What’s Covered

If you currently spend money on any of the following items – or plan to in the future, a Private Health Services Plan (PHSP) saves you money.

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  • Acupuncture
  • Alcoholism treatment
  • Ambulance
  • Anesthetist
  • Artificial limbs
  • Attendant care
  • Birth control pills
  • Blood tests
  • Braces
  • Cardiographs
  • Cat scan
  • Chinese medicine
  • Chiropractor
  • Contact lenses
  • Contraceptive devices
  • Crowns
  • Crutches
  • Dental implants
  • Dental insurance
  • Dental plan
  • Dental treatment
  • Dental X-rays
  • Dentures
  • Dermatologist
  • Detoxification clinic
  • Diagnostic fees
  • Diapers for incontinence
  • Dietician
  • Drug addiction therapy
  • Drugs (prescription)
  • Eyeglasses
  • Fees paid to health institute prescribed by a doctor
  • Fertility treatments
  • Fluoridation unit
  • Guide dog
  • Gynecologist
  • Hair Transplant
  • Hearing aid and batteries
  • Hospital bills
  • Hydrotherapy
  • Implants
  • Incontinence products
  • Insulin treatments
  • IVF treatments
  • Lab tests
  • Laser eye surgery
  • Laser treatments
  • Lodging (away from home for outpatient care)
  • Metabolism tests
  • MRI
  • Naturopath
  • Naturopath supplements
  • Neurologist
  • Nursing home (incl. board & meals)
  • Obstetrician
  • Operating room costs
  • Ophthalmologist
  • Optometrist
  • Oral surgery
  • Organ transplant (including owners' expense)
  • Orthodontist
  • Orthopedic shoes
  • Orthopedist
  • Orthotics
  • Osteopath
  • Out-of-Country medical expenses
  • Oxygen and oxygen equipment
  • Pediatrician
  • Physician
  • Physiotherapist
  • Post-natal treatments
  • Pre-natal care
  • Prescription drugs
  • Private surgery
  • Psychiatrist
  • Psychoanalyst
  • Psychologist
  • Psychotherapy
  • Radium therapy
  • Registered massage therapy
  • Renovations & Alterations to dwelling (for severe & prolonged impairments)
  • Special school costs for the handicapped
  • Spinal fluid test
  • Splints
  • Sterilization
  • Surgeon
  • Telephone or TV equipment to assist the hearing impaired
  • Therapy equipment
  • Transportation expenses (relative to health care)
  • Ultraviolet ray treatments
  • Vaccines
  • Vasectomy
  • Viagra
  • Vision treatments
  • Vitamins (if prescribed)
  • Wheelchair
  • X-rays

    • Note: This is a partial list of tax-deductible medical expenses. All allowable expenses must qualify as outlined in the Income Tax Act. Please refer to CRA Interpretation Bulletin S2-F1-C1 for a full list of allowable expenses.

    Insurance companies work on a 20% - 25% profit margin on group insurance premiums. Ask your insurance broker for a "Claims Experience Ratio”. This will show money you paid in premiums vs. what claims were actually paid out. This will give you an overall view of what you’re leaving on the table. Group Extended Health and Dental coverage is usually an amortization of pre-paid expenses with a profit margin for the insurance company built in.

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