Canada Health Insurance

Enhanced health insurance plans are beneficial because they offer a greater percentage of coverage over basic health care needs. Many enhanced plans also cover a greater range of dental, vision, prescription, and accidental health care.

Most enhanced health insurance plans will cover anywhere from 60% to 90% of your health care fees. This, of course, is dependent on the supplemental health insurance company you choose, and the annual amount that you contribute to it.

Once again, the following list is not a reflection of all plans offering health insurance—details may vary for individual companies.

Dental

• Dental coverage is for fillings, cleanings, scalings, examinations, polishing and certain extractions
• Recall visits about every 6 months
• Covers oral surgery, periodontics, root canals, orthodontics, crowns, bridges, and dentures.
• Coverage is designed to concur with your current provincial Dental Association Fee Guide for General Practitioners.

Vision

• Offers coverage for the cost of prescription lenses, frames, contact lenses and laser eye surgery
• Contributes towards cost of optometrist fees
• Eyeglasses are covered against breakage and scratches

Extended Health Care
Extended health care plans usually offer an average $100,000 lifetime coverage maximum.

The following is a list of what most enhanced supplemental health insurance plans will cover:

• Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist, Physiotherapist
• Psychologist or approved social worker
• Homecare and nursing, prosthetic appliances, durable medical equipment
• Speech pathologist/therapist
• Accidental dental
• Unlimited ground transportation to hospital by ambulance and partial coverage for air ambulance transportation
• Hearing aid

Travel

• Offers an average of $1 million emergency health coverage for trips lasting a maximum of 8 to 10 days

Accidental Death and Dismemberment

• Adult under 65: up to $25,000 for accidental death or dismemberment
• Adult over 65 or a child: up to $10,000 for accidental death or dismemberment