Established in 1980, Daniel et Daniel has grown to become one

of Toronto’s top caterers.

Bringing with them from Paris a great deal of passion and experience, Daniel Megly in hospitality &

luxury hotels and Daniel Clairet in the culinary arts. Together they have successfully built a retail food

shop and catering empire in the heart of downtown Toronto’s historic Cabbagetown.

Over the past 27 years Daniel et Daniel has grown from one building to four and increased their

employees from 1 to 80, with many staying for years. Not only do they maintain a consistent and loyal

client base, but it is always growing. Daniel et Daniel are proud of their French roots. The combined

classical training of the partners has been passed onto a skilled and devoted team of food loving people

dedicated to creating outstanding and flawless events.

The majority of the business comes from catering and event creation of all sizes, from intimate affairs to

large scale events for thousands. In addition, they run a booming Retail Shop that provides customers

take home prepared dinners, salads, pastries and other gourmet products allowing their local patrons to

experience the wondrous and delicious cuisine of Daniel et Daniel in the comfort of their own home.

Daniel et Daniel are proud to be on the preferred caterers list at many of the city’s top venue’s, such as The Carlu, The Royal Ontario Museum, Roy Thomson Hall and The Distillery District where they have been creating incredible and unforgettable events.

Daniel et Daniel has not forgotten the community that has supported their business over the years. Both Daniels are very visible at local annual Fundraising/Charity events and regularly donate to local hospices.

Winners of many prestigious awards, including International Caterers Association Best Plate presentation 2007, named Now Magazine’s Best Caterer 10 years running.

Proud of their customer service record, their commitment to producing events and food of the highest quality and consistency, Daniel et Daniel is dedicated to their mission statement:

“Celebrating the Celebration, and Exceeding Expectations One Plate At A Time”

Summer 2008Summer 2008

Volume 7, Issue 2 Volume 7, Issue 2

Inside this issue: Client Profile: Daniel et Daniel 1

Creating a Home First Aid Kit 2

New Pharmacare Programs Launched 3

Dental Tourism 4

Did You Know? 5

Client Profile: Daniel et Daniel ClaimSecure is pleased to present Daniel et Daniel

who has been a valued client since February 2005.

ClientSide

Location:

248 Carlton Street

Toronto, ON

M5A 2L1

(416) 968-9275; Fax: (416) 968-6343

http://www.danieletdaniel.ca

Page 2 C l ientS ide Volume 7, I ssue 2

The days are gradually getting longer and outdoor temperatures are slowly rising. Spring is in the air! Unfortunately, this also means that outdoor accidents and sports injuries are more likely to happen. It is always wise to be well-prepared and have a first aid kit stocked and ready for usage. It is very simple and economical to make your

own first aid kit rather than buying a pre-made one from the store. Choose a light weight container large enough to hold all of your supplies. A plastic tool box or large food container would work well. Make sure everyone in the family knows where the completed first aid kit is located in the home. A second portable kit for your car would also be very useful. Make sure you regularly review the contents of your first aid kit in order to restock used supplies and to update expired items. Some of the items that should be included in your kit are: • adhesive bandages – a good selection of various sizes and shapes to place over cuts and abrasions

(the newer antiseptic products having additional benefits) • gauze pads – larger pieces can be cut to size to place over wounds to help stop bleeding and to clean

wounds with (cotton balls are messy and leave pieces over the wound) • adhesive skin tape • rubbing alcohol wipes – for cleaning dirt off intact skin or sterilizing equipment • small, sturdy scissors with a sharp tip • fine tweezers with sharp tips – useful for removing splinters • a thermometer • latex gloves for protection in case of blood (hypoallergenic plastic gloves for those with latex

allergies) • an instant ice pack • a sling • a tensor bandage (for supporting joints and for use in combination with found objects in order to

make splints) • medications - useful non-prescription drugs include:

• a quick-acting antihistamine such as Benadryl for allergic reactions • something for nausea and vomiting such as Gravol • a medication for diarrhea such as Imodium for adults; Pedialyte for rehydration purposes and

Kaopectate for children • an anti-inflammatory for pain and/or fever such as Tylenol or Advil • an antibiotic crème for superficial skin infections such as Polysporin • a decongestant such as Sinutab for runny/stuffy noses

To ensure the appropriate use of the above items, a compact, comprehensive first aid guide would also be very useful. In addition, a first aid course may be offered at your community centre or through St. John’s Ambulance Services. A well prepared first aid kit and the appropriate use of its contents ensures a safe, active and enjoyable summer.

Creating a Home First Aid Kit

David Wong, MD

Medical Consultant

Page 3 C l ientS ide Volume 7, I ssue 2

Nova Scotia…

The Province of Nova Scotia has created the Family Pharmacare Program to assist Nova Scotians who do not have drug coverage or are experiencing high drug costs not covered by their private insur-ance. Anyone with a valid Nova Scotia Health Card can enroll in the program. There are no Family Pharmacare premiums, and the pro-gram's co-payment and deductible have yearly maximums that are set depending on a family's annual income. The Pharmacare pro-gram covers 80% of the eligible cost after the family deductible is

satisfied. Once the annual out-of-pocket maximum is reached, the Pharmacare reimburses 100% of the cost.

The annual deductible and the family out-of-pocket maximum vary by income.

Below are examples for a family of four:

The Pharmacare year starts on April 1st and ends on March 31st of each year and families must re-register each year. Families can still register with the Family Pharmacare Program and have other private insurance. The Nova Scotia Family Pharmacare Program is the payer of last resort. This means that private insurance would be the first to pay any claim. Any unpaid portion by the private plan would be then sent to Family Phar-macare for coverage.

