Your Life

Sometimes we get the “winter blahs,” but there are those who find themselves feeling down for an extended period of time. What if it’s not just weather related, but actual depression? How do you know? Depression is a very serious (but common) mood disorder that affects about 3.5 million of Canadians each year. While the […]

[Read More]

When to Change Health Insurance Plans

Sometimes life takes us in different directions and we have to adapt. Our needs change over time. The insurance plan you bought ten years ago may have been perfect for you at the time, but now you may need something different. If you’re thinking of updating your existing health insurance plan, there are several things […]

[Read More]

Health Insurance Can Help You With Pain Management

Years ago, chronic pain was almost a thing of myth. Nobody wanted to admit that they were in crippling, inexplicable pain. Doctors chalked it up to mental illness, employers wouldn’t believe their staff, and so many people went through life being told to “suck it up” and quit complaining, especially if they were relatively young. […]

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Why You Need the Perfect Insurance Plan for Your Children

Our caring and nurturing doesn’t stop at feeding and clothing, it extends to the well-being of our children in all ways. That includes making sure they have an education, a clean environment, and lots of support—including access to health services. If you already have an insurance plan but only have individual coverage, you should see […]

[Read More]

Get Dental Insurance Before You Need Dental Surgery!

Thankfully, we now live in a society where tooth extractions are the absolute last resort, and dentists will do everything in their power to save your teeth. Sometimes the measures they take include dental surgery, which can sound scary at first, but once you know what’s involved you’ll realize it’s a much better alternative to […]

[Read More]

How to Avoid Expensive Dental Costs

Now think about how you could pay that dental bill without dental insurance. Would you be able to afford it? When faced with this question, most people opt to skip the dental visit altogether and forget about it, but we should never neglect our health because of money. Although dental fees are increasing every year, […]

[Read More]

Health Insurance Dictionary

Acupuncture –An alternative medicine treatment involving having thin needles inserted into the body. This is used to treat many ailments including nausea, stress, pain, and addiction. While some may find it effective, its uses are not fully understood. May not be covered under some plans, or only partially covered. Annual Maximum–The total amount available for […]

[Read More]

When to Change Health Insurance Plans

Sometimes life takes us in different directions and we have to adapt. Our needs change over time. The insurance plan you bought ten years ago may have been perfect for you at the time, but now you may need something different. If you’re thinking of updating your existing health insurance plan, there are several things […]

[Read More]

Health Insurance Can Help You With Pain Management

Years ago, chronic pain was almost a thing of myth. Nobody wanted to admit that they were in crippling, inexplicable pain. Doctors chalked it up to mental illness, employers wouldn’t believe their staff, and so many people went through life being told to “suck it up” and quit complaining, especially if they were relatively young. […]

[Read More]

Health Insurance Dictionary

Acupuncture –An alternative medicine treatment involving having thin needles inserted into the body. This is used to treat many ailments including nausea, stress, pain, and addiction. While some may find it effective, its uses are not fully understood. May not be covered under some plans, or only partially covered. Annual Maximum–The total amount available for […]

[Read More]

Have Fun Travelling the World…With Insurance

Travel requires more than airports, luggage, logistics and planning. Sometimes things happen while you’re away that you never planned for. What happens when you’re far from home and you get hurt? In our haste to “get outta Dodge” we cannot forget to purchase travel insurance. As the headlines about the growing dangers in foreign countries […]

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Canada’s Provincial Health Plans

It’s important to remember that all costs when travelling to another province are usually reimbursed at your home province’s fee guide rates. We have listed what most provincial plans cover to give you an idea of what Canada has to offer from coast to coast: Benefits from all provinces are changed regularly, therefore some of […]

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Health Insurance in Retirement

Employer-Sponsored Health Insurance Many full-time employees are offered access to health coverage through an employer-sponsored health insurance plan. Usually, an employee keeps this plan until they either quit the job, or retire. It’s great that some employers take care of their former workers, but with rising costs, this may not always be the case. Health […]

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How Affordable is Health Insurance?

Get Out Your Calculator In order to estimate how much your health insurance will cost, you must consider all the expenses that go with it: premiums, deductibles, and co-payments. The premium is the regular amount that must be paid in order to purchase the plan, which you will pay every month. A deductible may also […]

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Vision Care Coverage – See Your Benefits Clearly

Are Eye Exams Covered by Your Provincial Plan or Your Supplemental Plan? Depending on where you live, eye exams might be covered by your provincial plan. In Ontario, eye exams are covered by OHIP for people under the age of 20, and over the age of 65, as well as many with low incomes. Anyone […]

[Read More]

Why You Need the Perfect Insurance Plan for Your Children

Our caring and nurturing doesn’t stop at feeding and clothing, it extends to the well-being of our children in all ways. That includes making sure they have an education, a clean environment, and lots of support—including access to health services. If you already have an insurance plan but only have individual coverage, you should see […]

[Read More]

Get Dental Insurance Before You Need Dental Surgery!

