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.