Compare up to three health or dental plans by yearly premium, deductible and annual maximum against the bills you expect.
Use this tool when you are choosing between individual health and dental plans, between levels of an employer's flexible plan, or between keeping a plan and paying bills yourself. Enter the eligible expenses you expect in the year: prescriptions, dental cleanings, physiotherapy, eyeglasses and similar items the plans would cover. The out-of-pocket estimate can help you build that figure.
How it works. For each plan, the amount the plan pays = min(expenses - your share, annual maximum), and what you pay = expenses - amount paid. The tool adds the yearly premium and sorts the plans from lowest total to highest.
Coinsurance. Most Canadian plans reimburse a percentage, such as 80%, after a deductible. Fold that into the second field: your share = deductible + coinsurance % x (expenses - deductible). For Plan B in the defaults, a $0 deductible and 20% coinsurance on $2,400 gives 20% x $2,400 = $480.
Worked example (illustrative). With $2,400 of expected expenses: Plan A pays at most $1,000, so you pay $1,400 + $900 premium = $2,300. Plan B pays $1,920, so you pay $480 + $1,500 = $1,980. Plan C pays $2,160, so you pay $240 + $2,300 = $2,540. Plan B is lowest here; if your expenses fall to $1,000, Plan A wins.
Limits. Real plans have separate maximums for drugs, dental and each paramedical practitioner, per-visit caps and dental fee guides. Run each category separately when the plan sets separate limits. Defaults are illustrative, not quotes, and the tool ignores the tax credit you could claim on premiums and unreimbursed expenses.
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