Freedom to Choose™ health and dental insurance
New grad looking for health insurance? We’ve got you covered.
Whether you’re leaving your parents’ plan or your student benefits are expiring, we can help cover healthcare costs your government coverage doesn’t.
Finding a job, moving back home or to a new city, figuring out life in “the real world.” If you’re feeling the pressure, you’re probably not alone.
One more thing you need to figure out? How you’re going to pay for out-of-pocket health expenses now that you’re ageing out of your parents’ plan or your student benefits are expiring.
Enter Freedom to Choose health and dental insurance.
Our plans can help cover:
- Prescription drugs
- Mental health support, including social workers and psychologists
- Dental, from routine check-ups to fillings and root canals
- Self-care, like massage therapy or a chiropractor
Plus, they start at just dollars a day – ideal for your budget when you’re just starting out.
You can apply online in just 15 minutes for coverage starting next month.
Here’s how our popular Select Plus plan helps cover some common costs for young adults:
| Without coverage | With Select plus | |
|---|---|---|
| Routine dental | $117 | $23.40 (80% reimbursement) |
| Major dental (i.e. crowns, dentures, bridges, etc.) | $642 | $321 (50% reimbursement if you add on optional major dental coverage) |
| Chiropractor visit | $60 | $20 (up to a maximum of $400 a year; $40 maximum per visit) |
| Massage | $80 | $40 (up to a maximum of $400 a year; $40 maximum per visit) |
| Physiotherapy | $110 | $70 (up to a maximum of $400 a year; $40 maximum per visit) |
| Eye exam | $190 | $115 (using $75 credit every two years) |
Note: For dental, this assumes the $25 person (or $50 per family) per calendar year deductible has been satisfied.
See why over 20,000 Canadians already put their trust in Freedom to Choose health and dental insurance
Here’s how our quick and easy application works
Have a question as you go? We’ve got team members standing by to help.
- Pick a plan
- Tell us about yourself / your family and any medical conditions
- Enter your payment info
- You’re done!
It depends, but most benefits plan or health insurance only covers dependents until they turn 21, or 25 if you’re still enrolled in post-secondary education.
Figuring out how you’re paying your own out-of-pocket medical bills can feel like a big step into adulthood – which is why Freedom to Choose health and dental insurance tries to make the process simple and quick. It just takes 15 minutes to apply online.
If you had a health insurance plan through your college and university, it usually ends once you graduate. Once this coverage ends, you’ll have to pay out of pocket for common health expenses like medication, going to the dentist or getting your eyes tested.
This means you may want to find another way to cover these expenses. If you get a job with benefits, that could help. If you’re still looking for work, you get a job without benefits or you decided to work for yourself, private health insurance like Freedom to Choose health and dental can help bridge that gap.
This will depend on your specific situation, but Freedom to Choose health and dental insurance offers affordable plans for new grads, starting at just dollars a day.
Paying out of pocket for health costs not covered by your government insurance, can add up quickly.
Private health insurance can help make those costs more manageable and predictable. You’ll have a monthly premium to factor into your budget, plus an idea of how much you’ll be covered for certain medical expenses when they come up. When you go to the dentist for a cleaning, fill a prescription or go to see a mental health professional you’ll know exactly how much you’ll have to pay-out-of-pocket vs what your insurance pays for.
When you’re juggling rent, student loan payments and everything else life throws at you, it’s nice knowing you’ve got one thing figured out.
We can’t predict what life will hold, even if you’re young and healthy right now. No one plans to get sick or have an accident. But if something unexpected happens, a serious illness or accident can cost you hundreds or thousands of dollars if you’re not covered.
If your job doesn’t include workplace benefits, private health coverage like Freedom to Choose health and dental insurance can help cover the gap. You can choose the coverage you want at a level that works for your budget. You can also add additional coverage, like major dental – which can cover bridges or crowns.
If you’d like to explore plans and see how much they could cost you, get a quote.