Extended Health Care (EHC) benefits help cover the high cost of medical services and treatments not covered by your provincial health care plan. You decide how much to cover for each type of benefit (e.g. prescription drugs, vision care, major medical, paramedical etc.) by choosing the maximums, level of coinsurance, and combination of eligible services. All of our EHC plans include a convenient pay-direct drug card as well as emergency out-of-province/county protection.
Extended Health Care insurance (EHC)
Key features and benefits
Coverage usually includes the following:
- Prescription Drugs
- Hospital Accommodations
- Prescription eyeglasses or contact lenses
- Massage Therapist
- Hearing aids
- Ambulance Services
- Private Duty Nursing
- Medical items that are medically necessary to assist with mobility, or to help correct a
medical condition such as crutches, hearing aids etc.
More and more, provincial plans are removing services available under the government health plan;
this can lead to significant out-of-pocket expenses.
On average these services can be very expensive:
- Ambulance services — $200 to $800+
- Chiropractor — up to $75 per visit
- Podiatrist — up to $50 per visit
- Private duty nursing care — A Registered Nurse (FN) can cost up to $75 per hour
- Psychologist — up to $150 per hour
- Wheelchairs — Rental is $50 to $200/month, purchasing can cost $1,000 to $2,000
Online Benefits Portal
All of your benefits coverage and enrolment information are in one convenient place. Get the most out of your benefits plan with the Access Benecaid portal for administrators and employees.
Proven Service Model
Benefit administration and compliance can be a significant challenge for companies of all sizes. Benecaid’s experience allows us to anticipate and deliver on the unique needs of each client. We handle all claims administration for you. Our experienced in-house Customer Care team are available to answer your employees’ benefit questions, either through our convenient toll-free telephone service or via email. We also assign you a dedicated Account Manager who works with your Plan Administrator for onboarding, plan management and administration.
Controlling Plan Costs
Benecaid works hard to ensure you get the most out of your benefits program fro the least cost. by preventing claims abuse, fraud and managing the impact of high-cost specialty drugs. We perform random audits of our claims to ensure they are being adjudicated appropriately and in accordance with the terms of our contracts. We also audit pharmacy, dental, hospital and ambulance claims, to ensure they are being billed appropriately and in accordance with the billing agreements and the provincial legislation.
Specialty drugs are starting to have a significant impact on the sustainability of group plans and the availability of drugs to employees. Benecaid has a robust approach to formulary management, with different solutions that can be implemented individually or in combination. These solutions are aimed to benefit both the plan sponsor and the employees.
Our Extended Health Care benefits package will help you cover the high costs of medical services and treatments. We can work with you to create a customized package that works for your business and your team. Contact your Advisor or give us a call at 1-877-797-7448 to request a quote.