Health Coverage Choice - Extended Health Care and Dental Plans

We make it easy to replace your group health insurance and dental insurance.

If you’re age 18-74, you have 60 days after your workplace or retiree group coverage ends to replace it with Health Coverage Choice. There are 3 Health Coverage Choice plans available.

There’s no medical exam and you can get coverage for you, your spouse and your dependent children. Your dependent children can also apply for their own Health Coverage Choice coverage once they’re no longer eligible under your plan due to their age or student status.

Contact Us
  • To request a quote for coverage, speak with a licensed financial services consultant 1 at

    1-877-893-9893

    Monday-Friday: 8am-8pm ET

  • For information about your Health Coverage Choice plan or to update your information, call

    1-800-669-7921

    Monday-Friday: 8am-8pm ET

Other options

If you want higher coverage levels and are willing to be medically underwritten – where we review your health in greater depth through tools such as a detailed health questionnaire -  then take a look at Personal Health Insurance.
 

Learn more about Personal Health Insurance

There are 3 Health Coverage Choice plans available for you, your spouse and your dependent children.

Coverage maximums are per insured person and per calendar year, unless otherwise stated. A calendar year is January 1st to December 31st. These plans don’t cover expenses that government health plans cover.

 

 

Health and Dental Choice A

Health Choice B

Health Choice C

Prescription drugs

All 3 plans include:

  • Pay Direct Drug card
  • No deductible
  • Smoking cessation medication
  • ($250 lifetime maximum)
  • 80% reimbursement
  • $400 annual maximum
  • Up to $5.00 paid towards dispensing fee on prescriptions
  • 80% reimbursement
  • $1,000 annual maximum
  • Full coverage of reasonable and customary dispensing fees up to the plan reimbursement
  • 80% reimbursement
  • $2,000 annual maximum
  • Full coverage of reasonable and customary dispensing fees up to the plan reimbursement

Supplemental Health Care

 

Reimbursement

  •  80% reimbursement
  • 100% reimbursement
  • 100% reimbursement          

 

Hearing aids

  • $300 maximum every 5 years
  • $350 maximum every 5 years
  • $500 maximum every 5 years

 

Accidental dental

  • $2,000 per fracture or injury
  • $5,000 lifetime maximum
  • $5,000 lifetime maximum

 

Ambulance

  • Ground ambulance service
  • No coverage for air ambulance
  • Ground ambulance service
  • No coverage for air ambulance
  • Ground ambulance service
  • Air ambulance $5,000 maximum per incident

 

In-home nursing1

  • $2,500 annual maximum and a $20,000 lifetime maximum combined with medical equipment and services
  • $5,000 annual maximum and a $25,000 lifetime maximum
  • $5,000 annual maximum and a $25,000 lifetime maximum

Medical equipment and services

 

Medical equipment and services have a $2,500 annual maximum and a $20,000 lifetime maximum combined with in-home nursing

Medical equipment and services have a $2,500 annual maximum

Medical equipment and services have a $5,000 annual maximum

Orthopedic shoes

  • $150 annual maximum
  • $200 annual maximum
  • $200 annual maximum

Blood glucose monitor

  • $150 every 5 years
  • $250 every 5 years
  • $300 every 5 years

Medically necessary wigs and hair pieces

  • $100 annual maximum
  • $350 lifetime maximum
  • $500 lifetime maximum

Wheelchairs, walkers and traction kits

  • $1,000 lifetime maximum
  •  $4,000 lifetime maximum
  • $4,000 lifetime maximum

Hospital bed, oxygen

  • Reasonable and customary services and charges
  • $1,500 lifetime maximum for hospital beds
  • $1,500 lifetime maximum for hospital beds

Casts, crutches

  • Reasonable and customary services and charges
  • $300 annual maximum
  • $500 annual maximum

Prosthetic appliances (e.g. artificial limbs)

  • Reasonable and customary services and charges
  • Reasonable and customary services and charges
  • Breast prosthesis: $200 annual maximum
  • Reasonable and customary services and charges
  • Breast prosthesis: $200 annual maximum

Vision Care

 

Vision care Includes coverage for:

  • Prescription eye glasses
  • Prescription contact lenses
  • Prescription sunglasses
  • Laser eye surgery

 

  • 100% reimbursement
  • $150 maximum every 2 years, including $50 maximum per eye exam
  • 100% reimbursement
  • $150 maximum every 2 years, including $50 maximum per eye exam
  • 100% reimbursement
  • $200 maximum every 2 years, including $50 maximum per eye exam

Paramedical Practitioners

 

Paramedical practitioners Include:
  • Chiropractors, including 1 x-ray examination per calendar year
  • Registered massage therapists
  • Naturopaths and acupuncturists
  • Osteopaths, including 1 x-ray examination per calendar year
  • Physiotherapists
  • Podiatrists or chiropodists, including 1 x-ray examination per calendar year
  • Speech language pathologists
  • 80% reimbursement
  • $25 maximum per visit
  • Up to $250 per year, per practitioner
  • Psychologist: $50 per visit maximum up to $250 per year

