Self-employed, between jobs, or working for an employer without a plan: supplementary health insurance is not always automatic. Describe your situation; an authorized person explains the next steps.
What the public plan covers and does not cover
The RAMQ covers part of your care. Other costs (depending on the case: medication, dental care, vision care) may remain yours to pay; check directly with the RAMQ.
Who is concerned
People with no employer plan, or who are leaving one. Some group coverage can be converted to individual coverage within a set period, which is why starting early matters.
What is compared
Eligible expenses, limits, waiting periods, and how the contract can change over time.
The role of the authorized person
They explain the options and their limits; they do not replace reading the contract.
Frequently asked questions
Can I keep my coverage if I leave my job?
Some plans allow a conversion within a limited period. Check with your plan administrator and ask the authorized person.
Is there a waiting period before I am covered?
It depends on the contract; you are told before any decision.
Is the request free?
Yes, and without obligation.