As Canadians, we’re pretty lucky. We have access to one of the best healthcare systems in the world, allowing us to go to the doctor whenever we’re ill without worrying about the expense. However, beyond medical appointments and other basic healthcare needs, there are many things aren’t covered by our universal healthcare.
What does universal healthcare not cover?
Dental care isn’t covered under universal healthcare, and dental bills can be quite pricy, with dental visits often costing hundreds of dollars. A supplementary health insurance policy can help cover routine dental exams, x-rays, cleanings, extractions and fillings.
Medications, especially those that need to be refilled regularly, can be quite expensive without coverage. With drug coverage, many prescription drugs are very affordable.
Wheelchairs and other medical supplies and appliances can cost thousands of dollars without additional coverage.
Supplemental health insurance can help pay for optometry appointments as well as glasses or contacts.
For certain conditions or injuries, your doctor may recommend you see another healthcare professional like a physiotherapist or osteopath. Their services are often partially covered under a supplemental healthcare insurance plan.
With access to fairly comprehensive healthcare here in Canada, many of us don’t think about the possible expenses of getting sick or injured while travelling. If the worst happens, your provincial insurance may not cover your bills – even something as simple as few nights in hospital with doctor fees and diagnostic charges in the USA can equal tens of thousands of dollars. If you do have travel insurance included in your supplemental healthcare plan, be sure to carry all information relevant to your policy, such as your policy number, while you travel.
Do you need extra health insurance?
Of course, no one plans on getting sick or injured. But extra expenses like those above as well as ambulance services or specialized nursing services can really add up – especially if your illness prevents you from working. Beyond helping with medical bills, additional health insurance can supplement your income if you become severely ill or injured.
Peace of mind is priceless – talk your MacLeod Lorway broker today for health insurance tailored to you.