Private Health Care Plans
Private health care plans - cost may exceed benefits.
Private health care plans (extended health benefits) may not be financially worthwhile. Your basic health care is covered by your provincial medical insurance. Some provinces also cover a portion of prescription drugs.
If you are considering a private health care plan, ask the following questions:
- is there an annual maximum coverage?
- is there a lifetime maximum coverage?
- are pre-existing medical conditions covered?
- are all prescriptions covered, or are some not eligible?
- are all dental procedures covered?
- are out-of-province costs covered?
If you are leaving your job and wish to keep the same health care plan, it may be possible to continue coverage without a lapse by paying the premiums yourself. If you have a lapse in coverage, you may not be covered for "pre-existing conditions". For example, if you are diabetic, any costs related to this disease may not be covered by your plan.
For links to information on provincial health and drug plans for seniors and others, see our Government Benefits, Programs and Services page.
Remember: Know the terms and conditions of a private health care plan before enrolling or changing your plan.