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Originally Posted by lady_express_44
Do you pay for a private plan, Harry? Is it a retirement plan?
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Yes, I pay for a private plan which I recently updated and improved my coverage.
When Marg was forced to go on LTD and then retirement because of her MS, the extended health and dental coverage she had with her nursing job (employer paid for some of it which resulted in low monthly premiums) she was able to retain the most basic plan without having to complete a medical questionnaire or have a medical check-up. To continue with the same plan that we enjoyed while she worked would have been impossible because the MS would have excluded her for most of the benefits as it would have been a pre-existing condition. The plan that we were allowed to keep was the most basic one and its coverage was really low.
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Does your provincial health care plan pick up on excess over the limits; annual and lifetime?
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It works the other way around. The Provincial Plan covers most of your health care costs and there are no limits. It doesn't cover rx drugs (except for seniors and/or some treatments) dental care, chiropractic, psychologists, optometrists and a few other services. People usually get the extended coverage plans which vary in cost and coverage. For instance, the Provincial Plan covers hospital ward bed costs but not semi or private rooms. Your Extended covers most if not all of the difference.
Harry