SUMMARY - Out-of-Pocket Healthcare Costs
Consider the morning routine of Elena, a thirty-four-year-old graphic designer living in downtown Toronto. After a recent diagnosis of rheumatoid arthritis, she faces a monthly prescription bill of nearly four hundred dollars for biologic medications not fully covered by her provincial plan. Despite having a stable job, her employer’s extended health benefits have been trimmed due to rising premiums, leaving her to calculate whether she can afford her medication or the rent increase looming next month.