Health Insurance Agency: Get Extended Health & Dental Coverage
Stop Paying Hundreds Out-of-Pocket For Extended Healthcare That Your Family Needs
"I thought the government dental plan would cover everything, but I'm still paying out of pocket for our family dental expenses, and my dentist won't even take the CDCP plan."
Sound familiar?
Thousands of Vancouver families are discovering that government health coverage has significant limitations. MSP covers essential medical services but nothing for other healthcare your family uses regularly — massage therapy, physiotherapy, naturopathy, vision care, prescription drugs, or comprehensive dental.
Even the new Canada Dental Care Plan (CDCP) only helps with basic dental if your family income is under $90,000, and even then you're paying substantial co-payments.
What Can a Health Insurance Agency Actually Do for You?
A health insurance agency helps families and small businesses secure comprehensive extended health and dental coverage that is not covered by government programs.
We design coverage solutions that help you with the high costs of extended health services your family uses, while giving you faster access to care and more provider choices.
The Real Cost of Going Without Coverage in Vancouver
Extended Health For Self-Employed Households: The Hidden Expenses Add Up Fast
Take Allison, a self-employed project manager consultant in Burnaby with two kids. Her family income of $85,000 qualifies for partial CDCP dental coverage (40% coverage, 60% co-payments), but that's only part of her healthcare costs. Here's her monthly reality:
Monthly Reality Check:
Massage therapy for chronic back pain: $180/month (MSP covers $0)
Kids' physiotherapy after sports injuries: $120/month (MSP covers $0)
Prescription medications: $95/month (MSP covers $0)
Glasses updates for family: $35/month average (MSP covers $0)
Dental cleanings with 60% CDCP co-payment: $90/month
Total monthly out-of-pocket: $520
With a comprehensive family extended health and dental plan, Sarah could significantly reduce her out-of-pocket costs while getting better dental coverage than CDCP and full extended health benefits that government programs don't provide.
The exact savings depend on the specific plan she chooses, but many families find their monthly premiums are offset by the coverage they receive for services they're already paying for out-of-pocket.
For Small Business Owners: The Talent Retention Challenge
Clark runs a 12-person marketing agency in Vancouver. His top graphic designer just gave notice to join a larger firm offering full benefits. The replacement process cost him:
Recruitment and training time: $8,500
Lost productivity during transition: $12,000
Higher salary to attract quality replacement: $6,000 annually
A group benefits package costing $180 per employee monthly ($2,160 annually) would have prevented this $26,500 loss while keeping his entire team happy and competitive.
Why Vancouver Families Need Extended Health Coverage Beyond Government Programs
Better Dental Coverage Than CDCP Limitations
CDCP has income restrictions (must be under $90,000), requires preauthorization for many treatments, and limits you to participating dentists.
Private dental coverage works with a lot more dentists in Vancouver, provides immediate treatment approval for most services, and often covers more procedures at higher benefit levels.
Extended Health Services Government Doesn't Cover
MSP covers basic medical visits but nothing for the comprehensive health services Vancouver families also need access to. Extended health insurance covers:
Paramedical Services:
Massage therapy, physiotherapy, chiropractic care
Naturopathy, acupuncture, psychology services
Podiatry, speech therapy, occupational therapy
Prescription Drug Coverage:
Medications not covered by PharmaCare (based on income thresholds)
Lower co-payments than government drug plans
Coverage for specialty medications
Vision & Hearing Care:
Eye exams, prescription glasses, contact lenses
Hearing aids and hearing tests
Vision therapy services
Medical Equipment & Services:
Prosthetic appliances and durable medical equipment
Home care and private nursing services
Ambulance services beyond MSP coverage
Extended health plans provide coverage for each service category, with specific amounts and coverage percentages varying by plan level and insurer. Coverage typically includes annual maximums for each type of service and co-payment structures that vary based on the plan you choose.
Small Business Benefits That Actually Compete
Some of your employees value comprehensive benefits more than equivalent salary increases. Here's why group coverage makes business sense:
Employee Perspective:
Extended health covers paramedical services, prescription drugs, vision care worth $2,500-4,000 annually
Dental coverage for routine and major services
Access to services like massage therapy, naturopathy, psychology
Costs them nothing in taxable income
Covers their entire family
Provides security and peace of mind
Business Owner Benefits:
Tax-deductible business expense
Easier employee retention and recruitment
You get coverage too as the business owner
Plans grow with your company from 3 to 50+ employees
Common Vancouver Dental & Extended Health Insurance Questions Answered
"My kids need braces—will CDCP cover orthodontics?"
CDCP orthodontic coverage is extremely limited and only covers cases deemed "medically necessary" with strict criteria. Most cosmetic/functional orthodontics that kids typically need aren't covered. Private dental plans typically cover 50-80% up to $2,000-$4,000 per child—real savings on $8,000+ treatment costs.
"We're over $90,000 family income—what are our options for dental coverage?"
Families over $90,000 don't qualify for CDCP at all, making private dental coverage essential. You'll get better coverage than CDCP provides anyway—no income restrictions, broader provider network, faster treatment approval, and often better benefit levels.
"MSP doesn't cover my massage therapy and prescription drugs—how much could I save with extended health?"
If you're spending significant amounts monthly on massage therapy, physiotherapy, or prescription medications, an extended health plan can provide meaningful coverage for these services. The exact savings depend on your usage patterns and the specific plan you choose.
Many families find that the coverage they receive for paramedical services and prescription drugs they're already paying for out-of-pocket makes the plan cost-effective, even before factoring in dental and vision benefits.
Your Next Step: Get Your Free Health Insurance Analysis
Stop wondering what you're really paying for healthcare and what better coverage would actually cost your family or business.
Free 30-Minute Coverage Review Includes:
Analysis of your current out-of-pocket healthcare spending
Comparison of government plan limitations vs. private coverage benefits
Customized recommendations for your family size and budget
Real pricing for plans that cover your preferred healthcare providers
Ready to take control of your healthcare costs?
Book Your Free Consultation Today
Text or call (778) 655-3874 or Schedule Your Free Consultation Online.
Get in touch with a licensed health insurance professional helping Vancouver families and businesses find comprehensive, affordable health coverage.
We work with all major insurers to find the best rates and coverage for your specific needs.
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