Overview
Your Enhanced Health Blend (EHB) benefits can include coverage for different types of health and dental expenses, such as massage therapy, vision care, dental visits, or prescription drugs.
Each EHB plan is set up a little differently, so it’s important to understand how your specific Plan is designed and what you’re eligible to claim.
You may see terms like per person, per practitioner, or deductible. These terms explain how limits are applied to expenses in each category.
This article breaks down what those terms mean so you can better understand how your EHB coverage works.
The details
Common coverage terms
| Term | What it means | An example to help understanding |
| Per person | Each eligible person (the Member or a dependant) has their own limit. | A $500 per person maximum means each covered family member has their own $500 limit for the specified coverage. |
| Per practitioner | The limit applies separately to each type of practitioner (for example, massage therapist, physiotherapist, or chiropractor). | A $500 per practitioner maximum allows $500 for massage, $500 for physiotherapy, and $500 for chiropractic services, subject to any other Plan limits. |
| Per family | One shared limit that applies to all eligible family members. | A $1,000 per family maximum means all covered family members share the same $1,000 limit. |
| Combined maximum | One shared limit that applies across multiple services or practitioner types. It may apply per person or per family. | A $2,000 combined maximum for paramedical services, per person, means each covered person can receive up to $2,000 in total reimbursements across the included paramedical services. |
| Deductible | The amount you pay out of pocket before your Plan begins reimbursing eligible expenses. | With a $25 deductible, you must pay the first $25 of eligible expenses each benefit period before reimbursement begins. |
| Co-pay | The percentage of an eligible expense that your Plan reimburses. | If your Plan covers 80% of an eligible expense, you are responsible for the remaining 20%. |
Why this matters
Understanding how your coverage works helps you know what’s eligible and avoid surprises when submitting a claim.
For example, if your Plan includes a $500 per practitioner maximum, per person, and a $2,000 combined family maximum for paramedical services:
- Each person can claim up to $500 for each covered type of practitioner, and
- The total amount reimbursed for all included paramedical services across all covered family members cannot exceed $2,000 during the benefit period.
Knowing how these limits interact can help you plan ahead and make the most of your benefits.
Where to find your Plan details
You can review your Plan details by logging in to your Member Centre. From your dashboard, select “Enhanced Health Blends,” then click the plus (+) sign next to each category for more information.
There, you’ll find:
- Which services are covered under your EHB Plan
- How much you can claim for each type of service
- Whether limits apply per person, per practitioner, or as a combined maximum
Anything else?
Coverage amounts, eligible services, and limits vary depending on how your Plan was set up.
If you’re ever unsure how your EHB coverage applies to a specific expense, send us a message through the support form in your Member Centre or email hello@blendable.ca.
Our Customer Experience team will be happy to review your Plan details and help answer your questions.