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@anderiaann1993:

Anderia Ann
Anderia Ann
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Sunday 25 October 2026 12:48:37 GMT
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IS A PRIVATE HEALTH PLAN WORTH IT? Part 2, when your work benefits end before 65 Your health card covers doctors and hospitals, and your province covers a big drug bill. A private plan is for what's left, which is dental, glasses, physio and everyday prescriptions. I don't sell insurance and nobody pays me to name the insurers. 1. It won't cover a big drug bill. A drug for rheumatoid arthritis or Crohn's can run $15,000 to $25,000 a year, and on most plans you can buy yourself, the most it pays for drugs in a year is $500 to $2,800. The big bill is still your province's job. 2. On the predictable costs, you mostly get your own money back. Canada Life's middle plan for a 62 year old in Alberta costs about $3,350 a year, and the most it pays for drugs and dental together is $2,500, plus $350 for each kind of practitioner. Somebody has to pay for those towers downtown. 3. It adds up. For a couple in Calgary, a health and drug plan with no health questions is about $4,700 a year before dental. Over the 7 years to 65 that's about $33,000, against about $10,000 on the province's plan. What the plan gives you is a fixed monthly cost and one less thing to worry about, and for a lot of people that's worth paying for. 4. To work out your own answer, add up what you spent on dental, glasses, physio and prescriptions over the last 2 years and compare it to the premium. If you skip the plan, pay yourself the premium. For that Calgary couple it's about $390 a month into a separate account, and whatever's left at 65 is still theirs. 5. There's a clock. For 60 or 90 days after your work plan ends, most insurers will take you with no health questions. With a health history, decide inside that window. 6. Under $90,000 of family income, buying a plan with dental in it ends your access to the federal dental plan. A health and drug plan with no dental keeps it open. Did you buy a plan when your work benefits ended, or pay as you go? Would you do it the same way again? The full guide, province by province, is in my paid community at calmmoneycoach.com. My email list is free. General education only. The households are made-up examples. 2026 rules and prices, and your age, province and income change the numbers. #earlyretirement #healthinsurance #dentalcare #retirementplanning #personalfinancecanada
IS A PRIVATE HEALTH PLAN WORTH IT? Part 2, when your work benefits end before 65 Your health card covers doctors and hospitals, and your province covers a big drug bill. A private plan is for what's left, which is dental, glasses, physio and everyday prescriptions. I don't sell insurance and nobody pays me to name the insurers. 1. It won't cover a big drug bill. A drug for rheumatoid arthritis or Crohn's can run $15,000 to $25,000 a year, and on most plans you can buy yourself, the most it pays for drugs in a year is $500 to $2,800. The big bill is still your province's job. 2. On the predictable costs, you mostly get your own money back. Canada Life's middle plan for a 62 year old in Alberta costs about $3,350 a year, and the most it pays for drugs and dental together is $2,500, plus $350 for each kind of practitioner. Somebody has to pay for those towers downtown. 3. It adds up. For a couple in Calgary, a health and drug plan with no health questions is about $4,700 a year before dental. Over the 7 years to 65 that's about $33,000, against about $10,000 on the province's plan. What the plan gives you is a fixed monthly cost and one less thing to worry about, and for a lot of people that's worth paying for. 4. To work out your own answer, add up what you spent on dental, glasses, physio and prescriptions over the last 2 years and compare it to the premium. If you skip the plan, pay yourself the premium. For that Calgary couple it's about $390 a month into a separate account, and whatever's left at 65 is still theirs. 5. There's a clock. For 60 or 90 days after your work plan ends, most insurers will take you with no health questions. With a health history, decide inside that window. 6. Under $90,000 of family income, buying a plan with dental in it ends your access to the federal dental plan. A health and drug plan with no dental keeps it open. Did you buy a plan when your work benefits ended, or pay as you go? Would you do it the same way again? The full guide, province by province, is in my paid community at calmmoneycoach.com. My email list is free. General education only. The households are made-up examples. 2026 rules and prices, and your age, province and income change the numbers. #earlyretirement #healthinsurance #dentalcare #retirementplanning #personalfinancecanada
