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Affordable Health Insurance

Extended Health Care Plans

When choosing a supplemental health insurance plan, you will have the opportunity to choose between a basic plan and an extended plan.

Basic plans cover essential health care needs (like dental and vision care, travel insurance, and accidental death or dismemberment.)

Extended health care plans offer a greater variety of coverage over health care needs. These plans cover needs that usually aren’t insured by basic plans or government plans.

Here is an example of what may be covered in extended health care plans:

  • Lifetime maximum: $250,000
  • Chiropractor, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist: $20 maximum per visit (maximum of 20 visits per person per discipline per year)
  • Psychologist or Social worker: $80 maximum first visit, $65 for subsequent visits with a maximum of 20 per year.
  • Physiotherapist: $250 maximum per year
  • Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment: $3,000 maximum per year
  • Speech Pathologist/Therapist: $65 maximum first visit, $45 maximum subsequent visits (a coverage of 10 subsequent visits per year)
  • Accidental Dental: $2,000 maximum per year
  • Ambulance: unlimited ground transportation to hospital and $4,000 maximum for air ambulance transportation per year
  • Hearing Aid - $400 maximum for 4 consecutive years

It is important to note that this is an illustrative example—every health insurance plan is different.

Investing in an extended health care plan offers you and your family adequate protection against unforeseen illnesses. It also provides some flexibility to the individual health care needs of your family members, allowing you a greater variety of health care services to choose from.

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