As Canadians, we’re fortunate to have access to a public healthcare system. We hear these horror stories of people getting 4, 5 and even 6 figure medical bills in the US, dismissing that poor health can cost us our livelihood, even here in Ontario. We have good critical care but chronic illness is treated as an afterthought. Unless your condition is acute, degenerative or deadly, you have to push for public resources to engage healing. You need a referral for diagnostic tests or specialists and waiting in queues can be long.
Having a proper health benefits plan is a game changer in managing your health because it removes the main reason to delay treatment. It’s expensive to pay for medical specialists and diagnostics out of pocket. They’re not a fun expense either. I call it defensive spending because it’s to maintain your quality of life rather than improving it. If it’s the other way around then you’re likely waiting too long to deal with health issues. Kind of like a gym pass, the psychological effect of paying for preventative health services in a health plan will push you to use them which inevitably makes you healthier. People with health benefits are healthier.
Get a Health Benefits Plan Quote
In looking at health benefit plans; you want to get as much as you can for the money. To do that, you should get a plan before you need it. Health plans are way more accessible when you don’t have existing health conditions and medications that need to be covered. If you already have an issue to deal with you can still save money with a health plan but you have to choose the right one. Blue Cross health benefit plans come with a discount program called the Blue Advantage. Using a discount program is the easiest way to reduce your health spending if you’re already dealing with health issues. Blue Cross is the only insurance company offering an extensive discount program with their health benefit plans making them an ideal option.
With Blue Cross, Blue Advantage offers discounts up to 60% on lenses and frames for vision care related spending. If you choose one of their dental hygenist partners, you can access a 20% discount which can be used on top of the dental benefit you have purchased on your Blue Cross plan. Because all discounts can be used on top of existing benefits that the plan provides, the depth of savings is higher than any other plan. You just have to be flexible. There are also discounts at gyms, for physiotherapy, acupuncture, chiropractic care, spinal decompression, nutritional counseling, smoking cessation programs, senior services and a multitude of medical devices. There are more discounts than I can reasonably list.
If you already have a health issue, the Express Plan by Blue Cross will offer you a higher level of coverage for the cost than counterparts because of the Blue Advantage discount program that comes as part of the plan. Not only can the discounts be used for existing medical issues but the coverage can too (with minor exceptions). By stacking Bluecross Express Plan coverage and BlueAdvantage discounts, you can save money on health expenses over the short and long term.
Being proactive in the process of healing is the key to good health. You need to understand your ailments and have the resources to harmonize your health before issues turn into real problems. While awaiting the next OHIP covered step in your healing plan, you should educate yourself by meeting with alternative specialists. See a naturopath, speak with an osteopath, try acupuncture, speak with a psychologist, see a dietician, dive into meditation, try massage therapy, aromatherapy or lose yourself in the jungle. It’s surprising what stress can do and one person won’t have all the answers.
Remove the biggest barrier (which is money) today by getting a quote for a health benefits plan.