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Mental health coverage in personal health insurance in Canada often includes therapy, psychiatric consultations, and medications. However, pre-existing conditions can impact access and require careful review of policy terms to ensure adequate support. This article outlines what mental health services are covered, how pre-existing conditions affect coverage, and more.
The average cost of personal health insurance starts at $61.32 per month for a 35-year-old single male, $110.38 for a 28-year-old couple, and $175.89 for a family of four, and varies depending on the type of plan, coverage, and personal health factors. Pre-existing conditions can lead to higher premiums or restrictions on coverage, while the province you live in can influence pricing due to regional healthcare needs. When comparing plans, you must evaluate the premiums, deductibles, coverage limits, and whether additional services such as dental and vision care are included.
The Canadian Dental Care Plan (CDCP) provides essential dental care to eligible Canadians with low and middle incomes who do not have private dental coverage. It covers services such as cleanings, fillings, extractions, root canals, dentures, and periodontal care. Services like implants, cosmetic treatments, and most orthodontics aren’t included, so private dental insurance may be needed for comprehensive coverage.
Looking for the cheapest health insurance in Canada? Compare 2025 plans by province and age, see what is covered, and find ways to lower your personal expenses. Get instant quotes from reputable insurers, with PolicyAdvisor’s expert advice.
Despite Canada’s universal healthcare system, two-thirds of 67% of Canadians have a private supplemental health plan to cover gaps like dental care, mental health benefits, and prescription drugs. Our comprehensive 2025 guide walks you through choosing providers, comparing costs, and securing the right coverage.
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