You will be surprised to know that the medical insurance plans across Canada will not be able to provide adequate medical cover for your dental problems, vision care and prescription drugs.
However tooth decay and gum problems are very common in many individuals and late diagnosis and treatment could lead to other health problems.
Due to the inadequate cover, most individuals are discouraged to visit a dentist and this will only increase the risk of dental problems.
Depending on the dental procedure the cost of treatment would vary.
Cleanings could normally cost you $150 - $200, fillings $50 - $150, root canal $800 - $1200 and X-rays could make you poorer by $150 - $250.
If you visit the dentist twice in a year to do these procedures, it could cost you a lot of money.
Dental care is as important as other medical problems and you should not be carless in this regard.
If regular cleaning of teeth and gums is not done at regular intervals, you may have to opt for expensive treatments later in life.

• Prescription drugs - $1.
  2000 per year (maximum per person).
  It is paid at 80% and includes brand name drugs if no generic equivalent is available.
  
• Dental - $750 in the first 12 months, $1,000 in the next 12 months and $1,250 in the next twelve months thereafter.
  
• Vision - $250 for every 24 months
• Accidental dental - $10,000 every year
• Hearing aids - $500 every 4 years
• Home support services - $5,000 per year
• Medical items - $5,000 per year.
  

When choosing a dental insurance plan, you would need to ascertain the following:

• Does the dental cover include all members of the family?
• Will the cover be 100% or will it be partial?
• If you have a pre-existing dental problem, will it be covered?
• What are the various dental procedures that are covered by the medical plan?

If you and family members make regular visits to the dentist, you would be able to minimize any serious dental problem.
You will be surprised to know many symptoms of medical problems actually start through the dental route.
So going to the dentist regularly will also help in diagnosing other serious medical problems.
You will also be able to reduce future dental problems Prescriptions drugs are also not covered by the federal medical insurance plan and individuals who need to take medication on a daily basis will find this to be very costly.
The costs of prescription drugs have also been increasing with each passing day and lack of drug coverage will become a major problem.
However in some cases full prescription cover is provided by the provincial medical insurance plan.
If you are an individual on social assistance or over the age of 65, you will be entitled to a complete cover.
Other citizens of Canada will only be able to get partial medical cover for this purpose.
Most medical conditions would require prescription drugs that are extremely costly and this could have a major impact on your financial situation.
Your finances would be further stressed, if you have to take the costly medication on a daily basis.
If you want a medical insurance plan that covers prescription drugs, you would need to pay a premium for this purpose.
There are some provinces in Canada where the premium that you pay for a prescription cover can be eligible for tax credits.
Awareness about such medical insurance provisions in your province is necessary and this will help you claim tax credits.
You should never treat dental problems and prescription drugs as something small.
In the long run an inadequate cover for dental issues and prescription drugs could become a major money drainer.
So it is best to be prepared rather than regretting later.
Get a medical insurance plan that covers dental problems and prescription drugs.