When buying a health insurance plan, buy one that works for you. Often times though, insurance can be confusing. So we’ve decided to break it down for you.
In Canada, basic health care is covered by provincial plans, though provincial plans, like OHIP for instance. This covers your visits to the doctors, specialists, hospital acute care, diagnostic services (x-rays, blood tests), etc. Services you may need outside this core protection is paid out of pocket, or can be shared through having an extended health care pan. For some people, they are provided coverage for an extended health plan through work, for others who are not covered through work, when an expense does arise; they are responsible to pay out of pocket.
For those individuals, having an extended health plan can pay the following (coverage differs based on plan and price):
- Dental Care (cleanings, fillings, extractions, etc.)
- Hospital Accommodation (semi-private and private rooms)
- Medical Equipment (casts, crutches, wheelchairs, etc.)
- Prescription Drugs (medication prescribed by doctors)
- Private Duty Nursing (home care nurse, special nursing needs)
- Registered Therapists and Health Practitioners (physiotherapy, chiropractic services, orthotics etc.)
- Vision Care (eye exams, glasses, contacts)
When you purchase a plan, you are protected for these services (depending on your plan coverage). Looking at this list, it becomes clearer that extended health care really covers a lot of things that are needed to maintain a healthy lifestyle. When you purchase a plan, you pay a premium that offers you this protection in the event that it is required. Your medical providers will them submit those claims on your behalf, and will cover these expenses. It’s always good to choose a plan that offers you the greatest protection of services you may need. Speaking to an insurance agent will help you figure out which plan works for you, and make it work for you.
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