Canada’s health system is an intricate combination of:
- Public healthcare
- Personal needs
- Employer-sponsored benefits
The Canadian healthcare system is known for its universal coverage, but many people don’t know how to make the most of their work health benefits. To navigate it, you have to understand what’s available and how everything works together. And that’s no easy task.
If you have access to an employer-sponsored health plan here’s how to ensure you’re getting the best work health benefits.
1. Understand What Your Plan Covers
The first step is also the most important; understanding what your health plan offers. In addition to the public health system, most Canadian employers provide extended health benefits such as an HSA (Health Spending Account) or FSA (Flexible Spending Account) which may cover dental care, vision, prescription drugs, paramedical services, and more.
You must know what’s included and not in your work health benefits and how to file claims. Request a benefits booklet from your HR department or log into your benefits portal.
Pro Tip: You can plan your appointments wisely once you take note of annual limits or coverage caps on specific services.
2. Make Use of Preventive Care Services
Access to preventive care is one of the biggest work health benefits. Many employers offer plans that cover annual physicals, vaccinations, screenings, and wellness programs. These preventive care services help you maintain long-term health.
Preventive care can reduce long-term costs; reason why employers and insurance providers are happy to cover it.
Pro Tip: Don’t wait for something to go wrong. Use your plan to access preventive screenings by scheduling regular checkups.
3. Optimize Paramedical Services
Paramedical services like massage therapy, physiotherapy, acupuncture, or mental health counseling are not covered in Canada’s public health system. But worry not as your employer-sponsored health plan might have got it covered.
These services are great for your well-being, managing stress, recovering from injuries, and improving your overall quality of life.
Pro Tip: Many plans have an annual cap on these services. Spread out your appointments throughout the year to make the most of your work health benefits coverage.
4. Use Your Wellness Spending Account
Like a health spending account (HSA), some employers also provide a wellness spending account (WSA). It allows you to claim reimbursements for wellness-related expenses that are typically not covered by standard health benefits.
These could include gym memberships, fitness classes, nutritional consultations, or mental health apps.
Pro Tip: Check if your plan offers this and take advantage of it to support a holistic approach to your health.
5. Coordinate with Provincial Health Coverage
Canada’s public healthcare system provides a range of free services like;
- Visits to your family doctor
- Hospital stays
- Certain medical procedures
However, this coverage varies by province. Make sure you’re familiar with what’s covered by your provincial health plan and use your employer’s plan to fill in any gaps.
Pro Tip: If you’re relocating within Canada, check whether there are differences in what’s covered in your new province and update your provincial health coverage.
6. Claim Prescription Drug Coverage
Employer-sponsored health plans often cover a large portion of prescription drug costs. If you or a family member requires regular medication, do understand how your drug plan works.
This includes knowing whether you’re required to use certain pharmacies, the process for generic vs. brand-name drug claims, and any deductibles or co-pays involved.
Pro Tip: Some plans may require you to try generic drugs before they cover branded medications. Talk to your doctor and pharmacist to ensure you're following the required procedures.
7. Tap into Mental Health Benefits
More and more employers today are recognizing the importance of mental health. It has also pushed them to expand their health plans to cover services like counseling, therapy, and mental health apps.
With rising stress levels, burnout, and mental health challenges, taking care of your psychological well-being is just as crucial as managing your physical health. Many plans also offer Employee Assistance Programs (EAPs) for confidential counseling and support.
Pro Tip: Don’t hesitate to use mental health services, even if it’s just for preventive measures.
Take the time to review your health plan today—your future self will thank you!
By staying proactive about your health and well-being, you can make the most of both Canada’s healthcare system and your work health benefits. Whether it's taking advantage of paramedical services, coordinating with provincial health coverage, or optimizing wellness benefits, making informed choices can save you time, and money and ensure you stay healthy in the long term.
What strategies have worked for you when navigating your health plan? Share your findings in the comments below!
Disclaimer: The information provided in this blog or in any linked material is not intended and should not be considered a substitute for medical advice, diagnosis, or treatment. For holistic health advice and consultation, visit My Well Self
