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Canada Life’s Freedom to Choose™ Health and Dental Insurance for Seniors
As you transition into retirement, it’s important to maintain access to health and dental coverage that meets your changing needs. Canada Life's Freedom to Choose™ health and dental insurance offers comprehensive plans, specifically designed for seniors who may no longer be covered by their workplace benefits. Explore our range of Guaranteed plans that cater to your health priorities and provide peace of mind—no medical exams required!
Explore Our Plans
Guaranteed Plan
For seniors looking for essential health coverage without dental. This plan includes:
Optional Prescription Drugs: Choose a drug card and receive 80% coverage up to $1,000 annually, or opt for paper-based claims with 90% coverage, up to $1,000.
Paramedical Services: 90% coverage up to $300 per practitioner per year for services such as chiropractic care, massage therapy, and more.
Vision Care: 90% coverage up to $75 for an eye exam every two years.
Private Hospital Room: $225 per day coverage for private room stays, up to 90 days annually.
Guaranteed Plus PLAN
A perfect fit for seniors seeking broad health and dental coverage. This plan includes:
Dental Coverage: 80% coverage for routine services such as cleanings, fillings, and oral surgeries, up to a maximum of $1,000 per person annually.
Optional Prescription Drugs: With a drug card, receive 85% reimbursement for eligible drugs up to $1,500 per person per year. If you prefer paper-based claims, we cover 100% of the costs up to $1,500.
Paramedical Services: Access $350 annually per practitioner (naturopath, physiotherapist, chiropractor, massage therapist, psychologist, or speech therapist).
Vision Care: Receive $200 every two years for lenses, frames, or laser surgery, plus $75 for an eye exam every two years.
Private Hospital Room: Coverage for the difference between a private room and a standard ward, up to $225 per day for 90 days annually.
Guaranteed Elite Plan
Comprehensive coverage for seniors who want more robust benefits. This plan includes:
Dental Coverage: 85% coverage for routine services like cleanings and fillings, up to $2,000 annually. For major services such as crowns, 50% coverage up to $1,000.
Prescription Drugs: 90% coverage, up to $2,400 per person per year.
Paramedical Services: $400 per practitioner annually for services like physiotherapy, chiropractic care, and more.
Vision Care: $275 every two years for lenses, frames, or laser surgery, plus 90% coverage for eye exams every two years.
Private Hospital Room: $250 per day for up to 90 days annually.
Additional Benefits for Seniors
No Medical Exams: Enjoy guaranteed acceptance for all plans, no matter your medical history.
24/7 Coverage: Freedom to Choose™ plans offer protection anytime, anywhere.
Flexible Coverage Options: Customize your plan with optional prescription drug coverage to meet your personal health needs.
Coverage that Grows with You: Whether you're managing ongoing health conditions or simply planning for the future, our plans are designed to evolve with your needs.
Why Canada Life?
At Canada Life, we understand that seniors deserve the best care as they transition into a new chapter of life. Our health and dental insurance plans are crafted to give you flexibility, affordability, and comprehensive coverage—so you can focus on enjoying your retirement.
Frequently Asked Questions
Do I need a medical exam to qualify for coverage?
No medical exam is required. All of our plans offer guaranteed acceptance, regardless of your health history.
Can I get coverage for prescription drugs?
Yes, prescription drug coverage is available as an optional add-on. Depending on the plan, you can receive 85% to 100% reimbursement up to an annual limit of $1,000 to $2,400.
Is dental care covered?
Yes, both the Guaranteed Plus and Guaranteed Elite plans offer dental coverage for routine services like cleanings and fillings, with coverage ranging from 80% to 85% and annual maximums of $1,000 to $2,000.
Does the plan cover paramedical services like physiotherapy or chiropractic care?
Yes, you’ll receive coverage for paramedical services, including physiotherapy, chiropractic care, and massage therapy, with annual limits of $300 to $400 per practitioner.
How does vision care work?
The Guaranteed Plus and Guaranteed Elite plans include vision care coverage, offering up to $275 every two years for glasses, lenses, frames, or laser surgery, plus coverage for eye exams.
At Senior Secure Canada, we specialize in providing financial solutions that ensure guaranteed income for life, helping you retire with peace of mind. With personalized strategies tailored to your needs, we help you navigate retirement without the stress of market risks.
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