Extended Health Coverage - You're Already Paying For It...

Take care of yourself!
Painting by: Wayne Thiebaud

Fortunate we Canadians are to have universal healthcare but blessed are those who can afford complimentary therapies for preventative care. You may have an extended health care plan to help you cover the expenses for dental, prescriptions, chiropractic, physio, acupuncture, massage therapy, et cetra. If this plan is available to you through your employer then you are likely making a contribution to it in the from of a deduction from your pay. 

That's right, folks, you are already paying for your extended healthcare plan. Your employer has arranged for this so their employees are happy and healthy. Don't waste your hard earned money, put it to use in the form of self care.

How to use your plan:

If you have no idea what your plan covers or how to claim for the services you've received, give your insurance provider a call. Every provider is a bit different. Often plans cover a certain number of treatments or a dollar amount to use toward treatment per year. When I say 'cover' I mean that you will be re-reimbursed by the insurance company when you prove to them that you received and paid for treatment. This is why the receipt I issue to you is so important; it's like money in your pocket (or at least an IOU) so don't lose it! You'll likely be required to submit your receipts once or twice a year in order to receive the re-reimbursement.

It's already more than halfway through the year!

It's always notoriously busy in the clinic through December, with our clients scrambling to use up their benefits before year end. Why not figure out how much yearly coverage you have, which modalities are covered by your plan, and then book a series of appointments spanning through the year? I know, it sounds very adult and responsible, doesn't it?

If you are looking to maximize your plan, the practitioners at Oceanside Wellness Centre can work together to formulate a treatment plan that will promote your overall well-being while putting your benefits to full use. For example: If your plan covers five each of chiro, acupuncture, and massage treatments per year, you could be receiving some form of therapy every three weeks. We are big fans of prevention and would much rather help you steer clear of injury than have to help you recover from one. It's just no fun seeing people in pain. Plus the benefits you will experience by receiving regular treatment are too many to name!

Some other great reasons to use up your plan:

• If you don't use it, you'll lose it. If employees don't use the plan, it may be scaled back or removed. Yikes!
• Be a leader. Show your employer and colleagues that your health is important to you by making self-care a priority. You will find that the little bit of effort to get into the clinic will be worth the outcomes.
• Support local small business. If not for yourself, then do it for your local private practitioner who is building their business in your area.

From someone who doesn't have any extended health insurance and pays out of pocket for treatments for all members of my family, please don't take for granted the services you have access to.

I look forward to seeing you in the clinic before December!
Dana