Determining whether you should purchase supplementary coverage when losing your workplace benefits can be difficult. That’s because everyone’s needs are different. It depends partly on what’s covered under your provincial plan and whether your spouse has coverage through their employer.
Most importantly, you need to consider the individual health needs of you and your family.
Here are some questions you should ask yourself when determining if you need supplementary coverage:
Annual Health Cost Estimate Worksheet
Use the worksheet below to estimate the anticipated annual health costs for you and your family. You can also download a copy in our Guide to Personal Health Coverage.
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Yourself |
Spouse |
Child |
Child |
Child |
Prescription drugs |
Maintenance medications |
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Vision care |
Annual eye exam |
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Paramedical |
Massage therapy |
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Acute/emergency care |
Private or semi-private hospital room |
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Medical equipment and supplies |
Hearing aids |
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Dental Care |
Routine exams and cleaning: |
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Total: |
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