With two months left in the year, this is the time that us practitioners get extra busy. That's because many people realize they still have health benefits to use from their extended benefits plan and come in more freqeuently to take advantage of them. In fact, 'The Canadian Life and Health Insurance Association estimates over 23 million people, or 67 per cent of the population have extended health care benefits, which includes not-for-profit health insurance benefit providers.' as reported in a recent article by CBC.
Its a win-win situation - but employee benefits are only used by a small percentage of employees in Canada. In fact, in the article it went on to say that Great-West Life Assurance Company completed a 10-year review of trends in health and dental claims. Not surprsingly, a very small percentage of people are utilizing their paramedical benefits - ie. chiropractic, massage, acupuncture - the very services that can lead to greater quality of life, decreased pain and most certainly wellness & prevention.
By their estimates, 'Massage claims have increased from just under 10 per cent of plan members to about 27 per cent since 2001. Chiropractic and physiotherapy claims are now sitting at 18 and just over 15 per cent respectively.'
That's nothing! In my professional as well as personal opinion - these benefits are there for you to use, enjoy and benefit from! In many ways, its free money to help you live a healthier life... why not take advantage of it?
First thing is - do you know what you're eligible for? What is the period for usage - a calendar year? What is the maximum amount per session you are entitled to? What percentage are you reimbursed? These are all important questions that can help you figure out what and how much you have to use and benefit from.
So if you haven't used your employer benefits yet this year - you have just over two months to enjoy them and take advantage of them! Your body will thank you!
Yours in Health,
Dr. Shamira
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