If you have extended health benefits, you may be wondering what they cover and how you can make the most of them. Extended health benefits can help you pay for health-related expenses that aren’t covered by your provincial or territorial health plan. In this article, we’ll explore what extended health benefits are, the different types of benefits available, and how to navigate and maximize your coverage.
What are extended health benefits?
Extended health benefits are additional health care services and supplies that are covered by private insurance plans or employee benefits plans. These benefits can include prescription drugs, paramedical services (such as physiotherapy or massage therapy), vision care, dental care, and more. Extended health benefits are designed to supplement your provincial or territorial health plan, which may not cover certain types of services or supplies.
Types of extended health benefits
The types of extended health benefits available to you will depend on your insurance or employee benefits plan. Some common types of benefits include:
- Prescription drug coverage: This benefit helps cover the cost of prescription medications that are not covered by your provincial or territorial health plan.
- Paramedical services: These benefits cover services provided by healthcare professionals such as physiotherapists, massage therapists, chiropractors, and more.
- Vision care: This benefit covers the cost of eye exams, glasses, contact lenses, and other vision-related expenses.
- Dental care: This benefit covers the cost of routine dental check-ups, cleanings, and other dental treatments.
How to navigate and maximize extended health benefits
To make the most of your extended health benefits, it’s important to understand what is covered and what is not. Start by reviewing your insurance or employee benefits plan to see what benefits are included and what the coverage limits are. You can also speak with your insurance provider or benefits administrator to get more information.
Once you know what your benefits cover, you can take steps to maximize your coverage. For example, if you have coverage for paramedical services, you can book regular appointments with a massage therapist or physiotherapist to help prevent injuries and maintain your health. You can also take advantage of preventative care services, such as routine dental check-ups, to avoid more costly treatments down the road.
Common misconceptions about extended health benefits
There are several common misconceptions about extended health benefits that can lead to confusion and missed opportunities for coverage. One of the biggest misconceptions is that all services and supplies are covered under extended health benefits. In reality, coverage varies depending on your plan and the services or supplies being sought.
Another misconception is that extended health benefits are only for those with pre-existing conditions or ongoing health issues. While these benefits can certainly help those with chronic conditions, they can also be useful for individuals who are generally healthy and looking to maintain their well-being.
In conclusion, understanding your extended health benefits can help you make informed decisions about your health care and save you money in the long run. Take the time to review your benefits plan, explore your coverage options, and make the most of the services and supplies available to you.