Extended Healthcare
Extended Healthcare is the most commonly selected plan feature. You have the ability to customize a number of components through benefit selection, or the use of deductibles, annual maximums and coinsurance levels. Customization will allow you to design a plan that best suits your needs and your budget.
Extended Healthcare can include coverage for the following:
Prescription Drugs
Prescription drug coverage is the most utilized component of an extended healthcare benefit. In fact, prescription drugs account for almost 70% of all benefits plan claims in Canada.
Paramedical Practitioner Services
Coverage in this category can be customized but often offers an annual maximum per provider (ie. $300 or $500). Typical services include:
- Massage therapy
- Chiropractic care
- Physiotherapy
- Naturopaths
- Osteopaths
- Audiologists
- Podiatrists and chiropodists
- Acupuncture
- Licensed Speech therapy
- Licensed clinical psychologists
- Clinical Dieticians
Medical Services and Supplies
A comprehensive list of medical equipment and supplies are covered under this component of your extended healthcare benefits. Some examples include:
- Semi-private hospital room
- Private duty nursing care
- Emergency ground or air ambulance
- Hearing aids
- Diabetic supplies
- Braces, prosthetics and wheelchairs
- Orthotics and orthopaedic shoes
Out of Country Emergency Assistance (Travel Insurance)
Coverage for medical emergencies while travelling is included on most plans. Some eligible expenses include:
- Transportation
- Hospital supplies
- Physician care charges
- Prescription drugs
Vision Care
Vision care is an optional feature on most plans. Coverage is available for frames, prescription lenses and contacts, as well as laser eye surgery. Most plans include eye exams as a built in component of extended healthcare. Coverage maximums in this category typically range from $100 – $300 every 24 months.
