Family Insurance Plans
Usually, people having families also having a great concern on ensuring their family’s healthcare. The costs of living a healthy lifestyle are increasing every day. While OHIP covers many major health costs, it doesn’t cover items like antibiotics or other prescription drugs, physiotherapy or dental care, which can grow to be major expenses if a family member becomes sick or has a condition treated by a health professional.
Extended health care plan for families is an affordable form of health insurance that helps cover the costs of health services and supplies not paid for under OHIP. Extended health insurance will give your family members everyday access to needed health care.
Family Extended Health Insurance
Dental and health insurance is a key component of any family health care insurance policy that helps you to pay for professional services that are not covered by OHIP. Most of the extended health insurance plans provide affordable coverage for unexpected health expenses and many ongoing health-related services not covered by OHIP. Depending on your drug, dental, and supplementary health needs (such as vision care, chiropractic care or emergency travel medical). Generally, an extended health insurance policy can include the following benefits:
- Prescription drugs (A prescription drug is a licensed medicine that is regulated by legislation to require a medical prescription before it can be obtained. The term is used to distinguish it from over-the-counter drugs which can be obtained without a prescription.)
- Dental care benefits may include minor restorations, gums treatment, root canal therapy, crowns, dentures and bridges, replacements when the existing appliance is five or more years old, posts, pins and denture-related surgery.
- Vision care
- Medical supplies, such as diabetic and incontinence supplies
- Transportation to and from medical appointments, and
- Assistive devices, including hearing aids.
Dental benefits are among the most important elements of extended health insurance. Without insurance protection dental care can become extremely expensive. Maintaining healthy teeth and gums is essential, especially since more and more research is showing how problems with dental health can affect our overall state of health.
Summary of extended health insurance for families
There are different extended health insurance plans to choose from. Generally, they can include but not limited to the following:
- Prescription Drugs: from 70% to up to 100% for prescriptions; from maximum of $300 to up to $250,000 per person each calendar year
- Dental care: usually – 3-month no claims waiting period; from 70% for selected routine services to up to 80% for routine dental care; from maximum $300 to up to $750 per person each calendar year for routine dental care; from no coverage for major dental services to up to 50% for major services; maximum $500 per person each calendar year; 100% dental accident treatment.
- Vision care: from no coverage to 100% to a maximum of $200 per person every 2 years for lenses and frames, contacts or laser eye surgery; $50 every 2 years for eye exams
- Ambulance: 100%
- Paramedical: From 70% to a maximum of $300 per person each calendar year for all practitioners combined to up to 90% and $500, respectively
- In-Home Nursing Benefits and Home Care: from no coverage to 100% to a maximum of $5,000 per person each calendar year
- Medical Supplies: 100%; $300 maximum per year for orthotics
- Hearing Aids: from no coverage to 100% to a maximum of $500 per person every 5 years
- Consultation services that put you in touch with the world’s best medical specialists to help with diagnosis and treatment planning
- Optional Benefits: hospital accommodation – coverage for the difference between a hospital ward and semi-private room rate; emergency travel medical insurance – coverage and assistance for travellers, 24 hours a day; accidental death and dismemberment; hospital cash – pays you cash while you’re confined to a hospital