Ensuring that your family's healthcare needs are met today and in the future is probably foremost on your mind. However, putting a plan into place to make that happen is not always easy.

Sonata Health can help.

Sonata Health is a health and dental benefits plan, desgined for individuals and families who are looking for enhanced healthcare protection.

Sonata Health works in concert with your needs by providing coverage for expenses not covered by your provincial health plan. If you're self-employed, Sonata Health's premiums may be tax-deductible, further easing the strain on your wallet.

Taking Care of Your Needs

Camadians are very fortunate to have one of the best healthcare systems in the world

But that doesn't mean your provincial healthcare system provides all the coverage that you need.

Did you know:

• many provincial plans limit coverage for prescription drugs through high deductibles, or with income or age restrictions?
• most provinces offer little or no coverage for basic dental services such as scalings, cleanings, fillings and extractions.
• eye examinations, eyeglass prescriptions and ambulance services are not covered by most provincial plans?
• provincial plans may cover some paramedical services, such as chiropractors or physiotherapists, and then only a portion of the cost of each visit? Many paramedical services, such as acupuncture, are not covered at all.

Province by province, governments are covering fewer of the medical expenses that are part of everyday life.

Personal Responsibility

Governments are limiting or excluding coverage for certain drugs and treatments. Hospitals are discharging patients sooner, which means that many of the prescription drugs and medical supplies once covered in-hospital by government plans, are now the responsibility of the patient or private healthcare plan.

Increasing Costs

The cost of health care itself is increasing.

These increases are driven not only by the shifting of expenses from the government to private healthcare plans or individuals, but also by the development of new, more expensive drugs and medical advancements as well as inflation. These cost increases show no sign of slowing.

There is growing use of alternative treatments - such as chiropractic or physiotherapy, acupuncture and naturopathy - which are either not covered by your provincial plan or covered only to a limited extend.

Sonata Health offers enhanced healthcare coverage designed to help protect you against medical and dental expenses not covered by your provincial health plan.

And if you're self-employed, Sonata Health's premiums may be tax-deductible.

Meeting Your Needs with Extended Health Plan from CITY Finance

CITY Finance Advisor can help you begin planning today.