At Healtheon, we see it every day: Canadians who thought universal healthcare would be enough, until it wasn't. While our healthcare system provides essential coverage, many families face significant financial burdens when serious illness strikes.

The True Cost of Serious Illness

Consider this recent story that emerged on social media. A Canadian family is struggling after a rare cancer diagnosis. Despite the treatment being standard in the United States, their recommended drug isn't covered by OHIP for this specific cancer. Though government-approved in Canada, they're facing costs of almost $10,000 per treatment – potentially long-term.

"I have been reaching out to the government, rare cancer programs, drug assistance programs, pharmaceutical companies, and anywhere else I could find," the spouse wrote. "Unfortunately, I have been told we can't help at every option."

Her heart-wrenching question resonates with many: "What happens to a person that can't afford a lifesaving medication?"

The Numbers Tell the Story

Recent findings from the Canadian Cancer Society reveal the stark reality:

• The average cancer patient faces $32,778 in out-of-pocket expenses over their lifetime

• Cancer costs in Canada will reach $37.7 billion in 2024

• Patients and families shoulder $7.5 billion of these costs

• That's 20% of total costs coming directly from Canadians' pockets

Take Vanessa Percoco's story. At 33, this Quebec teacher was diagnosed with advanced colorectal cancer. Beyond the emotional toll, she faced:

• Over $4,000 in prescription drugs

• Regular medical supplies needed every four days

• Ongoing therapy costs

• Travel expenses for treatments

• Lost income after employment insurance ran out

"When you're doing cancer treatment... you should be thinking about surviving and focusing on feeling better," Percoco told CBC News. Instead, she found herself constantly worried about money.

The Healtheon Solution

This is why Healtheon's critical illness coverage is more important than ever. Our comprehensive protection helps ensure that a serious diagnosis doesn't become a financial crisis:

• Tax-free lump sum payment upon diagnosis

• Freedom to use funds as needed:

  • Specialized treatments not covered by provincial plans

  • Medical equipment and supplies

  • Travel for treatment

  • Home modifications if needed

  • Replacing lost income

  • Private nursing care

  • Alternative therapies

Most importantly, our coverage gives you choices. When facing a serious illness, you should be focused on recovery, not worried about paying bills.

Why Act Now?

The best time to secure critical illness protection is while you're healthy. Consider these facts:

• Lower premiums when you start earlier

• Better chance of qualifying for comprehensive coverage

• Peace of mind knowing you're protected

• Protection for your family's financial future

The Healtheon Difference

We understand that every situation is unique. Our advisors work with you to:

• Assess your specific needs and risks

• Review your current coverage gaps

• Design protection that fits your budget

• Ensure you understand your benefits fully

Take Control of Your Healthcare Future

While we continue to benefit from Canada's universal healthcare system, the reality is that additional protection is increasingly necessary. No Canadian should have to choose between life-saving treatment and financial stability.

Ready to learn more about protecting yourself and your family? Contact a Healtheon consultant today to discuss your options and get a personalized protection plan.

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Sources: CBC News (December 9, 2024), Canadian Cancer Society Report (December 2024), Heart & Stroke and Canadian Cancer Society National Poll (February 2024), Public Health Agency of Canada (PHAC) Statistics.