What is private health & dental insurance with Private Lane Advisory?

Private health and dental insurance covers the cost of medication and medical treatments that universal health care in Alberta does not.

While Alberta health plans typically cover essential medical services such as doctor visits, hospital stays, and surgery, extended health insurance coverage expands the scope to include services like preventative care, follow-up treatments, and much more.

What does private health insurance cover?

Personal health insurance plans often include benefits such as:

Prescription Drugs

Antibiotics, narcotics, creams, etc.

Paramedical Expenses

Mental health services, physiotherapy, registered massage therapy (RMT), chiropractic, etc.

Medical Equipment

Crutches, nebulizers, CPAP machines, etc.

Dental Treatment

Teeth cleaning, braces, crowns, etc.

Vision Care

Glasses, contact lenses, eye exams, laser eye surgery, etc.

Travel Medical

Emergency medical expenses

Extended health insurance policies provide comprehensive coverage for prescription drugs, dental coverage, vision care, travel medical coverage, and more. Some private health insurance coverage may even include semi-private or private hospital rooms or access to virtual healthcare providers. These additional benefits can vary depending on the specific insurance plan and provider Let Private Lane Advisory find the right coverage for you.

There can be annual maximums placed on each coverage type in the form of dollar amounts as well as percentages of the cost covered. For example, you may have a plan that might cover:

80% cost of prescription cost up to $5000 per year
80% cost of dental care for the first $500 then 50% for the next $500
$150/year cost of vision care (including eye exams)
$5 million in emergency health coverage for first 9 days of each trip.

What are the types of personal health insurance plans in Alberta?

Generally, Albertan insurance companies divide their health coverage into three tiers: basic, mid-tier, and enhanced. Higher tiers offer more comprehensive coverage, but will likelyh cost more than basic plans.

Basic Plan

60% of prescription costs, up to $5,000
60% of dental care, up to $500
No vision care (including eye exams)
No travel emergency medical coverage

Mid-Tier Plan

70% of prescription costs, up to $5,000
70% cost of dental care, up to $750 (preventative only)
$250 every 2 years for vision care (including $50 per eye exam)
$5 million in emergency health coverage for the first 60 days of each trip

Enhanced Plan

80% of prescription costs, up to $5,000
80% of preventative dental care, up to $750; 50% of restorative care, up to $500; 60% of orthodontic, up to $1,500
$300 every 2 years for vision care (including $50 per eye exam)
$5 million in emergency health coverage for the first 60 days of each trip

*Some providers offer direct billing, meaning that the medical services provider bills them directly for their portion of the cost.
Other providers may require you to pay the entire bill upfront and they will reimburse you after you submit your claim.

How much does private medical insurance cost?

The cost of personal health insurance in Alberta depends on your personal health history and your plan's coverage details. For example, if you have any pre-existing medical conditions and have complex medical needs that require coverage, your plan will be more expensive.

Is private health insurance worth it in Alberta?

Yes! Even with your government health plan, Private Lane Advisory knows that your medical costs can start to rack up — especially for routine checkups like dental cleaning or eye exams - not to mention if you have kids! On top of covering the immediate expenses that come after a health event, like medication or rehabilitation, extended medical insurance can also cover preventive care and maintenance health care services

Who needs personal health & dental insurance coverage?

Anyone who wants a portion of their medical costs taken care of in a way that lets them balance their budget needs personal medical insurance. Alberta provincial plans will cover some eligible expenses, but extended health insurance will cover the rest.

Sometimes you have health care coverage through your work or group plan. But that's not always the case. You need extended health and dental if you are:

Business owners/Self-employed

If you own a business, or if you’re self-employed, you should get individual or group health insurance to keep yourself and your employees in peak condition.

Retired

Your employee benefits plan may have covered you in your working years, but now that you're retired and off the payroll, you will need your own extended health plan.

Families

Medical costs for a family with dependents can add up quickly - like when one kid needs braces and the other needs glasses. Health insurance can help families afford those costs.

Isn't medical care free in Alberta?

Universal health care in Canada provides coverage in Alberta for basic medical care like doctor's visits, hospital stays, and surgery. It may also cover some medications/treatments administered in the hospital. However, thousands of other out-of-pocket expenses come with medical, dental, and vision care that are not covered by the Alberta government health insurance plan.

Who provides extended health insurance?

Private Lane Advisory works with Canada's best health and dental insurance providers. Each provider has different plans and different prices--our expert advisors at Private Lane Advisory can find the best health plan option for you!

How do I apply for health & dental insurance coverage?

To apply for health and dental insurance, start by sending us an email or phone call — it takes just a few minutes to find a great plan!

Answer a few simple questions about your health and what coverage you're looking for. Private Lane Advisory's Advisors will shop the health insurance market to find the best prices for your health and dental insurance!

Let’s Find the Right Health Insurance Coverage Plan That Works for You

Health Insurance is great to get while you are young but sometimes things happen, Private Lane Advisory is here to help protect you and your health from unexpected expenses.

Private Lane Advisory will walk you through your options, compare quotes from Alberta’s top insurers, and create a plan that supports you — without stretching your budget.

Start with a free consultation today.

No pressure. No obligation. Just expert advice tailored to you

Click Here To Start A Free Quote

Call Private Lane Advisory: 587-416-5775