What does a Private Health Services Plan (PHSP) Cover?

 

Each Private Health Services Plan (PHSP) is customized, but all of our customers will receive coverage in all of the areas listed below. 

  • Acupuncturist
  • All Optical Services
  • Psychologist
  • Neurologist
  • Podiatrist
  • Practical Nurse (For medical service)
  • Orthodontist
  • Ophthalmologist
  • Osteopath
  • Surgeon
  • Chiropractor
  • Nutritionist
  • Optician
  • Psychiatrist
  • Orthopedist
  • Obstetrician
  • Registered Nurse
  • Dentist
  • Therapist
  • Oculist
  • Dermatologist
  • Physiotherapist
  • Naturopath visits
  • Optometrist
  • Psychoanalyst
  • Chiropodist
  • Pediatrician
  • Christian Science Practitioner
  • Dental Mechanic
  • Speech Therapist
  • Gynecologist
  • Physician
  • Massage Therapist

Hospital Services

  • Anesthetist
  • Oxygen Masks, Tent
  • Vaccines
  • Hospital Bills
  • Use of operating Room
  • X-Ray Technician

Medication

  • All Prescription Drugs, Insulin or Substitutes Liver Extract injectable for pernicious anemia
  • All prescription drugs and medicines prescribed by a qualified medical practitioner and recorded by a licensed pharmacist
  • Tapes or Tablets for sugar content tests by diabetics, if prescribed
  • Oxygen
  • Viagra
  • Vitamin B12 for pernicious anemia

Prescribed Medical Treatment

  • Blood Transfusion
  • Diagnostic Imaging
  • Bone Marrow or Organ Transplant
  • Diathermy Nursing (by Registered Nurse)
  • Pre-Natal, Post Natal Treatments
  • Healing Services
  • Radium Therapy
  • Insulin Treatments Injections
  • Ultra-violet Ray Treatments
  • Whirlpool Baths
  • Psychotherapy
  • Hydrotherapy
  • Speech Pathology or Audiology
  • Electric Shock Treatments
  • Laser Eye Surgery

 

Dental Services

  • Dentures, repairs & replacement
  • Dental X-rays
  • Examinations
  • Extractions
  • Oral Surgery (e.g. root canals & implants)
  • Braces

Prescribed Medical Devices and Treatments

  • An external breast prosthesis
  • Infusion pumps for diabetics, including peripherals
  • Devices designed to assist a person to use bathtubs showers or toilets
  • Optical scanners or similar devices for a blind individual to enable him/her to read print
  • Synthetic speech systems, Braille printers and large print-on-screen device’s that enable blind persons to utilize computers
  • Oxygen Tent
  • Devices used by individuals suffering from a chronic respiratory ailment or a severe chronic immune system deregulation
  • Inductive coupling osteogenesis stimulator
  • Power operated guided chair installation for stairways
  • Devices designed to enable individuals with a mobility impairment to operate a vehicle
  • Contact Lenses Monitors attached to babies identified as being prone to sudden infant death syndrome
  • Equipment that enable deaf or mute persons to make and receive telephone call including visual ringing indicators acoustic coupler, teletyping, which makes telephone communication possible with other persons
  • Hospital beds, if required in home
  • Electronic or computerized environment control systems for individuals with severe prolonged mobility restrictions
  • Orthopedic shoes or boots
  • Eye Glasses Television closed captioning decoders
  • Any device designed to assist walking where the individual has a mobility impairment
  • Heat Monitors or pace makers Wigs if required as a result of disease, accident or medical treatment
  • Electronic speech synthesizers for mute individuals Power operated guided lifts and transportation equipment designed to access to buildings, vehicles, or to allow wheelchair access to a vehicle
  • Syringes
  • Extremity pumps or elastic support hose to reduce lymph edema swelling
  • Any apparatus or material, paid to a doctor, nurse or hospital

 

Other Materials and Apparatus That Don't Require a Prescription

  • Crutches
  • Colostomy pads
  • Iron Lung
  • Any device to aid the hearing of a deaf person including bone conduction telephone receivers, extra loud audible signals and devices to permit volume adjustment of telephone equipment above normal levels. Hearing aids and hearing aid batteries
  • Artificial kidney machine, including installation, operating costs
  • Artificial Eye
  • Illestomy pads
  • Spinal Brace
  • Catheters, catheter trays, tubing diapers, disposable briefs required by incontinent persons
  • Blood sugar level measuring devices for diabetes Laryngeal speaking aid
  • Hernia Truss
  • Artificial Limb
  • Brace for a limb
  • Wheel Chair

Laboratory Examination and Tests

  • Blood Tests
  • X-Ray Examination
  • Metabolism Tests
  • Cardiographs
  • Urine Analyses
  • Stool Examination
  • Spinal Fluid Tests

Other Expenditures

  • Ambulance Charges
  • Home Maker Service and Home Care (attendant must be a non-relative)
  • Specially trained animals to assist the blind, deaf, for severely impaired persons, including the cost of its care and maintenance
  • Colostomy pads
  • Transportation cost-to hospital, clinic or doctor’s office to obtain services not otherwise available
  • Transportation, meals and accommodations (reasonable expenses for meals, accommodation and travel costs for patient and an accompanying attendant may be deductible if; 1. Equivalent medical services are not available locally; 2. The route traveled is reasonably direct; 3. Medical treatment is reasonable and distance traveled is at least 80 kilometers)
  • Prescription Birth Control Pills
  • Rehabilitative therapy, lip reading and sign language training
  • Reasonable costs for adapting a residence to accommodate a disabled person (e.g. wheelchair ramp, lifts, bath facilities)

 Expenses that DO NOT QUALIFY

  • Acupuncture treatments if they are not performed by a licensed physician
  • Illegal operations, treatment or drugs
  • Payments to a municipality where the municipality employed a doctor to provide medical services to the residents of the municipality
  • Tooth paste or tooth brushes
  • Over-the-counter medications, vitamins, and supplements, even if prescribed by a medical practitioner
  • Health programs offered by resort hotels, health clubs
  • Antiseptic diaper service
  • Special food or beverages are not a deductible expense for tax purposes. However, if said food or beverages are taken to alleviate or treat an illness and not nutritional, they may be allowed. Such claims must be accompanied by a letter from a medical doctor
  • Scales for weighing food
  • Air conditioners, humidifiers, dehumidifiers or air cleaners
  • (Non prescription) birth control devices
  • Maternity clothes Wigs-unless made to order for individuals who have suffered abnormal hair loss owing to disease, medical treatment, or accident
  • Medical expenses for which you are reimbursed or are entitled to be reimbursed from other plans
  • Unnecessary medical procedures: such procedures include surgical and non-surgical procedures purely aimed at enhancing one's appearance such as liposuction, hair replacement procedures, laser hair removal, botulinum toxin injections and teeth whitening