Momcozy Bottle Cooler: It was like having a mini fridge with us all the time. So helpful for keeping her milk cold while we were out. Momcozy Bottle Warmer: This was perfect because we could warm up her milk pretty much anywhere while we were on the go. Travel Baby Bath Seat: So convenient for bath time while traveling, and we could even bring it to the beach and use it as a seat. Farm Animal Tails Book: We tried to bring plenty of toys to keep her entertained, but this little book ended up being her favorite the entire trip. Shqip 🇦🇱 Momcozy Bottle Cooler: Ishte si të kishim një frigorifer të vogël me vete gjatë gjithë kohës. Shumë praktik për ta mbajtur qumështin të ftohtë kur ishim jashtë. Momcozy Bottle Warmer: Ky na hyri shumë në punë sepse mund tja ngrohnim qumështin kudo kur ishim jashtë. Karrigia për banjën e bebit: Shumë praktike për ta larë gjatë pushimeve, dhe mund ta merrnim edhe në plazh për ta përdorur si karrige të vogël. Libri Farm Animal Tails: Morëm plot lodra me vete, por ky libër i vogël ishte lodra e preferuar e Arya’s. Momcozy discount codes 🤍 Milk Warmer: ELIDA10MW — 10% off Milk Cooler: ELIDA10MC — 10% off @momcozy_feedmates #momcozy #onthegofeeding #momcozyportablebottlewarmer #momcozymilkcooler #vacation
Momcozy Bottle Cooler: It was like having a mini fridge with us all the time. So helpful for keeping her milk cold while we were out. Momcozy Bottle Warmer: This was perfect because we could warm up her milk pretty much anywhere while we were on the go. Travel Baby Bath Seat: So convenient for bath time while traveling, and we could even bring it to the beach and use it as a seat. Farm Animal Tails Book: We tried to bring plenty of toys to keep her entertained, but this little book ended up being her favorite the entire trip. Shqip 🇦🇱 Momcozy Bottle Cooler: Ishte si të kishim një frigorifer të vogël me vete gjatë gjithë kohës. Shumë praktik për ta mbajtur qumështin të ftohtë kur ishim jashtë. Momcozy Bottle Warmer: Ky na hyri shumë në punë sepse mund tja ngrohnim qumështin kudo kur ishim jashtë. Karrigia për banjën e bebit: Shumë praktike për ta larë gjatë pushimeve, dhe mund ta merrnim edhe në plazh për ta përdorur si karrige të vogël. Libri Farm Animal Tails: Morëm plot lodra me vete, por ky libër i vogël ishte lodra e preferuar e Arya’s. Momcozy discount codes 🤍 Milk Warmer: ELIDA10MW — 10% off Milk Cooler: ELIDA10MC — 10% off @momcozy_feedmates #momcozy #onthegofeeding #momcozyportablebottlewarmer #momcozymilkcooler #vacation
✅ Đồ mốc mà sạch như mới thì cũng đáng mua nè. Thử đi mọi người mình dùng thấy OK lắm nè ! 👉Tẩy mốc Saiza 🧴🧴 #saiza #taymocquanaosaiza #chinhhang #giadungtienich #thaonguyenmommy
✅ Đồ mốc mà sạch như mới thì cũng đáng mua nè. Thử đi mọi người mình dùng thấy OK lắm nè ! 👉Tẩy mốc Saiza 🧴🧴 #saiza #taymocquanaosaiza #chinhhang #giadungtienich #thaonguyenmommy
Bina waka😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂
Bina waka😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂
올해 읽은 명언 중, 최고의 인생 명언인듯...ㄷㄷ . . 책 #쇼펜하우어인생수업 할인 구매링크는 @ggeujuck_ 프로필에 있습니다. 컨텐츠가 마음의 울림이 있었다면 ”잘 봤습니다“라는 말 한마디 남겨주시면 감사합니다. 더 좋은 컨텐츠 올릴 수 있도록 노력하겠습니다 #조언 #인생 #명언 #책추천
올해 읽은 명언 중, 최고의 인생 명언인듯...ㄷㄷ . . 책 #쇼펜하우어인생수업 할인 구매링크는 @ggeujuck_ 프로필에 있습니다. 컨텐츠가 마음의 울림이 있었다면 ”잘 봤습니다“라는 말 한마디 남겨주시면 감사합니다. 더 좋은 컨텐츠 올릴 수 있도록 노력하겠습니다 #조언 #인생 #명언 #책추천
بەقوربانی یەک دەقەت بم دایە جیان، هیچ وشەک هیچ وەسفەکی شایسەتم نەدۆزیەوە، دایک هیچ وەسفی نییە، گشت کەسی قەشەنگ🥹♥️🌍” انشاللە خوای گەورە دایک و باوکی هەموو لایەک بهێڵێ، قەت بێ ئومێد مەبە لە ڕەحمی خوای گەورە🥹🤍🤲🏻،#foryou #foryoupage #qashang_7 #viral #fyp @TikTok @For You
بەقوربانی یەک دەقەت بم دایە جیان، هیچ وشەک هیچ وەسفەکی شایسەتم نەدۆزیەوە، دایک هیچ وەسفی نییە، گشت کەسی قەشەنگ🥹♥️🌍” انشاللە خوای گەورە دایک و باوکی هەموو لایەک بهێڵێ، قەت بێ ئومێد مەبە لە ڕەحمی خوای گەورە🥹🤍🤲🏻،#foryou #foryoupage #qashang_7 #viral #fyp @TikTok @For You

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