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What will my out-of-pocket costs be?

What will my out-of-pocket health care costs be?

If you’re no longer covered by a workplace health benefits plan, your out-of-pocket heath care costs will depend on numerous factors, such as where you live, how many dependents you have and your individual health needs. The profiles below may help illustrate what your annual costs may look like.*


Roger Retiree

Roger is a new 60-year old retiree and no longer has coverage under his employer’s benefits plan. His wife, Joyce, doesn’t have coverage either. Roger has high blood pressure and high cholesterol, and Joyce was recently diagnosed with diabetes.

 

 

Annual Cost

Dental

Routine exams and cleaning for Roger and Joyce (two annual cleanings each)

Bridge for Joyce

Replacement filling for Roger

$460

$3,000

$225

Drug

Blood pressure and cholesterol medications for Roger

Diabetes medications and test strips for Joyce

$510

$3,600

Paramedical

Monthly Chiropractor appointments for Roger’s bad back

$1,260

Vision care

Annual eye exams for Rogers and Joyce

Reading glasses for Roger

Contact lenses for Joyce

$240

$300

$600

Total:

 

$10,195

 

Patricia Parent

Patricia is a single mom with three kids. Her oldest son, Kyle, is asthmatic and suffers from eczema. But he recently turned 25 and is no longer eligible for coverage under her plan.

   

Annual Cost

Dental

Routine exams and cleaning (two annual cleanings)

$230

Drug

Prescription ointment for eczema

Asthma medications

$750

$1,230

Paramedical

Three months of physiotherapy for soccer injury

$960

Vision care

Annual eye exam

Glasses

$120

$600

Total:

 

$3,890

 

Troy Transition

Troy was recently laid off and wants to go to school part-time to improve his job prospects. He has two daughters. His older daughter, Chelsey, has a peanut allergy. His youngest, Hailey has ADHD. His wife has psoriasis and doesn’t have coverage through her employer.

   

Annual Cost

Dental

Routine exams and cleaning for the family (two annual cleanings each)

Filling for Hailey

$920

$225

Drug

Epipens for Chelsey’s peanut allergy

ADHD medication for Hailey

Psoriasis medication for Troy’s wife

$460

$1,750

$22,000

Paramedical

Four months of physiotherapy for Troy’s tennis elbow

$1,280

Vision care

Annual eye exams for the family

Glasses for Chelsey

Contact lenses for Troy’s wife

$480

$600

$600

Total:

 

$30,115

 

Ellie Entrepreneur

After 10 years with a large firm, Ellie is starting her own business and no longer has coverage through her employer. She has battled depression and pain for years, but is managing it well with medication and therapy.

   

Annual Cost

Dental

Routine exams and cleaning (two annual cleanings)

$230

Drug

Depression medications

Chronic pain medications

Birth control

$1,580

$770
$270

Paramedical

Bi-weekly massage therapy

$1,560

Vision care

Annual eye exam

Contact lenses

$120

$600

Total:

 

$5,130

 

* Please note that these profiles are provided for illustration purposes only. Actual costs will depend on your province of residence and the medical and health requirements of each person. It should also be noted that some of the illustrated expenses are not be covered under the Coverage2go plan and maximum coverage amounts are limited under the Coverage2go plan.  

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