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What does a Private Health Services Plan (PHSP) Cover?

Each Private Health Services Plan (PHSP) is customized, but all of our customers will receive coverage in all of the areas listed below. 



Naturopath visits

All Optical Services












Practical Nurse

(For medical service)

Registered Nurse

Christian Science




Dental Mechanic



Speech Therapist









Massage Therapist

Hospital Services


Oxygen Masks, Tent


Hospital Bills

Use of operating Room

X-Ray Technician


All Prescription Drugs, Insulin or Substitutes Liver Extract- injectable for pernicious anemia

All prescription drugs and medicines prescribed by a qualified medical practitioner and recorded by a licensed pharmacist

Tapes or Tablets- for sugar content tests by diabetics, if prescribed



Vitamin B12 - for pernicious anemia

Prescribed Medical Treatment

Blood Transfusion

Healing Services


Diagnostic Imaging

Radium Therapy


Bone Marrow or
Organ Transplant

Insulin Treatments Injections

Speech Pathology or Audiologoy

Diathermy Nursing (by Registered Nurse)

Ultra-violet Ray Treatments

Electric Shock Treatments

Pre-Natal, Post Natal Treatments

Whirlpool Baths

Laser Eye Surgery

Prescribed Medical Devices and Treatments

An external breast prosthesis

Inductive coupling osteogenesis stimulator

Orthopedic shoes or boots

Infusion pumps for diabetics, including peripherals

Power operated guided chair installation for stairways

Eye Glasses Television closed captioning decoders

Devices designed to assist a person to use bathtubs showers or toilets

Devices designed to enable individuals with a mobility impairment to operate a vehicle

Any device designed to assist walking where the individual has a mobility impairment

Optical scanners or similar devices for a blind individual to enable him/her to read print

Contact Lenses Monitors attached to babies identified as being prone to sudden infant death syndrome

Heat Monitors or pace makers Wigs if required as a result of disease, accident or medical treatment

Synthetic speech systems, Braille printers and large print-on-screen device's that enable blind persons to utilize computers

Equipment that enable deaf or mute persons to make and receive telephone call including visual ringing indicators acoustic coupler, teletyping, which makes telephone communication possible with other persons

Electronic speech synthesizers for mute individuals Power operated guided lifts and transportation equipment designed to access to buildings, vehicles, or to allow wheelchair access to a vehicle

Oxygen Tent

Hospital beds, if required in home


Devices used by individuals suffering from a chronic respiratory aliment or a severe chronic immune system deregulation

Electronic or computerized environment control systems for individuals with severe prolonged mobility restrictions

Extremity pumps or elastic support hose to reduce lymph edema swelling

Other Materials and Apparatus that Don't Require A Prescription

Any apparatus or material, paid to a doctor, nurse or hospital

Artificial kidney machine, including installation, operating costs

Blood sugar level measuring devices for diabetes Laryngeal speaking aid


Artificial Eye

Hernia Truss

Colostomy pads

Illestomy pads

Artificial Limb

Iron Lung

Spinal Brace

Brace for a limb

Any device to aid the hearing of a deaf person including bone conduction telephone receivers, extra loud audible signals and devices to permit
volume adjustment of telephone equipment above normal levels. Hearing aids and hearing aid batteries

Catheters, catheter trays, tubing diapers, disposable briefs required by incontinent persons

Wheel Chair

All Dental Services

Dental X-rays

Extracting Teeth

Oral Surgery (e.g. Root canal)

Denture Repairs & Replacement

Filling Teeth

Straightening Teeth (e.g. brace)


Gum Treatment

Cosmetic Procedures

Laboratory Examination and Tests

Blood Tests

Metabolism Tests

Stool Examination

X-Ray Examination


Spinal Fluid Tests

Urine Analyses

Other Expenditures

Ambulance Charges

Colostomy pads

Prescription Birth Control Pills

Home Maker Service and Home Care (attendant
must be a non-relative)

Transportation cost-to hospital, clinic or doctor's office to obtain services not otherwise available

Rehabilitative therapy, lip reading and sign
language training

Specially trained animals to assist the blind, deaf, for severely impaired persons, including the cost of its care and maintenance

Transportation, meals and ccommodations
(reasonable expenses for meals, accommodation and travel costs for patient and an accompanying attendant may be deductible if;
1. Equivalent medical services are not available locally;
2. The route traveled is reasonably direct;
3. Medical treatment is reasonable and distance traveled is at least 80 kilometers)
Reasonable costs for adapting a residence to accommodate a disabled person (e.g. wheelchair ramp, lifts, bath facilities)

Expenses that DO NOT QUALIFY

Acupuncture treatments if they are not performed by a licensed physician

Health programs offered by resort hotels, health clubs

Air conditioners, humidifiers, dehumidifiers or air cleaners

Illegal operations, treatment or drugs

Antiseptic diaper service

(Non prescription) birth control devices

Payments to a municipality where the municipality employed a doctor to provide medical services to the residents of the

Special food or beverages are not a deductible expense for tax purposes. However, if said food or
beverages are taken to alleviate or treat an illness and not nutritional, they may be allowed. Such claims must be accompanied by a letter from a
medical doctor

Maternity clothes Wigs-unless made to order for individuals who have
suffered abnormal hair loss owing to disease, medical treatment, or accident

Tooth paste or tooth brushes

Medical expenses for which you are reimbursed or are entitled to be reimbursed from other plans

Over-the-counter medications, vitamins, and supplements, even if prescribed by a medical practitioner

Scales for weighing food

Unnecessary medical procedures: such procedures include surgical and non-surgical procedures purely aimed at enhancing one's
appearance such as liposuction, hair replacement procedures, laser hair removal, botulinum toxin injections and teeth whitening


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