Health Insurance,
thoughtfully arranged
Supplemental health, dental, critical illness, disability, and long-term care coverage for individuals and families across Ontario. Independent advice from a 25-year veteran broker.
Health coverage protects more than your body. It protects your peace of mind.
What is health insurance?
Health insurance in Canada extends beyond what provincial plans like OHIP provide. While OHIP covers hospital stays and physician visits, it does not pay for prescription drugs outside of hospitals, dental care, vision care, physiotherapy, or many other common health expenses. Supplemental health insurance fills these gaps.
For self-employed professionals, contract workers, retirees, and those between jobs, individual health insurance provides essential coverage that employed Canadians often receive through group benefits. Beyond basic health and dental, this category includes critical illness insurance, disability insurance, long-term care insurance, and tax-advantaged Health Spending Accounts.
As an independent broker serving Toronto, the GTA, and Ontario for over 25 years, Michael Mlotek helps clients understand their options across multiple carriers. Whether you need comprehensive coverage or targeted protection for specific risks, Michael provides considered guidance without the pressure of a single-company sales agenda.
Quick Reference
Solutions for every situation
Health & Dental Insurance
Supplemental coverage for prescriptions, dental, vision, and paramedical services.
Learn MoreIICritical Illness Insurance
Lump-sum payment upon diagnosis of serious conditions like cancer, heart attack, or stroke.
Learn MoreIIIDisability Insurance
Income protection if illness or injury prevents you from working.
Learn MoreIVLong-Term Care Insurance
Coverage for home care, assisted living, and nursing facility costs.
Learn MoreVHealth Spending Account (HSA)
Tax-efficient way for self-employed and small businesses to cover health expenses.
Learn MoreIs this right for you?
Self-employed professionals
Those without employer benefits needing comprehensive health and dental coverage.
Contract and gig workers
Freelancers and contractors who need their own health coverage between assignments.
Recent retirees
Those who have lost workplace benefits and need supplemental coverage before 65.
High-income professionals
Executives and specialists who need robust disability and critical illness protection.
Small business owners
Entrepreneurs seeking tax-efficient health spending accounts for themselves and families.
Those with family health history
Individuals wanting critical illness coverage before potential health issues arise.
Why work with MM Insurance?
Independent
Multiple carriers compared, not one offered.
Experienced
25+ years, thousands of policies placed.
Plain Language
Insurance translated into clarity.
Always Available
Direct line to your advisor.
Protecting families and professionals across Ontario since 1999.
Frequently asked
Individual health insurance typically covers expenses not paid by OHIP: prescription drugs, dental care, vision care, paramedical services (massage, physiotherapy, chiropractic), hospital upgrades, and medical equipment. Coverage varies by plan — Michael helps you find one that matches your health needs.
Critical illness insurance pays a one-time lump sum upon diagnosis of a covered condition (cancer, heart attack, stroke, and 20+ others), regardless of whether you can work. Disability insurance replaces a portion of your income if you are unable to work due to illness or injury. Many people carry both for comprehensive protection.
Yes, though coverage may be modified. Some plans are guaranteed issue with no medical questions. Others may exclude specific conditions or apply waiting periods. Michael reviews your health history to find appropriate options.
An HSA is a CRA-approved benefit that allows incorporated businesses to pay for health expenses with pre-tax dollars. The business claims the expense as a tax deduction, and the employee or owner receives the benefit tax-free. It is especially valuable for self-employed professionals and small business owners.
Your ability to earn income is your most valuable asset. Disability insurance protects that income if illness or injury prevents you from working. Even with employer coverage, individual policies often provide better definitions of disability and longer benefit periods.
The ideal time to apply is typically between ages 50-65, when premiums are more affordable and health is generally good. Applying too late may result in declined coverage or exclusions. Michael helps assess whether LTC insurance fits your planning needs.
Let's discuss your health insurance options.
Reach out for a private consultation — no obligation.