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Credit Protection Insurance -- Just Another Consumer Rip-Off
Credit protection insurance is a good example of a consumer rip-off that affects millions of people, yet receives little attention in the financial media. Simply stated, you should NEVER buy "credit protection insurance," or a "payment protection...
Exposing the Car Insurance Quote Mystery
Congratulations, you have just purchased the car of your dreams; you worked a great deal, now it is time to insure it. Car insurance is mandatory in all states, and must be maintained throughout ownership. Insurance quotes can vary from company to...
Factors that change the price of your car insurance quote.
Copyright 2005 Stacey Zimmerman
When looking for a good car insurance quote that combines the coverage you need with a good, affordable cost there are many factors that will culminate in the price of your car insurance quote. Principally this will...
Useful Tips on Reducing Insurance Costs
Most people want lower insurance costs but are often too lazy to do anything about it. All it takes is a little time and effort and you could be looking at a reduced insurance premium. Here are some useful tips on reducing insurance costs: Shop...
What is Travel Insurance?
Travel Insurance is designed to protect your health, belongings, and your financial investment in your trip. It provides peace of mind for you and your family while on your vacation. If you are travelling abroad, be it on business or pleasure it...
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Supplemental Health Insurance: Changing Workplace, Changing World
Work-related stress is on the rise and according to Statistics Canada, the repercussions are numerous. Increasingly, individuals are finding that their job demands more of them- more hours, more flexibility, and more qualifications. The end result of such demands is more stress, and people are having a hard time coping with it.
Many individuals respond to workplace stress by working more. Attaining a sense of security in your job or receiving the praise that you deserve often requires that you exert more energy in order to differentiate yourself from the rest. Consequently, longer hours at work leaves less time for family and social responsibilities, thus adding to the list of stressful factors. For some, it may begin to feel like a vicious cycle that they are powerless to stop.
Enduring the difficulties of workplace stress can be more destructive than we may think. According to Statistics Canada, people suffering from high stress tend to develop chronic conditions such as arthritis and back problems. People’s minds and bodies do have a breaking point. As a result, thousands of Canadian workers are seeking help from specialized doctors and other non-conventional medical practitioners whose fees can become a financial burden.
Provincial health plans vary according to one’s province of residence, and not all plans are equal when it comes to coverage. Spending time talking to a trained psychologist can be beneficial, but can cost $120 and up for one 45-minute session. Unfortunately, regardless of the emotional benefit, a psychologist’s services are
not covered by the Canadian government health plan. Many Canadians are avoiding these costs and easing their level of stress by purchasing supplemental health insurance to cover these extra services. Psychiatrists, physiotherapists, registered massage therapists, Osteopath, Naturopath, Chiropractors, podiatrist and other types of therapists all have coverage in many supplemental health insurance plans.
Plans vary and can be customized to fit individual needs. For example, the extended health care benefits of Flexcare would include coverage for the fees of a psychologist or an approved social worker. The benefits would cover an $80 maximum for your first visit and a $65 maximum for subsequent visits, with a limit of 10 visits per anniversary year.
An unhealthy work environment, competition and extraordinary long hours at work are worrisome factors that rarely go away on their own. In order to alleviate workplace stress, some people will consult a naturopath or visit a massage therapist whose costly charges can be covered by supplemental health insurance. The purchase of supplemental health insurance provides individuals with a variety of options, a sense of ease and a decrease in overall stress.
About the Author
Anna Dorbyk is the editor for Canada Health Insurance and is a graduate student in Communication Studies at Concordia University. For more information on health insurance for Canadians please visit www.canada-health-insurance.com.
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