Extended Health Care Benefits

Includes drug coverage, hospital coverage, paramedical services, medical supplies & equipment, out of province coverage, other group related benefits.

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An Extension to your Group Health Insurance

We are always looking for ways to do more in life, where it is at home with our families or whole at work. The same can be said about group benefits plans. While the coverage provided by these plans is usually adequate, there are instances where more is required.

Adding extended health care benefits to group benefits packages provides coverage for services or treatments not often covered by government health plans. Best of all, the benefits are very flexible and can be customized to fit the needs of your business and staff while staying within your budget.

What is Extended Health Care Benefits?

Extended Health Care Benefits or simply ‘Extended Health Benefits’ also others referred to as ‘Major Medical Benefits’, are often included in group health insurance coverage that designed to provide compensation for medical services and treatments not covered by traditional provincial health care plans.

Why should I get Extended Health Care Benefits for my employees?

As previously mentioned, government-issues health plans are often limited in their coverage. The parameters indicated by your group benefits may provide your employees access to some services or coverage, but not others. As a result, some employees may choose not to opt into the benefits plans because the coverage provided may be insufficient. Some may even choose to pay out-of-pocket for supplemental coverage.

With this plan, you can help your employees avoid having to pay for additional health insurance by providing them with the coverage they need upfront.

What does Extended Health Benefits cover for group?

There are several services covered by these benefits, including:

Prescription Drugs

This type of health service provides coverage for eligible prescription drugs. Some drugs may require prior authorization from the insurance provider. Most plans include a pay direct drug option where each insured employee will have a drug insurance card they can present to pharmacies when purchasing prescription drugs. This process helps to improve the efficiency of claim submission.

The maximum annual coverage amount for this benefit can be $3,000, $5,000, $10,000 or unlimited.

Paramedical Services

This type of health service provides coverage for services offered by various paramedical practitioners. These include:

  • Acupuncturists
  • Audiologists
  • Chiropractors
  • Chiropodists
  • Dieticians
  • Naturopaths
  • Osteopaths
  • Physiotherapists
  • Podiatrists
  • Psychologists
  • Speech therapists

The maximum annual coverage amount for this benefit ranges between $200 and $1,000 per specialist.

Medical Supplies and Services

This type of health service provides coverage for the rental and/or purchase of medical equipment required for the treatment of certain illnesses or injuries. The list of covered items includes, but is not limited to:

  • Canes
  • Crutches
  • Hearing aids
  • Hospital beds
  • Insulin syringes
  • Kidney dialysis equipment
  • Orthopedic shoes and orthotics
  • Oxygen and oxygen supplies
  • Prostheses and braces for arms, legs, neck and back
  • Support hose and compression socks and stockings

The maximum annual coverage amount for these benefits vary, as they may have their separate maximums or combined maximums. This also depends on the insurance provider.

Vision Coverage

This type of health service provides coverage for eligible vision care claims. This includes:

  • Eye exams
  • Prescription glasses
  • Contact lenses

The maximum annual coverage amount for this benefit ranges between $100 and $350 per employee.

Hospital Coverage

This type of health service provides coverage for eligible private and semi-private hospital rooms.

Out-of-province emergency medical services

This type of health service provides coverage for out-of-province emergency medical expenses, generally for 30-90 days of continuous travel. The amount of continuous travel days varies from one insurance provider to the next.

Other health care benefits

This type of health service provides coverage for other emergency medical expenses, including:

  • Ambulance transport services
  • Accidental dental (coverage maximum ranges from $2,000 to $5,000 annually)
  • Private duty nursing (coverage maximum ranges from $5,000 to $25,000 annually)

Where can I get these plans?

Group Extended Health Care Benefits can be purchased from most licensed insurance brokers like us. You can get a FREE quote today to compare packages and rates from different group benefits providers by clicking the “Get a Quote” button above.

