Two Major Categories of Insurance Benefits

Most employee health benefit plans include two broad categories of coverage: Paramedical Services and Medical Devices. While many practitioners are familiar with treatment-related benefits, the medical device category is often overlooked despite offering significantly higher reimbursement limits. Based on OAOP guidance, understanding both categories can help practitioners better support their clients and maximize available insurance benefits.

1、 Paramedical Services

These benefits cover professional healthcare services that are billed per visit. Common examples include:

  • Osteopathic Treatment
  • Registered Massage Therapy (RMT)
  • Acupuncture
  • Physiotherapy

Key Features:

  • Reimbursed on a per-visit basis
  • Annual coverage is typically limited
  • Benefits are often used frequently and can be exhausted quickly
  • Coverage limits commonly range from several hundred to approximately one thousand dollars per year, depending on the insurance plan

Typical Coverage Amount

Most plans provide relatively modest annual limits for paramedical services, making it important for clients to monitor their remaining balances throughout the year.

2、Medical Devices

This category covers healthcare products rather than treatment visits. Many clients are unaware that these benefits exist within their insurance plans.

Common examples include:

  • Custom Orthotics
  • Lumbar Supports and Back Braces
  • Knee, Shoulder, Ankle, and Wrist Braces
  • Compression Stockings
  • TENS (Transcutaneous Electrical Nerve Stimulation) Units

Key Features:

  • Reimbursed based on product purchases rather than treatment visits
  • Generally offers much higher annual coverage limits
  • Coverage may range from several hundred dollars to several thousand dollars per year for specific product categories
  • Often underutilized by policyholders

Typical Coverage Amount

Medical device benefits frequently provide substantially higher reimbursement limits than treatment services. Proper planning and utilization can significantly increase the value clients receive from their insurance plans.

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重要说明

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建议做法（非常实用）

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