Being prepared for any eventuality is a responsibility that is incumbent on all of us. However, we do not always have the necessary help or supplies, nor the institutions that could provide assistance in critical moments for our health.
It is true that many of the benefits of living in the province range from decent insurance to a favorable medical control plan for everyone. But some treatments, such as a visit to the dentist or high-cost prescription drugs, are left out of those benefits.
For this reason, in recent years a medical alternative has emerged, designed as a complementary plan to cover the shortcomings of the policy, in terms of medical assistance in the province. Said alternative is focused on solving all those unforeseen expenses that arise in medical emergencies.
As we know that you are looking for the best in health for you and your family, in Lewer we tell you the solution. We have condensed it in this article, where you will discover what an extended health care plan is, and other interesting information. Stay and find out about this benefit that will change you forever?
Without further ado, let’s get started!
Definition ofextended health care plan (EHC)
As we briefly mentioned in the introduction, the extended health care plan is a medical alternative designed as a supplementary plan. With this, it is intended to cover some gaps or unforeseen expenses that many policies do not cover.
In other words, it is a group insurance benefit. Therefore, it is designed to complement and solve all provincial health care plans. It is also intended to be a benefit for those who need more coverage for expenses not normally covered by the province.
What does the extended health care plan cover?
One thing to keep in mind is that EHC benefits vary based on the insurer. In short, depending on who provides the services, so will be the benefits you will get. However, usually an EHC plan covers the following:
- Specialty vision care.
- Emergency dental appointments.
- Hospital lodging expenses (semi-private hospital room reimbursement).
- Plans may also cover spouses and other eligible dependents.
- Prescription drugs (a direct pay drug card is provided).
- Paramedical professionals.
- Overseas emergency travel insurance (out-of-province and out-of-country emergency medical services).
- Paramedical services (such as massage therapy, chiropractor, naturopathic services, physiotherapy, acupuncture and many more).
- Chiropractic recovery therapy.
- Massage treatments.
The above list will not always be the same in all cases. Depending on the insurer and the client’s needs, this will determine the items and coverage you are looking for in an EHC.
Extended health care plan features
To make the concept a little clearer, it is essential that we go deeper into the characteristics of the extended health care plan.
It is a flexible plan
The extended health care plan is very flexible, that is to say, taking into account that each person has different medical needs, payment plans are designed according to those needs. You only pay for the coverage you receive, no more and no less.
It adapts to your needs
In the same way, this plan adapts from province to province, knowing that individual needs vary along with the contexts in which people develop. This allows you to obtain a more personalized attention according to the emergencies that may arise, regardless of your place of residence.
Payment methods are simple
In addition, the payment methods are very flexible and according to what you are looking for. Therefore, those who offer such service accept all types of credit or debit cards, to speed up the purchasing process. This means that you will not have to worry about the payment methods you use.
Easy purchase process
Finally, many insurers delegate specialists to inform the client of all the benefits that the extended health care plan allows. With their help, the procedure of acquiring the service will be easier and much more beneficial for you.
Other considerations of the extended health care plan
As mentioned above, the extended health care plan is a complementary medical maneuver that seeks to meet all the shortcomings of the medical assistance policy. Therefore, in order for you to be able to apply for this coverage, you must have your provincial health insurance active.
In the same way, it should be very clear that many companies offer a benefit plan to their employees. That said, such organizations should consider the possibility of contracting the services of the extended health care plan, in order to remain competitive and retain the best talent.
It should be noted that not all Canadians are covered by a company’s health care plan, especially those of foreign origin. Therefore, by contracting the extended health care plan, you are also helping a vulnerable population and avoiding a huge medical bill.
On the other hand, it is true that the province offers great benefits in favor of human value; but in case of any eventuality, it is essential to have a backup plan. Hence the importance of always looking for a solution to take care of us in unexpected situations, which is why the extended health care plan is so important.
How to contract an extended health care plan?
Now that you know more about what an extended health care plan is, what are you waiting for to contact us? We are Lewer, experts who work as a Third-Party Administrator (TPA) and as a Third-Party Payor (TPP), completely at your disposal.
With more than 40 years of experience and professionalism as an intermediary between employees and companies, we have a wide variety of highly trained experts. Our professionals will help you manage comprehensive and affordable benefit plans, as well as innovative products and solutions.
In this way, you will achieve all your goals and, consequently, improve your life. We are known for our ability to tailor our services to our clients’ needs. This is why you can find us at 3131 boul. Saint-Martin Ouest, bureau 410 Laval, QC, H7T 2Z5.
We also invite you to write to us at [email protected] or call us at 800-667-2865. If you have any questions about an extended health care plan, do not hesitate to contact us, we are here to serve you.