Personal Life & Health:
Extended Health Care
An Extended Health Care Plan helps to cover the costs of care and recovery so you can focus on what matters most—getting better. Many Canadians are seeking out Extended Health Care to cover the gaps in their Provincial Health Insurance Plans and the plans offered through their employment.
Many Canadians do not have health and dental benefits:
- Contract or seasonal workers
- Retired Canadians
- Self-employed professionals
- Small business owners and employees
- Unemployed or laid off employees
Extended Health Care is also ideal for those seeking some extra coverage.
Why do I need Extended Health Care?
With health care costs adding up quickly, it’s imperative to have an affordable health care plan. You never know when these costs and unexpected medical expenses will affect you. It is a smart move to consider an individual plan if you are not fully covered through the province or through your work.
Extended Health Care is important for those who:
- Do not have coverage with a group health plan
- Are unsatisfied with the group coverage they do have
- Wish to minimize out-of-pocket expenses caused by increasing gaps in Provincial Health Insurance Plans
With an individual plan that you own, you do not have to worry about losing coverage if you change employers. Some common health care expenses (such as eye glasses, prescription drugs, ambulance services, and dental work) are not even covered by most Provincial Health Insurance Plans. With individual coverage, individuals typically pay upfront for their medical needs and reimbursements are provided for eligible expenses not covered by the insured individual’s provincial health care plan.
Extended Health Care provides affordable coverage for unexpected health expenses and ongoing health-related needs not covered by provincial plans. It’s important that you can always cover the day-to-day health expenses of you and your family, especially as your needs change throughout your life.