Health & Dental Insurance
We work with 20+ insurers and financial partners — bilingual Arabic/English service in Ontario
Our services are available to anyone who resides in Ontario — whether you are a permanent resident or newcomer
Insurance services are provided through CUCULINK INC. and its licensed insurance representative(s).
What Does Health Insurance Cover?
Comprehensive coverage for your everyday and unexpected health needs
Medical Care
Family doctor, specialists, labs, imaging, and routine checkups
Dental
Cleanings, fillings, extractions, orthodontics, and gum treatment
Vision
Eye exams, prescription glasses, contact lenses, and laser surgery
Prescription Drugs
Covered prescriptions, chronic medications, and medical supplies
Our Health & Dental Insurance Partners
We work with three leading Canadian insurers — apply directly through our secure online process below
Flexible health and dental plans for individuals and families in Ontario — plus group plans for businesses with 3 to 10 enrolled lives.
Apply with Edge BenefitsComprehensive health and dental insurance from one of Canada's largest insurers — multiple options for individuals and families.
Apply with GreenShieldFlexible health and dental plans for individuals and families — comprehensive coverage with multiple options to suit different needs and budgets.
Apply with ManulifePolicy details, coverage options, and pricing are presented during the application process — no need to leave this page
Group Health & Dental Benefits for Businesses
Group benefit solutions designed for small and mid-size businesses in Ontario — starting from 3 enrolled lives
Group Plans for Small Businesses
Ideal for small businesses with 3 to 10 enrolled employees — competitive group rates covering health, dental, and vision.
Group Plans for Mid-Size Businesses
For businesses with more than 10 enrolled employees — we work with specialized carrier partners to design a comprehensive group plan that fits your size and budget.
Important — How Enrolled Lives Are Counted
In group insurance, a husband and wife who both work in the same business count as one enrolled life — not two. Please keep this in mind when determining whether your business qualifies for a group plan.
Contact us for a free consultation to find the right group plan for your business
Canadian Dental Care Plan (CDCP) vs. Group Benefits in Canada
برنامج رعاية الأسنان الكندي (CDCP) مقابل التأمين الجماعي في كندا
Strategic Decision Framework & Eligibility Guide
THE #1 RULE: ACCESS DISQUALIFIES YOU FROM CDCP
- •If you or your spouse have ACCESS to a workplace dental plan, you are 100% DISQUALIFIED from the Canadian Dental Care Plan.
- •Access is reported directly to the CRA via T4 Box 45. You cannot opt out of a work plan to claim CDCP.
- •GOOD NEWS: Workplace group benefits provide far broader, higher-value health protection anyway!
INCOME OVER $90,000
(Adjusted Family Net Income)
CDCP STATUS: 100% Excluded
THE REALITY:
Government provides $0 for dental care.
100% of medical bills come out-of-pocket.
RECOMMENDED ACTION:
- •Employees / Families: Enrol in employer group benefits immediately.
- •Self-Employed: Set up a Business Group Plan or HSA to write off medical expenses using 100% tax-deductible dollars.
INCOME UNDER $90,000
(Adjusted Family Net Income)
CDCP STATUS: Eligible ONLY if NO work plan
THE REALITY & HIDDEN COSTS:
- •$70k–$90k: Requires 40% to 60% Co-pays!
- •Dentists extra-bill above government rates.
- •$0 coverage for drugs, vision, or physio.
RECOMMENDED ACTION:
Accept Workplace Benefits: Zero co-pay surprises, provincial fee guides, and 360° health protection for the whole family.
FEATURE COMPARISON: CDCP VS. GROUP BENEFITS
| FEATURE / COVERAGE | CANADIAN DENTAL CARE PLAN (CDCP) | WORKPLACE GROUP BENEFITS |
|---|---|---|
| Income Cap | Restricted (< $90k net family income) | NO income limits / Universal |
| Prescription Drugs | NO COVERAGE ($0) | FULL coverage included |
| Vision Care | NO COVERAGE ($0) | Eyeglasses, exams, contacts |
| Paramedical & Physio | NO COVERAGE ($0) | Physio, massage, therapy, chiro |
| Co-Pay Rates (70k – 90k) | Heavy 40% – 60% Co-Pay | Standard fixed rates (0% – 20%) |
| Pricing Grid | Lower Govt Rate (Balance billing applies) | Official Provincial Dental Fee Guide |
| Life & Disability | NO COVERAGE ($0) | Life insurance & Income protection |
WHY GROUP BENEFITS WIN EVERY TIME
CDCP is a minimal safety net for basic teeth. Group benefits protect your entire body, wealth, and family. Employers turn health coverage into tax-deductible ROI while attracting top talent.
Start Your Application
Select what describes you to get started
Bank Branch Staff Cannot Legally Sell Any Insurance Product — Federal Law
Under Canadian federal regulations SOR/92-330, bank branch staff are prohibited from selling or advising on any insurance product. Learn your full rights and compare your options.
Important Insurance Information
Insurance products are subject to eligibility and underwriting requirements and to the terms, conditions, limitations and exclusions of the applicable policy or contract.
Clients should review the complete policy wording and related documents carefully before purchasing coverage for full details of benefits, limitations, exclusions and conditions.
The information provided on this page is for general educational and informational purposes only and does not constitute a contract of insurance or a guarantee of coverage.
Need Help Choosing a Plan?
Contact us for a free consultation — we'll help you find the right plan for you and your family.
Financial Needs Analysis (FNA) — Free
A comprehensive form to determine the right type, amount, and duration of coverage for your situation — print, email, or submit online.