Savings toolkit · 2027 edition · Canada
Health Costs Toolkit 2027
Canadian Dental Care Plan co-pay math, dental teaching clinics, provincial drug plans, eye exam and hearing aid coverage, and medical expense tax credit worksheets, for the health costs your provincial plan does not pay. Educational only, not medical advice.
CA$15 one-time · PDF, Printables PDF and calendar file
Buy, CA$15 Get all 16 for CA$39
Or get all 16 toolkits for CA$39 (CA$240 if bought one at a time).
30-day refund · Free updates to the 2027 edition · By Andrew
What you get
- Health Costs Toolkit 2027.pdf (42 pages)
- Health Costs Toolkit 2027 - Printables.pdf
- healthcare-savings-calendar-2027.ics
- README - Start Here.txt
- 8 dental office, pharmacy, insurer, clinic and HR scripts, each with 'if they say no' replies
- 3 full worked examples (a Halifax family on the CDCP, an Ontario senior's prescriptions, a Calgary couple's medical expense claim) laid out side by side
- 6 decision guides with the math shown: CDCP co-pays, teaching clinics, generic or brand, longer fills, workplace plans, and who claims medical expenses
- A guide to public drug plans, free pharmacare medicines, eye exams and dental teaching clinics in all 13 provinces and territories, plus 9 worksheets and a 12-month calendar
The 10 chapters
- What your province covers, and what you pay
- The Canadian Dental Care Plan (CDCP)
- Dental care without insurance
- Eye exams, glasses and contacts
- Prescriptions: provincial plans, generics and fills
- Physio, massage, counselling and other therapy
- Workplace and private health plans
- The medical expense tax credit
- Hearing aids, mobility aids and other devices
- A yearly health costs routine
Free guides vs the toolkit
Free on Saving Optimizer
Guides that explain drug, dental, vision and other health costs: what the rules are and what to look for. Start with the Healthcare guides.
In the toolkit (CA$15)
The tools to act on it: 8 call and email scripts with “if they say no” replies, 9 worksheets, 3 worked examples, 6 decision guides with the math shown, a guide for all 13 provinces and territories, a checklist and a 12-month calendar file.
How it was checked
Program rules, co-pays and tax amounts checked against Government of Canada, CRA, provincial and university sources on November 10, 2026. The toolkit lists 23 dated sources at the back. Every worked example uses example numbers and is labelled Example. Prepared with AI assistance and fact-checked. How we create content.
30-day refund. Free updates to the 2027 edition, including the 2027 TFSA and RRSP figures when the CRA posts them.
Frequently asked questions
Who is it for?
A Canadian household paying for dental care, prescriptions, glasses, hearing aids or other costs that provincial health plans don't fully cover. Written for every province and territory. It is about costs and coverage, not about which treatment you need.
Is this financial advice?
No. The toolkits are education only. They explain rules, give you the math and the words to use, and point to official sources. They aren't financial, tax, legal, insurance or medical advice, and they don't recommend any company or product. No savings are guaranteed.
What if it isn’t useful to me?
Email contact@savingoptimizer.com within 30 days of purchase and you'll get a full refund. No forms.
Do I get updates?
Yes. Buyers get free updated files for the 2027 edition, including an update when the CRA posts new yearly figures such as the 2027 TFSA and RRSP limits. The new download link goes to the email you used at checkout.
How do I get the files?
Checkout is by Stripe. After you pay, you land on a download page with a folder link and a one-click zip. If anything goes wrong, email us and we'll send the link.
Who wrote it, and how?
Andrew, the founder of Saving Optimizer. Each toolkit was drafted with AI assistance, then fact-checked against dated official Canadian sources listed at the back. Worked examples use example numbers and are labelled Example.
Can I share it?
The files are for personal use by the purchaser. Please don't share or resell them.
Free sample: the 30-minute subscription audit
Get a free 12-page excerpt of the Subscriptions Savings Toolkit 2027 by email. It has Chapters 1 and 2, a worked example, a decision guide, a call script, a worksheet and the yearly calendar.
By ticking the consent box you agree to get the free sample plus Saving Optimizer emails with money-saving guides and news about new toolkits. Emails are sent by Saving Optimizer (Andrew), contact@savingoptimizer.com, [mailing address], through Hostinger Reach. You'll get a confirmation email first. Every email has an unsubscribe link, or you can email contact@savingoptimizer.com to unsubscribe; requests are processed within 10 business days. The consent box is unticked until you tick it. See the privacy policy.
Note: Education only. Not financial, tax, legal, insurance or medical advice. No savings are guaranteed; results depend on your situation. Saving Optimizer isn't affiliated with any company named in the toolkit.