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A piece of advice I would like to offer to all my patients between the ages of 21 to 30.

Get a third party insurance coverage for medications, physio, massage therapy, etc. At your age, with no pre-existing medical conditions, coverage should be relatively cheap.

For those patients approaching retirement, or the age of 65, I advise that you also look into a 3rd party insurance carrier, such as Sun Life, ManuLife, GSK or something else. Senior’s Blue Cross, which everyone over 65 gets, is almost useless – it covers very little.