 

  • 100% reimbursement
  • No per visit maximum
  • $300 per year for each practitioner and combined maximum up to $500 per calendar year
  • Psychologist: $60 per visit up to 7 visits per year

 

  • 100% reimbursement
  • No per visit maximum
  • $300 per year for each practitioner and combined maximum up to $650 per calendar year
  • Psychologist: $60 per visit up to 10 visits per year

 

Semi-private hospital room

   
  • 50% reimbursement
  • $5,000 annual maximum
  • $175 daily maximum
  • 85% reimbursement
  • $5,000 annual maximum
  • Convalescent hospital: $20 per day up to 180 days per incident
  • $200 daily maximum
  • 85% reimbursement
  • $5,000 annual maximum
  • Convalescent hospital: $20 per day up to 180 days per incident
  Combined lifetime maximum for above expenses2
  • $250,000 lifetime maximum
  • $250,000 lifetime maximum
  • $300,000 lifetime maximum

Emergency travel medical

 

 

  • No coverage
  • 100% reimbursement
  • $1 million lifetime maximum
  • Coverage provided for the first 60 days of a trip
  • Covers travel outside of your province or territory or outside of Canada
  • Available until the age of 80
  • If you have a pre-existing medical condition where symptoms have appeared or required medical attention, hospitalization or treatment (this includes changes in medication or dosage), and existed during the 9 months before your trip, expenses related to this condition are not included
  • 100% reimbursement
  • $1 million lifetime maximum
  • Coverage provided for the first 60 days of a trip
  • Covers travel outside of your province or territory or outside of Canada
  • Available until the age of 80
  • If you have a pre-existing medical condition where symptoms have appeared or required medical attention, hospitalization or treatment (this includes changes in medication or dosage), and existed during the 9 months before your trip, expenses related to this condition are not included

Dental

To be eligible for dental coverage, everyone on the application must have had dental coverage through your group benefits plan

 

 

Preventive services include:
  • Examinations and diagnosis
  • Tests, x-rays, and lab exams
  • White fillings
  • Scaling and extractions
  • Recall visits every 9 months
  • Minor emergency treatment

Included

  • 80% reimbur
  • sement
  • $700 annual maximum

Optional

  • 80% reimbursement
  • $700 annual maximum combined with restorative
Optional
  • 80% reimbursement
  • Year 1: $750 annual maximum
  • Year 2+: $1,000 annual maximum combined with restorative

Restorative services include:

  • Endodontics
  • Periodontics
  • Oral surgery
  • Crowns
  • Onlays
  • Bridges
  • Dentures (and repairs)
  • No coverage
  • 50% reimbursement
  • $700 annual maximum combined with preventive
  • 1 year waiting period before coverage begins
  • 50% reimbursement
  • $1,000 annual maximum combined with preventive
  • 1 year waiting period before coverage begins

1 In-home nursing includes services of registered nurses, registered practical nurses or registered nursing assistants.

2 Lifetime maximum applies to drug, supplemental health care, paramedical practitioners, vision and semi-private hospital room.

Get Health Coverage Choice – Extended Health Care and Dental

  • Give us a call

    To request a quote for coverage, speak with a licensed financial services consultant1 at

    1-877-893-9893

    Monday-Friday: 8am-8pm ET

1 Registered as a financial security advisor in Quebec.

® BEST DOCTORS and other trademarks shown are trademarks of Best Doctors, Inc. Used under license. All representations about the services of Best Doctors are those of Best Doctors Inc., and not Sun Life Assurance Company of Canada. Sun Life Assurance Company of Canada cannot guarantee the availability of the services, and reserves the right to cancel the services at any time.

Unless otherwise stated, all maximums are per insured person per calendar year. For maximums with a multi-year period (e.g., every 2 years), the period begins on the date the first expense under that maximum is made. This coverage is second payor to any government-sponsored health coverage.

Coverage is subject to certain exclusions and limitations which are described in the individual policy issued. Health Coverage Choice is available for new applicants from the ages of 18-74, and is renewable for customers 75 and over. You and your spouse must each be aged 18-74 on the date of application for each of you to be eligible. To be eligible for this coverage, you must be insured under the government healthcare plan in your province or territory of residence and apply within 60 days of when your group coverage terminates.

This table provides the highlights but not all the details of the Health Coverage Choice – Extended Health Care and Dental Insurance, Health and Dental Choice A, Health Choice B, and Health Choice C plans. A sample policy is available by request from a financial services consultant by calling 1-877-893-9893.

The extended health care and dental insurance policies are underwritten by Sun Life Assurance Company of Canada, a member of the Sun Life group of companies.

© Sun Life Assurance Company of Canada, 2021.