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If you’re age 18-74, you have 60 days after your workplace or retiree group coverage ends to replace it with My Health Choice. There are 3 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 My Health Choice coverage once they’re no longer eligible under your plan due to their age or student status.
There are 3 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.
Coverage options | Health Plan – Standard | Health and Dental Plan – Standard |
Health and Dental Plan – Enhanced |
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Eligible expenses limits – lifetime maximum (not applicable to emergency travel medical and dental) |
$250,000 | $250,000 | $300,000 |
Prescription drugs | 80% reimbursement, up to $1,000 per year Coverage of reasonable and customary dispensing fees up to the coverage maximum. |
80% reimbursement, up to $1,000 per year Coverage of reasonable and customary dispensing fees up to the coverage maximum. |
80% reimbursement, up to $2,000 per year Coverage of reasonable and customary dispensing fees up to the coverage maximum. |
Drugs covered |
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Drugs and drug supplies must be prescribed in writing by a dentist or physician and obtained from a pharmacist | Drugs and drug supplies must be prescribed in writing by a dentist or physician and obtained from a pharmacist |
Vision | $150 every two calendar years | $150 every two calendar years | $200 every two calendar years |
Eye examination | Up to $50 every two calendar years (every calendar year for dependents under age 18). Included in the vision maximum above. |
Up to $50 every two calendar years (every calendar year for dependents under age 18). Included in the vision maximum above. |
Up to $50 every two calendar years (every calendar year for dependents under age 18). Included in the vision maximum above. |
Paramedical services | $300 per practitioner, up to a maximum of $500 for all services combined per year. Includes: acupuncturists, chiropodists, chiropractors, naturopaths, osteopaths, podiatrists, psychologists ($60 per visit, maximum 7 visits per calendar year), physiotherapists, registered massage therapists and speech language pathologists. |
$300 per practitioner, up to a maximum of $500 for all services combined per year. Includes: acupuncturists, chiropodists, chiropractors, naturopaths, osteopaths, podiatrists, psychologists ($60 per visit, maximum 7 visits per calendar year), physiotherapists, registered massage therapists and speech language pathologists. |
$300 per practitioner, up to a maximum of $650 for all services combined per year. Includes: acupuncturists, chiropodists, chiropractors, naturopaths, osteopaths, podiatrists, psychologists ($60 per visit, maximum 10 visits per calendar year), physiotherapists, registered massage therapists and speech language pathologists. |
Hospital in Canada | 85% reimbursement Semi-private hospital: up to $175 per day, up to a maximum of $5,000 per year. Convalescent hospital: up to $20 per day, for a total of 180 days. |
85% reimbursement Semi-private hospital: up to $175 per day, up to a maximum of $5,000 per year. Convalescent hospital: up to $20 per day, for a total of 180 days. |
85% reimbursement Semi-private hospital: up to $200 per day, up to a maximum of $5,000 per year. Convalescent hospital: up to $20 per day, for a total of 180 days. |
Ambulance (in Canada) | Unlimited ground ambulance. | Unlimited ground ambulance. | Unlimited ground ambulance. Air ambulance to a maximum of $5,000 per incident. |
Private duty nursing | $5,000 per year ($25,000 lifetime maximum) | $5,000 per year ($25,000 lifetime maximum) | $5,000 per year ($25,000 lifetime maximum) |
Accidental dental | $5,000 lifetime maximum | $5,000 lifetime maximum | $5,000 lifetime maximum |
Hearing aids | $350 every five calendar years | $350 every five calendar years | $500 every five calendar years |
Best Doctors® | A valuable service available to you, your spouse, dependent children, parents and parents-in-law at any point during the policy’s lifetime. Best Doctors will provide an in-depth medical review of your case and/or information about resources within or outside of Canada, including availability, referral process and cost. For more information about Best Doctors, call 1-877-419-2378 or visit bestdoctors.com/canada. |
A valuable service available to you, your spouse, dependent children, parents and parents-in-law at any point during the policy’s lifetime. Best Doctors will provide an in-depth medical review of your case and/or information about resources within or outside of Canada, including availability, referral process and cost. For more information about Best Doctors, call 1-877-419-2378 or visit bestdoctors.com/canada. |
A valuable service available to you, your spouse, dependent children, parents and parents-in-law at any point during the policy’s lifetime. Best Doctors will provide an in-depth medical review of your case and/or information about resources within or outside of Canada, including availability, referral process and cost. For more information about Best Doctors, call 1-877-419-2378 or visit bestdoctors.com/canada. |
