Difference between Paramedical Combined Maximum vs Overall Maximum
Paramedical Practitioners can include a list of registered professionals that CRA applies favourable tax treatment to. Their services can be reimbursed tax-free in an extended health benefits plan or health care spending account.
Overall Maximum: all eligible practitioners on the plan are included under one maximum amount for the benefit period or year.
Example - $1000 Overall Maximum for All Practitioners
Combined Maximum: two or more practitioners are grouped together under the same annual or benefit period maximum amount.
Example - $500 for Physiotherapy and Occupational Therapy, and/or $500 for Psychologist, Clinical Counsellor and Master of Social Work.
A Benefits Plan will typically have one overall maximum if any, but may have multiple combined maximums consisting of different groups of often similar or related practitioners.
A Benefits Plan may have both an Overall Maximum and Combined Maximums per practitioner.