Extended Health - Yasmin Bedoya
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Extended Health Benefits

INDIVIDUAL HEALTH & DENTAL INSURANCE IN CANADA

Bridging the gaps in provincial healthcare to protect your family's well-being—and your budget—from unexpected medical bills.

Personal Health & Dental Insurance: Comprehensive Care for You and Your FamilyWhile provincial healthcare plans cover many essentials, there are significant gaps that can lead to high out-of-pocket expenses. Individual and Family Health Insurance acts as a vital layer of protection, ensuring that your well-being—and your budget—is never compromised by unexpected medical bills.

Why Consider Individual Health Insurance?

In Canada, the cost of prescription drugs, dental care, and vision services can add up quickly. I provide tailored solutions for:

Self-Employed Professionals

Secure your own "benefits package" without needing an employer.

Contractors & Freelancers

Maintain consistent coverage as you move between projects.

Retirees

Bridge the gap between your previous employer’s plan and provincial coverage.

Families

Protect your children’s dental and vision health with regular check-ups

Core Benefits of Your Plan

As your broker, I help you select a plan that covers the services most important to your family’s lifestyle in cities like Calgary, Toronto, Regina, or Saskatoon.

Dental Care

Protect your smile and your health with coverage for:

  • Basic ServicesRoutine cleanings, X-rays, fillings, and extractions.
  • Major RestorativePeriodontics, endodontics (root canals), and more.

Prescription Drug Coverage

Manage the rising costs of medication with plans that cover:

  • Maintenance MedicationsOngoing prescriptions for chronic conditions.
  • New MedicationsAccess to the latest treatments without financial stress.

Professional Healthcare Services

Beyond the doctor’s office, your plan provides access to essential paramedical practitioners, including:

  • Physical Therapy & MassageRecovery and wellness support.
  • Mental Health SupportProfessional counseling and psychologist visits.
  • Vision CareCoverage for eye exams, glasses, and contact lenses.

Hospital & Emergency Support

  • Semi-Private RoomsEnhanced comfort during hospital stays.
  • Ambulance ServicesCoverage for emergency transportation costs.
  • Medical EquipmentSupport for hearing aids, mobility aids, and other necessary supplies.

The Knowledge Gap: Why "Vehicle" Choice Matters

The most important part of my role is ensuring you are in the right vehicle for your needs. Not every plan is equal; some focus on high drug costs, while others prioritize dental or vision.

Protect Your Family’s Health Today

Don't wait for an emergency to find out you aren’t covered. Let's design a health roadmap that fits your budget and protects your future.

Book a Free Consultation
Yasmin Bedoya — Independent Insurance Broker in Calgary, Canada
WHY IT MATTERS

The Broker Advantage

The biggest mistake many Canadians make is walking into their local bank and accepting a "one-size-fits-all" policy. As an independent broker licensed since 2020, I work for you, not the insurance companies.

  • Custom Comparison I analyze the top Canadian carriers to find the best rates and coverage terms.
  • Bilingual Guidance (EN/ES) I explain complex clauses in both English and Spanish, so you fully understand your beneficiary designations and policy riders.
  • No Judgment My approach is rooted in transparency and honesty, focusing on your specific financial roadmap.

Frequently asked questions extended health benefits

Do I need an employer to get health insurance in Canada?

No. While many Canadians have group benefits through work, I specialize in Individual and Family Health Insurance. This is a vital layer of protection for self-employed professionals, contractors, freelancers, and retirees who need to build their own "benefits package."

What are the most significant "gaps" in provincial healthcare?

Provincial plans (like AHCIP, MSP, or OHIP) are excellent for doctor visits and hospital stays, but they often do not cover prescription drugs, dental care, vision, or paramedical services (like massage or physiotherapy). Extended health insurance bridges these gaps to prevent high out-of-pocket expenses.

Can I customize my plan to focus more on dental than on drugs?

Absolutely. That is the core of my role as your broker. Not every plan is equal; some "vehicles" are designed with higher dental limits, while others prioritize maintenance medications. I help you select the specific plan that aligns with your family’s actual needs and lifestyle.

Are "Paramedical Services" like mental health and physiotherapy covered?

Yes. Most extended plans include coverage for a variety of professional healthcare practitioners. This includes physical therapy, massage therapy, psychologists, and professional counseling, ensuring you have support for both your physical and mental well-being.

How does coverage work if I move between provinces?

As your broker, I offer tailored solutions across AB, BC, SK, MB, ON. I ensure your plan remains consistent and compliant with provincial regulations, providing you with a "health roadmap" that follows you even if your career or location changes.

Book a free consultation now

We'll discuss your next best steps during this brief call; your information is secure and we are committed to confidentiality.