Costly Myths About Health Care Insurance
CAA Insurance myth-busters are on the job. As with healthcare folklore and home remedies, there are many misconceptions about health and dental care insurance. We debunk the costliest myths here.
Q: Are carrots good for your eyes?
A. No. They won’t correct or improve your vision – no matter how many you eat.1
Q: Can being outdoors with wet hair really make you sick?
A: No. Viruses and infections are what make you sick – not cold air.2
Many health myths have become truth for some people. It’s no surprise that there are also misconceptions about health and dental care insurance.
Here are a few of the most common misconceptions – and the truth behind them.
Myth: People who are fit and healthy don’t need health care insurance
Accidents or illnesses can happen to anyone – at any time – leaving you financially vulnerable to the costs of prescriptions drugs, special treatments, and dental services.
Myth: Only the main breadwinner needs health care insurance
Most Canadian families require the work of two adults to run the household. Moreover, for families with children, the odds of needing health and dental care are even higher – the cost of even basic services like dental check-ups can add up fast.
Myth: Health and dental insurance is expensive
It doesn’t have to be – there are many different health and dental care plans available to choose from. Some cost more than others because they offer more comprehensive coverage and higher annual maximums. By choosing a plan that fits your needs and budget, you’ll avoid the costly error of having no coverage at all, when both routine and unexpected health and dental expenses arise.
Myth: The government will cover all my health care needs
Provincial health insurance plans in Canada cover many conditions, but not everything. Among numerous exclusions are prescription drugs, registered specialists and therapists, vision care, semi-private or private hospital accommodation, ambulance transportation, and more.
Many routine dental care expenses, like check-ups, fillings, cleanings, scaling, x-rays, extractions, and restorations are also not covered by provincial plans. Without health and dental insurance, you will have to pay for these expenses out of your own pocket.3
Myth: I’m covered anywhere I travel in Canada
If you’re outside your home province and the clinic or healthcare facility you go to isn’t set up to bill another province directly, you will have to pay for the medical and/or dental care you received and wait to be reimbursed later. And if the health and dental care is more costly where the incident occurred than it is in your home province, you’ll be on the hook for the difference.
Myth: My money can be better used elsewhere
If a serious accident, illness or injury occurs you’ll quickly realize that health and dental insurance was a wise investment. The younger you are when you apply, the lower your premiums will be.
The truth is that health and dental costs can quickly become a financial burden for your family. CAA Health & Dental Insurance offers you an economical way to help protect yourself from these expenses. Learn more online today or call 1-888-334-4561.