Plans for 65+

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The Best Health & Dental Insurance for People Aged 65+

Seniors need adequate and reliable health and dental insurance plan. The healthcare needs become particularly important and predominant when you reach 65. This is because seniors suffer from several common conditions ranging from dementia to Parkinson’s diseases and Alzheimer’s diseases. The best way to protect yourself is by leveraging the robust health and dental insurance plan provided by CAA. CAA health and dental insurance for 65+ covers three options: option 1 (EHC), option 2 (EHC + dental 2), and option 3 (EHC + drug 1 + dental 1). Each of these features is designed to offer the adequate protected required by seniors. The EHC cover basic expenses related to health care, to get an even better protection, you can opt for the Enhanced Extended Health Care (EEHC), however, this feature is only available with Drug 3.

Optional Features

The plan for 65+ can be further enhanced by adding drug and dental options. The drug coverage will cover out-of-pocket costs for prescription drugs and dispensing fees. The dental coverage is also optional and can reduce the number of dental expenses you might have to pay out of your pocket.

  • The Plan for 65+ includes option 1 (EHC), option 2 (EHC + Dental 2), and option 3 (EHC + drug 1 + dental 1).
  • Option 1 is designed for people who do not want drug or dental coverage but want the service of registered specialists and nurses. Option 2 is best for people seeking affordable dental protection while option 3 is the best for occasional prescriptions and dental visits.
  • The basic extended health care provides up to $400/year per registered specialists such as chiropractors, massage therapists etc, $250,000 in lifetime benefits not covered by the provincial government, and $3,500 per year for approved medical equipment and registered nurses.
  • Drug 1 covers the cost of eligible prescription drug including $6.5 per prescription for dispensing fees, and $400 per year for generic prescription drugs.
  • Dental 1 covers eligible out-of-pocket dental costs including up to $700 per year for services like cleanings, examinations, select extractions, and x-rays.
  • Dental 2 covers eligible out-of-pocket dental expenses which include up to $900 per year for basic services like cleanings, extractions, examinations, fillings, x-rays, and other specialized procedures like root canals.



Additional resources

Learn more about your health insurance options from these informative articles.

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