Health and Dental Insurance Benefits
Private health and dental benefits offer several advantages. Firstly, they provide additional coverage beyond what is offered by the public healthcare system, including coverage for prescription drugs, paramedical services, dental care, and vision care, among others. This supplementary coverage can help individuals and families manage out-of-pocket expenses for healthcare services not covered by the public healthcare system.
Secondly, private benefits often offer greater flexibility and choice, allowing individuals to customize their coverage to suit their specific needs and preferences. Moreover, having private benefits can offer financial protection against unexpected medical and dental expenses, providing peace of mind and security for individuals and their families.
Prescription Medication Coverage
Prescription medication coverage typically covers a range of prescription medications. Deductibles and copayments limits may apply.
Dental Care Coverage
Private dental care insurance coverage may include routine dental exams, cleanings, fillings, and other preventive and restorative procedures. Deductibles and copayments limits may apply.
Examples of Paramedical Coverages
Acupuncture:
- Traditional Chinese medicine practice involving the insertion of thin needles into specific points on the body to relieve pain and promote healing.
Aromatherapy:
- Therapy that uses essential oils extracted from plants to promote physical, emotional, and psychological well-being through inhalation or topical application.
Art Therapy:
- Therapy that uses artistic expression to explore emotions, improve self-awareness, and promote mental well-being.
Chiropractic Care:
- Manipulative therapy focused on the diagnosis and treatment of mechanical disorders of the musculoskeletal system, particularly the spine.
Dietitian/Nutritionist Services:
- Nutrition counseling and education provided by registered dietitians or nutritionists to promote healthy eating habits and manage medical conditions through diet.
Geriatric Services:
- Services tailored to the needs of older adults, including assessment, care coordination, and support for aging-related issues.
Hypnotherapy:
- Therapy that uses hypnosis techniques to induce a state of deep relaxation and focused attention to address various issues such as anxiety, phobias, or smoking cessation.
Music Therapy:
- Therapy that uses music to address physical, emotional, cognitive, and social needs, often as part of rehabilitation or mental health treatment.
Naturopathic Medicine:
- Holistic healthcare focusing on natural remedies and therapies to promote healing and prevent illness.
Occupational Therapy:
- Treatment aimed at helping individuals develop, recover, or maintain the skills needed for daily living and work-related tasks.
Optometry/Ophthalmology:
- Eye care services including vision testing, prescription eyewear, and treatment for eye diseases and conditions.
Orthotics:
- Custom-made devices designed to support or correct musculoskeletal abnormalities, typically prescribed by podiatrists, orthopedic surgeons, or chiropractors.
Osteopathy:
- Manual therapy focused on the diagnosis and treatment of musculoskeletal conditions, using techniques such as stretching, manipulation, and massage.
Physiotherapy:
- Treatment focused on restoring, maintaining, and maximizing physical strength, function, and movement following injury, surgery, or illness.
Podiatry/Chiropody:
- Diagnosis, treatment, and prevention of conditions affecting the feet and lower limbs.
Psychological Services:
- Counseling, therapy, and other mental health services provided by psychologists, psychotherapists, or social workers to address emotional and psychological issues.
Reflexology:
- Therapy that involves applying pressure to specific points on the hands, feet, or ears to promote relaxation, reduce stress, and improve overall health and well-being.
Registered Massage Therapy:
- Therapeutic manipulation of soft tissues to relieve muscle tension, improve circulation, and promote relaxation and well-being.
Speech-Language Therapy:
- Assessment and treatment of speech, language, communication, and swallowing disorders.
Telehealth Services:
- Remote healthcare services including virtual consultations, monitoring, and remote diagnosis and treatment.