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Freedom to Choose™ health and dental insurance

Health and dental insurance for retirees and seniors

From flexible plan options to affordable monthly payments, we’ve got you covered.

If you think your provincial coverage will cover all your medical needs during retirement – think again.

Depending on your province, you may have coverage for hospitalization and doctor’s visits, but there are many common medical needs that you may have to pay all or a portion of the cost out of pocket.

  • Many prescription drugs
  • Massage therapists, physiotherapists, social workers, chiropractors
  • Routine dental care, including cleanings, fillings and dentures
  • Semi private or private hospital room
  • Wheelchairs, CPAP machines, orthotics
  • Glasses, contact lenses, eye exams
  • Hearing aids
  • Out-of-country emergency medical care

That’s where Freedom to Choose health and dental insurance comes in.

Our plans start at just dollars a day.

Get a quote

See why over 20,000 Canadians already put their trust in Freedom to Choose health and dental insurance

  • Get up to $250,000 in prescription drug coverage

  • No termination age, so you’re never too old for coverage

  • Add-ons include travel medical insurance

  • Can include home health care and private hospital room

  • Can cover hearing aids, dentures and mobility devices

  • No medical exam

Here’s how our popular Guaranteed plus plan helps cover some common health care costs for retirees and seniors.

Note: This plan is only available if you’re leaving a workplace benefit plan, or you left it within the last 60 days.

If you’re looking for other plan options, take our questionnaire to find a fit for you.

This information is for informational purposes. Terms and conditions may apply. 

Prescription drugs (optional)

85% prescription coverage up to $1,500 per person per calendar year 
In-home nursing   
100% coverage up to a combined maximum of $3,000 per person per year
Hearing aids, mobility aids and other medical supplies  
100% coverage up to the maximum outlined in the policy for approved rental or purchase 
Chiropractors, podiatrists and other paramedical specialists 
100% coverage up to $350 per practitioner each calendar year 

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!

Myth busting some common misconceptions about personal health and dental insurance for seniors.

  • “My drug costs will be covered by the government when I turn 65.”

    Some but not all drugs are covered. Currently between 4,500 to 6,500 drugs are covered, depending on where you live. Our plans cover over 18,000 eligible DINs. In addition, your provincial coverage may be subject to a deductible, a dispensing fee limit and eligibility dependent on an income test, which could cost more than getting individual insurance.

  • “I’m healthy, I don’t really need insurance 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.

  • “I don’t claim as much as the premium.”

    Maybe not today but what about next year or in five years? Having a health insurance plan in place today prepares you for future, unforeseen costs – especially with the new technologies and drug therapies adding to future health care costs.

Ready to get health and dental coverage?

If you’d like to explore plans and see how much they could cost you, get a quote

Apply now