Workplace health plan

Employer-sponsored extended health and dental insurance pays part of costs not covered by OHIP, such as prescription co-pays, paramedical visits, and vision. Always confirm limits and pre-approvals with your carrier.

Premiums deducted on payroll are only part of the story: coinsurance, annual maximums, and combined limits (for example massage plus physiotherapy) determine real out-of-pocket costs. Health spending accounts, if offered, may expire—your UX should show cutoff dates when mock data includes them.

Plan identification

Plan name: Harbour Analytics Group Benefits. Carrier: Ontario Blue Shield (fictional carrier). Plan type: Extended health and dental (employer-sponsored). Effective: 2024-01-01. Renewal: 2027-01-01. Group / policy (masked): HARB••••9182.

Coverage highlights

Paramedical $800/year

Prescription co-pay 20%

Vision $250/24 months

Massage and physiotherapy combined maximum

When you submit a claim, carriers sometimes ask for detailed receipts or a physician’s referral even when the law does not require it—policy design, not statute, drives those frictions.

Provincial drug programs Dental program (CDCP)

Workplace supplemental health — premiums, deductibles, COB

Extended health plans stack with public drug programs: coordination of benefits rules decide payer order.

Coinsurance (e.g., 80/20) and annual deductibles change effective out-of-pocket even when premiums are deducted on payroll.

Health spending accounts may expire on employer timelines—communicate cutoffs clearly.

Paramedical caps (physio, psych, massage) are frequent pain points; show remaining balances where possible.

Pair with Prescription coverage and Canadian Dental Care Plan.

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