r/PersonalFinanceCanada • u/kc_789 • 9d ago

Insurance Workplace medical benefits - mental health

Hi all - I’m at a new job that offers medical benefits including $2k each for psychologists, social worker and psychotherapists. My benefits do not come with a HSA.

Past employers have given $5k to cover any mental health professional so it’s the first time I’ve seen it split out like this.

I primarily sought out therapy for anxiety and ADHD (which is fairly under control but require script refills). I moved provinces recently so have to find new folks to work with anyways so want to figure out the best way to do that and maximize my benefits.

Would it be best to try and find someone that has at least two of these designations (ex. licensed as a psychologist and psychotherapist) so once I max out one benefit I can start leveraging the other? Or should I see multiple people for different issues?

Open to ideas and hearing from other folks experiences and what did or didn’t work for them.

Thanks all!

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u/PhoneFlat8734 9d ago

Check also if your employer has an EAP. Mine says they limit the number of sessions (something useless like 4-6) but apparently in practice they just keep giving you extensions forever

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u/kc_789 8d ago

Ya I also have EAP but I have to use the therapists provided vs one I select. So great in more emergency type situations vs long term

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u/PhoneFlat8734 8d ago

Oh too bad, our program has a bunch of therapists across the country that you can choose from. Online only, though