Paramedical Services & Your Insurance Coverage

Paramedical Services & Your Insurance Coverage

As a business owner, building a comprehensive benefits package is one of the best steps you can take to attract and retain top talent—and Paramedical coverage makes the perfect addition to any good group benefits plan. What are paramedical services, and what types of insurance include them? Let’s take a closer look so that you have all the information you need to make an informed decision for your business.

Table of Contents

What Does Paramedical Coverage Include?

Paramedical coverage provides reimbursement for treatments that provincial health plans typically don’t cover. These services aim to alleviate chronic stress, improve sleep quality, manage pain, and improve overall wellbeing.

Common examples of paramedical treatments include:

  • Occupation therapy
  • Physical therapy
  • Massage therapy
  • Chiropractic therapy
  • Physiotherapy
  • Speech therapy
  • Naturopathy


Paramedical treatments are covered under Extended Health Care benefits.

Why is Paramedical Service Coverage Important?

While paramedical services don’t offer the same clinical value as, say, oncology treatments, they are a crucial addition to any group benefits package. These services can drastically improve your employees’ overall quality of life, leading to improved performance at work.

Employees who have access to preventive and therapeutic medical services are also less likely to suffer from stress-related health conditions. That means better medical cost control and less absenteeism.

Many employees have also come to expect paramedical coverage as a standard part of any group benefit plan. Without them, you could lose both new applicants and existing employees to the competition. Providing comprehensive benefits shows your staff that you care about them, fostering loyalty and community culture.

How Much Does Paramedical Coverage Cost?

Like most forms of insurance, paramedical coverage costs vary based on how much your employees use it and what services they use, among others factors. Of course, when building a group benefits plan, you want to include services your employees will actually use and benefit from. Generally, paramedical services fall into that realm, with more claims than nearly any other coverage type. That said, Extended Healthcare Benefits don’t have to be expensive.


How to Reduce the Cost of Paramedical Coverage

There are a few ways you can help control the cost of paramedical coverage for your business. However, many can limit the benefits for your employees. Be sure to weigh the pros and cons when selecting coverage options.

Decrease the Claim Maximums

Setting Up Combined Maximums

Eliminate the Use-It-Or-Lose-It Mentality

Offer a Health Care Spending Account (HSCA)

Prioritize Value-Based Care

Find the Best Group Benefits Plan for Your Business

Are you looking for a Health Care Spending Account, Extended Health Care benefits, or group life insurance coverage for your employees? At Group Enroll, we can help you find the best possible plan at the lowest possible price.

If you’d like to explore your options, just fill out our quick quote form or send us an email at You can also contact us at 10 Great Gulf Drive, Unit 5, Vaughan, ON, L4K 5W1.