Healthcare Financial Planning - Canada

• Start with Healthcare Financial Planning 101Employees learn the five financial layers behind Canadian healthcare: the healthcare need, provincial or territorial public coverage, additional public / private / employer coverage, personal cost exposure, and the next financial action.
• Build the Canadian Healthcare Cost MapParticipants privately map where public health insurance, prescription or dental programs, employer coverage, private insurance, and personal out-of-pocket costs may fit around common healthcare situations.

What employees gain

• A simple map of how provincial or territorial healthcare, public prescription and dental programs, employer benefits, private coverage, and personal spending can interact
• Greater confidence identifying which healthcare costs are publicly insured and which require another coverage check
• A clearer understanding of prescription-drug, dental, extended-health, travel, home-care, and other healthcare cost layers
• Better questions to ask providers and insurers before paying for healthcare

• Provincial & Territorial Public Coverage: What Is and Isn't InsuredEmployees learn the financial foundation of Canadian public healthcare, which services form the core insured basket, and where additional coverage may need to be checked.
• Prescription Drugs, Provincial Pharmacare & National PharmacareEmployees learn how public drug programs, current national pharmacare, Quebec's distinct system, employer coverage, and personal costs can interact.
• Dental Costs, Canadian Dental Care Plan & Coverage GapsEmployees learn how dental costs can move across CDCP, other public dental programs, employer or private dental coverage, and personal spending.

• Extended Health, Vision & Paramedical CostsEmployees learn the healthcare services that can sit outside core public coverage and how supplementary coverage and personal costs are commonly structured.
• Mental Health, Chronic Conditions & Recurring Healthcare CostsEmployees map recurring healthcare costs across public services, prescription coverage, extended health, employer support, and personal spending.
• Out-of-Province, Travel & Emergency Healthcare CostsEmployees learn how public healthcare portability works within Canada and why travel can still create prescription, ambulance, emergency, or international cost exposure.

• Pregnancy, Family & Children's Healthcare CostsEmployees learn how public coverage, prescriptions, dental, extended health, dependants, and recurring healthcare costs can change when a family grows.
• Home Care, Long-Term Care & Caregiving CostsEmployees learn why home, community, and long-term care use a different financing mix from core hospital and physician care.
• Healthcare Cost Review & Life EventsEmployees build a repeatable healthcare-financial review for changes in work, family, province, healthcare needs, public programs, or supplementary coverage.
• Employer Health & Dental Benefits & System CoordinationConnect the organization's actual healthcare benefits with provincial or territorial public coverage, additional public programs, family coverage, and personal healthcare costs.
• Newcomers & International Employees: Public Coverage & Interim GapsHelp international and recently arrived employees understand the financial starting point for healthcare when provincial or territorial eligibility and temporary coverage arrangements differ.