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Health Coverage Choice

Health benefits after you leave your job

If you're leaving a group benefits plan that provided you with health benefits, you can apply for Health Coverage Choice.

You need to apply within 60 days of leaving your group benefits plan. Any family members who were also covered under your group benefits plan can be included on the application if they are age 74 or younger. The application will not ask you for any medical requirements, but each applicant must have provincial healthcare coverage in place.

We offer 3 Health Coverage Choice plans:

Health and Dental Choice A

This plan has core prescription drug coverage and no emergency travel medical coverage.

  • 80% reimbursement for prescription drugs with $400 annual maximum
  • 80% reimbursement for preventive dental care with $700 annual maximum
  • 80% reimbursement for supplemental healthcare. 80% reimbursement up to $25 per visit for paramedical practitioner services up to maximum $250 per year per practitioner
  • Vision care and semi-private hospital room coverage included
  • Combined $250,000 lifetime maximum for all benefits, excluding dental
  • Learn more about Health and Dental Choice A

Health Choice B

This plan has a higher prescription drug maximum than Health and Dental Choice A, and includes emergency travel medical coverage.

  • 80% reimbursement for prescription drugs with $1,000 annual maximum
  • Optional dental care coverage includes preventive (80% reimbursement) and restorative (50% reimbursement)
  • 100% reimbursement for supplemental healthcare. 100% reimbursement for paramedical practitioner services up to maximum $300 per year, per practitioner and a combined maximum of $500 per calendar year
  • Vision care and semi-private hospital room coverage included
  • Combined $250,000 lifetime maximum for all benefits excluding dental and emergency travel medical

Learn more about Health Choice B

Health Choice C

This plan has the highest drug maximum and includes emergency travel medical coverage.

  • 80% reimbursement for prescription drugs with $2,000 annual maximum
  • Optional dental care coverage includes preventive (80% reimbursement) and restorative (50% reimbursement)
  • 100% reimbursement for supplemental healthcare. 100% reimbursement for paramedical practitioner services up to maximum $300 per year per, per practitioner and a combined maximum of $650 per calendar year
  • Vision care and semi-private hospital room coverage included
  • Combined $300,000 lifetime maximum for all benefits excluding dental and emergency travel medical

Learn more about Health Choice C

Are you looking for a plan that offers higher coverage levels?

If you are looking for a plan with higher coverage levels and you have no concerns with being medically underwritten, then one of our Personal Health Insurance plans may be right for you.

Learn more about Personal Health Insurance

Get Health Coverage Choice

Get a free online quote or to better understand which personal health insurance plan is right for your needs, talk to your advisor or find an advisor near you to help answer your questions. There is no cost to talk to an advisor.

  • Get a quote

    You can buy some of our health insurance products online.

    Get a quote

    Apply now

    Online purchase of Health Coverage Choice is not available in Quebec. An advisor can help you apply.

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Have questions? Let us help. Contact us