Medical services & equipment | $2,500 combined maximum (per year) for all expenses listed in each category:
The following expenses in this category are subject to the same $2,500 calendar-year limit as outlined above, but have the following lifetime maximums:
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$2,500 combined maximum (per year) for all expenses listed in each category:
The following expenses in this category are subject to the same $2,500 calendar-year limit as outlined above, but have the following lifetime maximums:
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$5,000 combined maximum (per year) for all expenses listed in each category:
The following expenses in this category are subject to the same $5,000 calendar-year limit as outlined above, but have the following lifetime maximums:
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Emergency travel medical* (out of province/country) | Up to $1 million (lifetime maximum) of emergency hospital and medical expenses covered during the first 60 days of travel. A nine-month pre-existing condition* limitation will apply to this coverage. Travel assistance, medical assistance, family service and support, for situations that result from a medical emergency. This coverage ends when you reach age 80. * Emergency travel medical does not cover any pre-existing condition. A pre-existing condition is a medical condition where symptoms have appeared or required medical attention, hospitalization or treatment (this includes changes in medication or dosage) during the 9-month period before you leave your province. Certain provisions may apply. Please read your policy carefully before you travel. |
Up to $1 million (lifetime maximum) of emergency hospital and medical expenses covered during the first 60 days of travel. A nine-month pre-existing condition* limitation will apply to this coverage. Travel assistance, medical assistance, family service and support, for situations that result from a medical emergency. This coverage ends when you reach age 80. * Emergency travel medical does not cover any pre-existing condition. A pre-existing condition is a medical condition where symptoms have appeared or required medical attention, hospitalization or treatment (this includes changes in medication or dosage) during the 9-month period before you leave your province. Certain provisions may apply. Please read your policy carefully before you travel. |
Up to $1 million (lifetime maximum) of emergency hospital and medical expenses covered during the first 60 days of travel. A nine-month pre-existing condition* limitation will apply to this coverage. Travel assistance, medical assistance, family service and support, for situations that result from a medical emergency. This coverage ends when you reach age 80. * Emergency travel medical does not cover any pre-existing condition. A pre-existing condition is a medical condition where symptoms have appeared or required medical attention, hospitalization or treatment (this includes changes in medication or dosage) during the 9-month period before you leave your province. Certain provisions may apply. Please read your policy carefully before you travel. |
Dental coverage (Note that a 1-year waiting period applies to restorative dental care.) |
Not covered | 80% reimbursement for diagnostic and preventative dental procedures: oral examinations, recall procedures, (every 9 months) scaling and root planing, routine extractions and for children under age 12, space maintainers. 50% reimbursement for restorative dental care: endodontics (root canal) and periodontics, crowns (and repairs), onlays, restorations, dentures (and repairs/adjustments), bridgework, surgical services, major oral surgery and anaesthesia, drug injections, lab procedures. Maximum of $700 per year for all eligible dental services. |
80% reimbursement for diagnostic and preventative dental procedures: oral examinations, recall procedures, (every 9 months) scaling and root planing, routine extractions and for children under age 12, space maintainers. 50% reimbursement for restorative dental care: endodontics (root canal) and periodontics, crowns (and repairs), onlays, restorations, dentures (and repairs/adjustments), bridgework, surgical services, major oral surgery and anaesthesia, drug injections, lab procedures. Maximum of $750 for all eligible dental services in the first calendar year of coverage; combined maximum of $1,000 per calendar year in subsequent years. |
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. My Health 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 My Health Choice – Extended Health Care and Dental Insurance, Standard or Enhanced 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 Financial group of companies.
© Sun Life Assurance Company of Canada, 2019.