Canadian health care coverage; facts vs. fiction

Many Canadians believe their provincial health plan will pay for everything once they are retired. In reality, as commendable as our government health care coverage is, it covers just the basics.

Benefits and services that are not fully covered under the Canada Health Act – including dental care, hearing aids, home support services, vision care, visits to registered therapists and specialists, ambulance services, and more – all have to be paid out of your own pocket.

And, while most provinces and territories provide prescription drug coverage to those ages 65 or over, those under 65 are not eligible for drug benefits unless they are in the lowest income bracket.

To compound matters, many Canadian employers are considering eliminating post-retirement benefits for most retirees to contain the soaring costs of health care benefits.

Thus, the need for supplemental health and dental coverage becomes abundantly clear – especially if you have a fixed or low income. Without it, regular out-of-pocket medical expenses could place a huge strain on your budget, lifestyle and retirement plans.

Fortunately, you can protect yourself from the high cost of health care both today and in the future. Health & Dental Insurance for CARP Members offers five cost-effective plans with varying degrees of coverage for prescription drugs, dental care, vision care, medical specialists and more.

Health & Dental Insurance for CARP Members gives you the flexibility to choose the benefits, coverage levels and co-pay amounts that will suit your individual needs. And with the CARP Card, you won’t pay upfront costs for many health care benefits.

What’s more, three of the CARP Plans; Dental Enhanced, Extended Health Care and the Three-Star Plans offer you guaranteed acceptance with no medical questionnaire, regardless of your age or health condition.

For your free Health & Dental Insurance for CARP Members information kit or no-obligation quotation, visit www.carpinsurance.ca or call toll-free: 1-877-551-5566.