Santé & Bien-être

Supplementary Health and Dental Insurance

Protect Yourself Beyond RAMQ

In Canada, and specifically in Quebec, your public health insurance plan (like RAMQ) offers essential protection, but significant gaps remain regarding uncovered care.

That is why supplementary insurance is indispensable. Are you looking to cover unexpected costs for prescription drugs, health professionals like massage therapists, chiropractors, or osteopaths, or expensive dental care?

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Why is it Essential in Quebec?

Drug Insurance

Quebec law makes drug insurance mandatory. If you are not covered by a private group plan, you must join the RAMQ public plan. However, the latter can involve significant deductibles and co-insurance. Private insurance often reduces your out-of-pocket costs and expands the list of covered drugs.

Dental Insurance

Dental care (exams, cleaning, fillings, crowns) is one of the highest expenses not covered by the public plan. Good dental insurance gives you access to preventive care and major treatments without compromising your finances.

What Supplementary Care Insurance Covers

The main goal of a supplementary insurance plan is to fill the gaps in provincial coverage.

Prescription Drugs

Covers drugs listed on the formulary, supplementing or replacing RAMQ.

Dental Care

Reimbursement for exams, cleanings, fillings, crowns, and dentures.

Paramedical Care

Specialists not covered publicly: physiotherapists, chiropractors, osteopaths, massage therapists, psychologists.

Vision Care

Eye exams, prescription glasses, and contact lenses.

Emergency Travel Medical

Emergency medical care when traveling outside the province or Canada.

Miscellaneous Services

Ambulance services, specialized home nursing after surgery.

The Market in Numbers

70%

Nearly 70% of Canadians benefit from supplementary protection.

48.2 G$

In 2023, $48.2 billion was paid out in health benefits.

1 / 4

1 in 4 Canadians avoids the dentist due to cost.

+45%

Payouts for mental health support increased by 45% in one year.

Dental Insurance: A Necessity

Unlike medical care, dental services are barely covered by public plans, making private insurance crucial.

Quebec households spend the most on direct dental care. A private premium varies from $40 to over $300/month depending on coverage.

Deductible: Amount to pay before reimbursement starts (e.g., $25-50/year).
Co-insurance (Basic Care): Insurer often covers 80%, you pay 20%.
Co-insurance (Major Services): Often shared 50% / 50% for crowns and bridges.

Importance of Prevention

About 27% of Quebec adults forgo essential care due to cost. Dental diseases cause 2.26 million days of school absenteeism per year.

Frequently Asked Questions (FAQ)

It is private insurance that covers costs (cleaning, exams, treatments) not reimbursed by RAMQ. It is often included in supplementary health insurance.

No, except for certain child care covered by RAMQ. However, it is strongly recommended given the high costs of private care.

1. Subscribe to private insurance (partial reimbursement).
2. Check eligibility for the new Canadian Dental Care Plan (CDCP).
3. Prioritize prevention (regular exams) to avoid costly complications.

Your Health Deserves the Best Protection

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