Thankfully, we now live in a society where tooth extractions are the absolute last resort, and dentists will do everything in their power to save your teeth. Sometimes the measures they take include dental surgery, which can sound scary at first, but once you know what’s involved you’ll realize it’s a much better alternative to […]

[Read More]

How to Avoid Expensive Dental Costs

Now think about how you could pay that dental bill without dental insurance. Would you be able to afford it? When faced with this question, most people opt to skip the dental visit altogether and forget about it, but we should never neglect our health because of money. Although dental fees are increasing every year, […]

[Read More]

Dental Insurance Dictionary

Basic dental services An umbrella term for dental services that generally include exams, x-rays, polishing, scaling, root planing, endodontic services and tooth removal. Bitewing x-rays A type of x-ray that you bite down on, that is usually taken every six to nine months with your recall visits. You bite on the film and the dental […]

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Dental Insurance Checklist

If you don’t have a plan or your existing one isn’t cutting it for you, it’s a great idea to put a little research into finding something that will meet all your needs, before one of those mishaps happen to you. An insurance broker will be happy to help you sort through your options and […]

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Why Your Dental Fee Guide is Important and How to Understand It

Decoding the Codes Every procedure, every appliance, and every exam has a specific code. For example, you may have had a recall exam, where your dentist checks for cavities; some scaling, where the hygienist scrapes plaque off your teeth; and some polishing. If you’re in Ontario, your invoice will look like this: 01202 – Recall […]

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Dental Insurance: How to Fill in the Gaps

When you’re young, you have other things to worry about than your teeth. No one believes, when they’re in the prime of their lives, that someday they’ll fall apart — and it usually starts with the teeth. You lose one, and all of a sudden you have a decision to make. Unless you’re willing to […]

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What You Need To Know About Your Basic Dental Coverage

The next challenge for you is figuring out what exactly your plan covers. There are so many different programs; it’s understandable to have questions. If you have what is called “Basic Dental Services” covered under your plan, it’s important to know what qualifies as “basic.” What is Scaling? What is Root Planing? Most of us […]

[Read More]

Going Away for Christmas? Get Travel Insurance!

Whether you celebrate Christmas, Hanukah, Kwanzaa, or don’t observe the holidays at all, you might also opt to go to a sunny locale to beat the Canadian winter blues. Taking a trip across the country or to far stretches of the world takes a lot of planning. Be sure to include purchasing travel insurance on […]

[Read More]

Are You Depressed? Health Insurance Can Help Save Your Life

Sometimes we get the “winter blahs,” but there are those who find themselves feeling down for an extended period of time. What if it’s not just weather related, but actual depression? How do you know? Depression is a very serious (but common) mood disorder that affects about 3.5 million of Canadians each year. While the […]

[Read More]

Do I Need Travel Insurance for a Destination Wedding?

Weddings create a huge market, and this is certainly true for destination weddings. Places like Cancun, Dominican Republic, and other tropical getaways are popular for this type of celebration. It’s a great idea—you get your family and friends all together in paradise and share your special day with them, and the rest of your time […]

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How Your Insurance Can Help Your Child Cope with ADHD

With a combination of therapies, it can be manageable for many people. Symptoms tend to lessen as the child gets older, with only a small percentage of adults displaying ADHD behaviour. Children with ADHD often have trouble in school and social settings. To a child with the disorder, the world can seem overwhelming and day-to-day […]

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Why You Need Drug Coverage and How it Helps You

Many drugs are already covered for those aged 65 and older. But what about everyone else? The Ontario Drug Benefit Plan’s website details who is eligible and how to go about obtaining coverage. If you are coming off a group plan, you are automatically eligible for prescription drug coverage. However, if you are not, it’s […]

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Give Your Body a Spring Cleaning Too

Schedule a Doctor’s Appointment They call it an annual physical for obvious reasons. You should see your doctor at least once a year to review your health. Keep a list of any questions you may have. Your doctor will want to Discuss your drug dosages and whether any of them need to be increased, decreased, […]

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Encouraging Good Dental Care Habits in Children

Check Your Insurance Coverage If you had a plan before your children came along, call your insurance provider and have them add your kids to it. If you only have single coverage, meaning that you are the only person entitled to coverage, you can upgrade to a dependent plan that will cover your whole family, […]

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Why You Need Custom Orthotics: It’s all in the Shoes

Thankfully, shoes have improved over the years. Someone smart finally realized that if shoes fit each foot correctly, they would be more comfortable. Now, shoes are no longer just protective barriers from dirt, rocks and weather, they are (usually) functional, lend support, and protect our feet while we go about our business. But even now, […]

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If you have any questions, would like more information or need assistance selecting a plan, please do not hesitate to call us.

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Special Benefits Insurance Services
366 Bay St, 7th Floor, Toronto, ON, M5H 4B2

North East Branch:
Special Benefits Insurance Services
158 Casimir Street, Port Perry, ON, L9L 1B7