What is extended health care coverage?
The purpose of EHC coverage is to supplement provincial health coverage. The most common type of EHC coverage in Canada is provided through workplace group benefits programs.
Am I Covered?
You can find out if you are covered by a workplace group benefits program by speaking to your human resources contact at work. Your group benefits program will usually issue you a Benefits Card with the name of the Insurance Company, your Plan Number and ID Number. Your plan number identifies your plan. It may be different from your coworkers’ plans, depending on the employment contract you have signed. Your ID number identifies you, and is used by the clinic and the insurance company to keep track of your benefits usage.
Our Services – What’s Covered?
The services offered at the CIHS clinic are more than likely covered by your extended health care benefits plan. To find out if you are covered, we suggest you call your extended health care benefits company and speak to a representative. Here are some important questions to ask:
- Does this plan use a calendar year?
If YES, the yearly allowance for your benefits starts on January 1st and end on December 31st of every year, regardless of whether or not you have used them in that year (they are not cumulative).
If NO, ask when your benefits start for every year. For example, you could have coverage that starts on November 1st and ends on October 31st for every year.
- Is there a deductible on this plan?
If YES, you will have to pay the deductible prior to receiving any compensation for extended health care. For example, if you have a $50 deductible for massage therapy, you need to pay the first $50 for massage therapy services you receive.
If NO, you will be fully reimbursed for the services you receive without having to pay a deductible. The amount of reimbursement is based on your specific benefits plan. For example, if you are covered for chiropractic at 80% per visit, this means that you will be reimbursed $40 for a $50 chiropractic visit. $10 for each visit is paid by you.
- Is Assignments of Benefits available?
If YES, the clinic may bill the insurance company directly for your services, with your consent.
If NO, you will have to pay for our services first and then submit statements to your insurance company to be reimbursed.
Note: This may change depending on the service/treatment rendered, make sure you ask your insurance representative for the specific service you are interested in.
- Do I need a doctor’s note?
Some insurance companies will require that you have a doctor’s note for a specific service, such as physiotherapy, massage therapy, or orthotics. In this case, visit your family physician before coming in to the clinic for treatment.
CIHS Clinic offers chiropractic, physiotherapy, registered massage therapy, acupuncture, orthotics, and compression hosiery.
For every service you are interested in, make sure you note the maximum per year and the maximum per visit.
For orthotics, insurance companies may require additional information. Please ask your insurance representative to go through all the necessary requirements needed for custom orthotics.
It’s almost fall! Many Extended Health Care Benefits Plans end on December 31st.
Call our office at 647-350-2447 for your appointment now.
We are open on evenings and weekends.