Hospitals rely on many casual workers to keep everything running smoothly. These employees may not have any guaranteed hours per week and may be on call. They work as nurses, administrators, cleaners, and other essential positions within the hospital. Casual employees enjoy the same employment protections as their full-time counterparts, but they don’t receive health insurance. This means they could struggle to pay for their medical expenses, even though they work hard.
If you’re in this situation, you may think you don’t have access to any health insurance plans. While you aren’t eligible for your employer’s health insurance plan, you have other options. Here’s what you need to know about the health insurance plans that are available to you. …show more content…
Joining the plan is voluntary, but it’s a good way to get the benefits you need. Since it’s a group plan, you can get access to lower premiums than you would if you purchased an individual health insurance plan.
Plans for Employees under the Age of 65
Different health insurance plans are available to you based on your age. If you’re under the age of 65, you could apply for HCP’s Plan 2. This plan includes extended health care; basic or enhanced dental coverage is available as an optional add-on.
Extended health care helps you pay for some of the services that aren’t included in provincial health plans. This includes prescription drugs, private duty nursing services, vision care, and emergency transportation. It also includes paramedical services. Physiotherapy, speech therapy, podiatry, massage therapy, and similar services fall into this category. The coverage amounts for these services will vary at the Essential, Complete, and Optimum levels.
If you want dental insurance as well, you can choose to add it. Basic dental coverage includes services like recall examinations, cleanings, fillings, and extractions. Enhanced dental coverage includes major restorative services like dentures, crowns, and
If you’re in this situation, you may think you don’t have access to any health insurance plans. While you aren’t eligible for your employer’s health insurance plan, you have other options. Here’s what you need to know about the health insurance plans that are available to you. …show more content…
Joining the plan is voluntary, but it’s a good way to get the benefits you need. Since it’s a group plan, you can get access to lower premiums than you would if you purchased an individual health insurance plan.
Plans for Employees under the Age of 65
Different health insurance plans are available to you based on your age. If you’re under the age of 65, you could apply for HCP’s Plan 2. This plan includes extended health care; basic or enhanced dental coverage is available as an optional add-on.
Extended health care helps you pay for some of the services that aren’t included in provincial health plans. This includes prescription drugs, private duty nursing services, vision care, and emergency transportation. It also includes paramedical services. Physiotherapy, speech therapy, podiatry, massage therapy, and similar services fall into this category. The coverage amounts for these services will vary at the Essential, Complete, and Optimum levels.
If you want dental insurance as well, you can choose to add it. Basic dental coverage includes services like recall examinations, cleanings, fillings, and extractions. Enhanced dental coverage includes major restorative services like dentures, crowns, and