Extended Healthcare

As the name suggests this is an extension to the Healthcare benefits covered by the government. Another name for this kind of insurance is Health and Dental Plans. Some people have these benefits covered from their job. If you don’t have this cover from your work or if you are self employed you are always worried about day to day medical expenditure that you have spend from your pocket.

Examples of such expenditure are prescription drugs, eye glasses, dental care, physiotherapist, massage therapist, chiropractor, orthotics, psychologist, etc.

You could buy a plan for yourself and your family which takes care of these expenses. These plans come with a cost which gets incorporated in your monthly budget and evenly spread throughout the year. Some things such as dental care including regular check-ups and cleaning minimize the chances of things going too bad. If you do not have a plan that covers this, you usually postpone meeting a dentist till a tiny cavity has reached the stage of a root canal.

Some companies offer plans that are pre-packaged and others offer plans that could be tailor made according to you needs. The cost of the plan depends upon the benefits and the deductibles that you choose. Usually personal extended-healthcare plans do not cover pre-existing medical conditions which are covered by Group plans.