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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.

  • Acupuncture acupuncture.jpg
  • Alcoholism treatment 
  • Ambulance 
  • Anesthetist 
  • Artificial limbs 
  • Attendant Care 
  • Birth control pills 
  • Blood tests 
  • Braces 
  • Cardiographs 
  • Cat scan 
  • Chinese medicine 
  • Chiropractor 
  • Contact lenses ambulance.jpg
  • 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 dental.jpg
  • 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 Productsdoctorscans.jpg
  • 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) optometrist.jpg
  • 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 prescription.jpg
  • 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 surgery.jpg
  • 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:Health and Welfare Trusts for a full list of allowable expenses.

Insurance companies work on a 25% - 35% profit margin on group health insurance. Ask your insurance company for your "Claims Ratio” – the money you paid in premiums vs. what claims money you received last year – to see 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.


More questions about the Private Health Services Plan? Complete the online form or contact June Borlé at (604) 874-4429 or Toll-free (888) 880-2266.