Extended Health Care
Extended Health Care benefits, also referred to as major medical benefits, are designed to supplement existing provincial hospital and medical insurance plans.
The benefit provides for reimbursement of expenses and services not covered by existing government plans.
Extended Health Care benefits can be divided into several categories which include:
- Hospital coverage
- Drug coverage
- Medical supplies and equipment
- Paramedical services
- Out-of-province coverage
- Other health care benefits
The plan may include a deductible and/or a coinsurance factor (e.g. 75% reimbursement for prescription drugs), and maximums (e.g. $500 per calendar year for chiropractor).
Vision care is not a fairly common feature of many benefit plans. This optional benefit provides coverage for eye examinations, eyeglasses, contact lenses and laser eye surgery, whereas safety glasses and prescription sunglasses are generally excluded. Vision care can be included in most benefit plans just by inquiring through your benefits broker.