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.
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Annual Cost |
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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.
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Annual Cost |
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|
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.
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Annual Cost |
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|
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.
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Annual Cost |
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|
Dental |
Routine exams and cleaning (two annual cleanings) |
$230 |
|
Drug |
Depression medications Chronic pain medications Birth control |
$1,580 $770 |
|
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.
