Physicians who enrolled in the extended health care plan (EHC) with OPIP will have to satisfy an annual deductible of $2000 for family and $1000 for singles before benefits are payable. There is also no coverage for vision or dental. In order to make the plan a fully comprehensive benefits package a Benecaid Health Spending Account (HSA) can be used to fill in the gaps. This plan can be used to reimburse the expenses not covered by OPIP Extended Health Coverage due to the deductible not being met, or it is not an eligible expense.
For those physicians who chose the Health Spending Account through OPIP instead of the EHC plan, Benecaid can be used to supplement the OPIP HSA to cover additional uninsured medical and dental expenses above and beyond the OPIP limit.
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