Our Reviews

Excellent5.0 ★★★★★ George has been wonderful walking us through all the information and helping us complete the application.Miss. LizMiss. Liz ★★★★★ Exceptional service. Excellent attention to the details, Definitely, insurance made easy. Excellent explanatory brochures and emails. Really made it easy. Not the lowest price but the best value for our company and employees.Ed RomanowskiEd Romanowski ★★★★★ Very pleased with the service received. In particular, the professionalism of staff and seamless process it took to have staff benefits sorted. Thank you!Kikoo NdhlovuKikoo Ndhlovu ★★★★★ An absolute pleasure to work with, very helpful and patient.answered all questions without hesitation,Highly recommended !!joann rabyjoann raby ★★★★★ Smooth easy sign up, courteous professional service. The process was quick, the representative was knowledgeable. Overall, I would recommend this service as I have no complaints.Paul BeattiePaul Beattie ★★★★★ Made the whole process of signing up a new company a breeze! Very knowledgeable and professional!Rodney CharltonRodney Charlton ★★★★★ They are very easy to deal with and they communicate very professionally.Lou BrattyLou Bratty ★★★★★ Knowledgeable and helpful.Ian SmithIan Smith ★★★★★ Easy to set up. George who helped me set up the insurance for our group and punctual and knowledgeable. Great prices too! Highly recommend this place for your insurance!YoonseYoonse ★★★★★ Customer service is awesome. The entire process was made very simple.Jennifer RJennifer R ★★★★★ George was quick, straightforward with all options layed out easy to understandDavid BrowneDavid Browne ★★★★★ Very happy with the service and the professional experience!Arash AminArash Amin ★★★★★ We had great customer service from our representative. George walked us through the entire process and answered all our questions.John McGrathJohn McGrath ★★★★★ I just contracted contracted the health insurance services with GroupEnroll for my company and they were amazing! Clear, fast, excellent guidance about services and prices. Very satisfied.Gisele BrazGisele Braz ★★★★★ Had a great experience and was well serve by George Solomonov.Jason LowryJason Lowry ★★★★★ I recently just got group insurance through Alliance Income and it was a vey smooth , simple , straight forward process. I would 10/10 recommend to anyone looking for insurance plans. They went above and beyond sending multiple different plans that suited our needs. Very impressed.S.K.R maintenance LTDS.K.R maintenance LTD ★★★★★ I’m very happy with how quickly I was given options for my company and how easy it was to set up our company benefit plan.Reasonable pricing for product/service provided.Robin AllenRobin Allen ★★★★★ This company is very helpful and reasonable with there quotes.The agent I had help me pick the best packages for my company and was very knowledgeable on the offers.Highly recommend this companyDaniel Joseph RichieDaniel Joseph Richie ★★★★★ GroupEnroll helped me and my family get fantastic group benefits for my small business.Ken WatsonKen Watson ★★★★★ Very impressed with the knowledge and guidance our company received regarding new health benefit packages for our employees. So glad we chose them, I can confidently say we are in good hands.BELL ELECTRICBELL ELECTRIC ★★★★★ nicely explained and keep up the good workAliments KitchenAliments Kitchen ★★★★★ Had the best and easiest experience possible. Our Company was looking for Group Benefits and Googled this service and was impressed by GroupEnroll brief description as a viable company to quote for group insurance. They reached out to me within a day and their professionalism impressed me. They clearly understood what I was looking for, asked relavant appropriate questions and then followed up with 3 quotes. Rates were very reasonable. My experience from start to finish with this company was excellent. Highly recommend contacting them for a quote.Tim IvanyshynTim Ivanyshyn ★★★★★ this company made it easy to choose the best plan for our company, no pushing and shovingHobo Camper Country ltdHobo Camper Country ltd ★★★★★ excellent service from George Solomonov, got me all enrolled and set up very efficiently and was very helpful when it came to me fully understanding the group benefits plans !Chantal SharronChantal Sharronjs_loader