Health Coverage Choice - Extended Health Care and Dental Plans

All 3 plans include:

• Pay Direct Drug card (except Quebec)
• No deductible
• Smoking cessation medication ($250 lifetime maximum)

• 80% reimbursement
• $500 annual maximum
• Up to $5.00 paid towards dispensing fee on prescriptions

• 80% reimbursement
• $1,300 annual maximum
• Full coverage of reasonable and customary dispensing fees up to the plan reimbursement

• 80% reimbursement
• $2,600 annual maximum
• Full coverage of reasonable and customary dispensing fees up to the plan reimbursement

Reimbursement

•  80% reimbursement

• 100% reimbursement

• 100% reimbursement          

Hearing aids

• $300 maximum every 5 years

• $400 maximum every 5 years

• $600 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 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

• $200 annual maximum

• $250 annual maximum

• $250 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 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
• $200 maximum every 2 years, including $50 maximum per eye exam

• 100% reimbursement
• $300 maximum every 2 years, including $50 maximum per eye exam

• 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
• Psychologists and social workers

• 80% reimbursement
• $25 maximum per visit
• Up to $250 per year, per practitioner
• Psychologist / social worker: $60 per visit up to $300 per year

• 100% reimbursement
• No per visit maximum
• $300 per year for each practitioner and combined maximum up to $500 per calendar year
• Psychologist / social worker: $70 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/ social worker: $75 per visit up to 10 visits per year

• 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

• $250,000 lifetime maximum

• $250,000 lifetime maximum

• $300,000 lifetime maximum

• 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

• 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

• 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