Estimate a year of dental, therapy, vision or prescription costs that your provincial plan does not pay, before you compare plans.
Before you can judge whether a plan is worth its premium, you need a realistic figure for what you would pay without it. This tool multiplies the number of visits or prescription fills by a low and a high price per visit, then adds any one-off purchases.
How to use it. Choose a service type to load an illustrative price range, then replace both prices with what your own dentist, clinic or pharmacy charges. Run it once per service and add the results: for example, two dental check-ups, ten physiotherapy sessions and twelve monthly prescription fills. Put eyeglasses or orthotics in the one-off field.
Formula. Low = visits x low price + one-off costs; high = visits x high price + one-off costs.
Worked example (illustrative). Two dental check-ups at $180 to $350 give $360 to $700. Ten physiotherapy sessions at $80 to $140 give $800 to $1,400. A pair of glasses at $300 goes in the one-off field of one run. The year's total is roughly $1,460 to $2,400 before any plan.
Limits. The price ranges are rough illustrations, not fee guides; dental fees follow provincial dental association fee guides that change every year, and clinic prices vary widely by city. Some services may be partly covered by your province, for example eye exams for children and seniors in many provinces, or physiotherapy in some public programs. Check your provincial plan first, then enter only what you would pay yourself. Nothing here is medical advice about how often you need care.
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