For more information, please log onto:

http://www.gov.ns.ca/health/Pharmacare/info_ns/family_Pharmacare/family_Pharmacare.asp

Newfoundland and Labrador…

A new enhancement to the Newfoundland and Labrador Prescription Drug Program

(NLPDP) came into effect on October 31, 2007. The goal of the program is to assist any individual or family

whose drug costs are consuming an unreasonable share of their income. Residents with private drug plan may still be eligible for the NLPDP. In such case, the private plan must be the first payer.

Residents will require the completion of an application form whereby the family’s income is provided, as well as documentation regarding their annual drug costs. The applications will be processed by the As-sessment Office of the Department of Health and Community Services where income information will be verified with Canada Revenue Agency. Once the drug costs and income are confirmed, a co-pay will be established for each individual/family so that annual out-of-pocket costs for NLPDP eligible drugs are kept at the percentage appropriate to family income.

There is no annual deductible, but the co-payment (ranges from 20% to 70%) and the annual maximum out-of-pocket expense vary based on income.

New Pharmacare Programs Launched...

Annual Family Income Annual Deductible Annual Maximum Out-of-Pocket

$30,000 $ 525.00 $ 656.25

$50,000 $1,845.00 $ 2,306.25

$80,000 $8,520.00 $10,650.00

Linda Lin,

B.Sc.Phm.,MBA

ClaimSecure

Page 4 C l ientS ide Volume 7, I ssue 2

The maximum out-of-pocket are as follows:

• 5% of their net income if their annual family income is less than $39,999

• 7.5% of their net income if their annual family income is from $40,000 to under $75,000

• 10% of their net income if their annual family income is from $75,000 to under $150,000.

Families with an annual family income greater than or equal to $150,000 are not eligible for the program.

For more information, please log onto:

http://www.health.gov.nl.ca/health/nlpdp/newoverview.htm#assurance

What does this mean…?

Both Provincial Pharmacare programs are intended to be the payer of last resort; therefore the private plan must be the first payer. For those clients whose drug plan has an annual maximum, their employees in Nova Scotia and Newfoundland can now apply to the provincial drug program for coverage of eligible high cost catastrophic drugs.

It is quite common these days to read articles in the newspaper or hear reports in the other news media about long wait times for certain medical procedures – i.e. joint replacements, organ transplant, etc. Many people make the decision to go to places such as the United States or even as far away as Thailand, China or India, to have these procedures done in a timely manner. This can cut down on the wait time dramatically. The cost can be higher or lower depending on the

jurisdiction you are coming from.

This trend is now being seen in the field of dentistry. In North America, many Americans and Canadians are making the journey to Mexico – to have a holiday AND have inexpensive major dental care. As a dental consultant, I seem to be seeing more out of country claims for major dental work.

Why is this trend being seen in dentistry? One possible explanation is that many people have good plans for prescription drugs, optometry services and dental coverage even if there is a plan of some sort.

In one small town in Mexico, just fifteen minutes across the California border, the first dentist set up his clinic about twenty years ago.

Now, there are over 350 dentists in this town. There are also countless doctors’ offices, optometrists and pharmacists. Many of these professionals have training in the United States. They find that if they rely on foreign patients, they must exceed foreign expectations or go out of business.

Dental tourism is like anything else – it is a buyer beware. Basically it’s word of mouth – “Who did you go to and how did it work out?”

It will be interesting to see how this trend progresses.

Dental Tourism

Mark Donnelly,

D.D.S Dental

New Pharmacare Programs Launched...Continued

Page 5 C l ientS ide Volume 7, I ssue 2

If your Optician, Optometrist or Ophthalmologist is not

licensed that your Vision Care claim could be denied.

ClaimSecure would like to remind its members that when purchasing prescription eyeglasses or contact lenses, it is important to ensure that they are dispensed by an on-site and qualified professional, such as a licensed Optometrist, Optician or Ophthalmologist. To avoid delays in the processing of your vision care claim, please forward the original invoice from the Provider with the name and license number of the dispensing Optician, along with a completed and signed claim form.

In order to assist you, we have provided a brief description of each specialty taken from The College of Opticians of Ontario/Canada’s website.

Optician:

Registered opticians are specially trained to design, fit, and dispense eyeglasses, contact lenses, low vision aids, and prosthetic ocular devices. They interpret written prescriptions from ophthalmologists (medical doctors) and optometrists (non-medical eye care professionals) to determine the specifications of ophthalmic appliances necessary to correct a person’s eyesight. Some registered opticians also design and fit cosmetic shells and artificial eyes. Other registered opticians may grind lenses, design and manufacture specific spectacle frames and other devices needed by their clients. Registered opticians also keep records on clients’ lens powers and work orders; track inventory and sales; and perform other administrative duties.

Registered Opticians are required at all times to wear the College’s official identification badge and prominently display in their primary place of practice their official Certificate of Registration with a seal supplied by the College indicating their status as currently registered with the College

Optometrist:

Optometrists are health professionals trained to assess the eye and visual system, sensory and ocular motor disorders and dysfunctions of the eye and the visual system and diagnose refractive disorders. An Optometrist prescribes and dispenses corrective devices.

Ophthalmologist:

Ophthamologists are medical doctors who specialize in eye and vision care, diagnosis and the treatment of eye disease and provide eye exams, prescribe corrective lenses, prescribe and administer medication and perform surgery.

Did You Know?

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The articles contained herein are not meant to provide medical

or other professional advice or opinions. Articles © 2005

Your feedback is important to us. If there is anything you would like to see in this newsletter, or you have any suggestions or comments, please contact:

Editor: Ellen Trotman, Senior Manager, Client Services

1-888-479-7587 ext. 3014 Fax: 905-949-3029

Associate Editor:

Rita Moxam,

Client Services Representative

1-888-513-4464 ext. 2585

Fax: 705-673 5968

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