Insured Physician Services
An insured service is one provided by a licensed medical practitioner and considered essential to the health of the patient. The Health Care Insurance Services plan is designed to pay for the cost of general practitioners’ and medical specialists’ services that are medically required. These services include:
- Physicians’ services in their office, clinic, at the hospital, scene of an accident or in a patient’s home
- Care and treatment by a physician before, during and after an operation, including anaesthesia
- Physicians’ care during pregnancy
- Certain dental-surgical procedures that have to be performed in an approved hospital
The following services are not insured physician services:
- Services provided by optometrists and dispensing opticians, including provision of eyeglasses
- Appliances (eg. Braces and walkers), except for some medical appliances needed by children aged 16 year or younger
- Services provided by podiatrists, osteopaths, orthodontists and chiropractors
- Medical examinations not required for health reasons or those requested by a third party (eg. Employment medicals)
- Plastic and cosmetic surgery unless the plan gives prior approval
- Dental surgery performed outside a hospital
- Advice by telephone
- Long-distance telephone charges incurred in the course of arranging referrals
- Preparation of records, reports or certificates
- Laboratory or x-ray procedures performed in facilities not approved by the Plan
- Giving or writing prescriptions
- Supply or drugs
- Any service that the administrator determines, during review, is not insured because it is not medically required.