Plan comparison

Prescription drugsBasicStandardEnhanced

*Pay-Direct Drug card unavailable for Quebec residents

Pay direct drug card*

60% reimbursement

No deductible

$5 dispensing fee cap
$750 max/year

Includes smoking cessation drugs ($250 lifetime max)

Excludes fertility drug and contraceptives

Pay direct drug card*

70% reimbursement on the first $7,000 of eligible expenses

100% on the next $93,000

No deductible

Includes smoking cessation drugs ($250 lifetime max)

Excludes fertility drug and contraceptives

Pay direct drug card*

80% reimbursement on the first $5,000 of eligible expenses

100% on the next $245,000

No deductible

Includes smoking cessation drugs ($250 lifetime max)

Includes oral contraceptives

Excludes fertility drugs

Supplemental health care
Basic
Standard
Enhanced
*Up to reasonable customary services and charges

60% reimbursement

No deductible

Paramedical practitioners $25 maximum per visit
$250/year per type of practitioner

Including: Physiotherapist, Registered Massage Therapist, Psychologist/Social Worker, Chiropractor, Osteopath, Naturopath, Podiatrist, Chiropodist, Speech Therapist, Acupuncturist

Hearing aids $400/5 years

Accidental dental $2000/per incident

Licensed ground ambulance

Emergency air ambulance

Medical equipment in-home nursing and home care $2500/year combined max. $20,000 combined lifetime max. Includes:

  • prosthetic appliances*
  • wheelchairs, walkers, traction kits ($1000 lifetime max.)
  • orthopedic shoes $150/year
  • blood glucose monitor $150/5 years
  • medically necessary wigs, hairpieces $100/year
  • hospital bed, oxygen*
  • splints, crutches, braces and casts*
  • continuous glucose monitors*

For Quebec residents, medically necessary MRI, Ultrasound, CAT and CT scans are covered to a combined yearly maximum of $750.

100% reimbursement

No deductible

Paramedical practitioners $300/year per type of practitioner

Including: Physiotherapist, Registered Massage Therapist, Psychologist/Social Worker, Chiropractor, Osteopath, Naturopath, Podiatrist, Chiropodist, Speech Therapist, Acupuncturist

Hearing aids $400/5 years

Accidental dental $2000/per incident

Licensed ground ambulance

Emergency air ambulance

Medical equipment with a combined max. $5,000/year Includes:

  • prosthetic appliances*
  • wheel chairs, walkers, traction kits ($4000 lifetime max)
  • hospital bed, oxygen ($1,500 lifetime for bed),
  • orthopedic shoes $200/year
  • blood glucose monitor $ 300/5 years
  • medically necessary wigs, hairpieces $500 lifetime
  • splints, crutches, braces and casts $500/year
  • breast prosthesis $200/year
  • continuous glucose monitors*

In-home nursing and home care: combined $5,000 annual max; combined $25,000 lifetime maximum
For Quebe

For Quebec residents, medically necessary MRI, Ultrasound, CAT and CT scan.

100% reimbursement

No deductible

Paramedical practitioners
$400/year per type of practitioner Including: Physiotherapist/Social Worker, Registered Massage Therapist, Psychologist, Chiropractor, Osteopath, Naturopath, Podiatrist, Chiropodist, Speech Therapist, Acupuncturist

Hearing aids $500/5 years

Accidental dental $2000/per incident

Licensed ground ambulance

Emergency air ambulance

Medical equipment with a combined max. $5,000/year Includes:

  • prosthetic appliances*
  • wheel chairs, walkers, traction kits ($4000 lifetime max.), hospital bed, oxygen ($1,500 lifetime for bed),
  • orthopedic shoes $200/year
  • blood glucose monitor $300/5 years
  • medically necessary wigs, hairpieces $500 lifetime
  • splints, crutches, braces and casts $500/year
  • breast prosthesis $200/year
  • continuous glucose monitors*

In-home nursing and home care: combined $10,000 annual max; combined $30,000 lifetime maximum

For Quebec residents, medically necessary MRI, Ultrasound, CAT and CT scan.

Vision
Basic
Standard
Enhanced

Prescription eyeglasses, contact lenses, prescription sunglasses, and laser eye surgery.

Eye exams up to $50 included in benefit maximum

No coverage

100% reimbursement

1 year waiting period

$250 maximum every 2 years

100% reimbursement

1 year waiting period

$300 maximum every 2 years

Emergency travel medical
Basic
Standard
Enhanced
Ambulance, travel assistance, etc.No coverage

100% reimbursement

1st 60 days of trip

$1 million lifetime max

9 month pre-existing condition clause

Out of Country / Out of Province Coverage

100% reimbursement

1st 60 days of trip

$1 million lifetime max

9 month pre-existing condition clause

Out of Country / Out of Province Coverage

Optional benefit

Semi-private hospital

85% reimbursement

$ 200/day

$5,000 max

Convalescent hospital - max $20/day for 180 days per incident

85% reimbursement

$ 200/day

$5,000 max

Convalescent hospital - max $20/day for 180 days per incident/year

85% reimbursement

$ 200/day

$5,000 max

Convalescent hospital - max $20/day for 180 days per incident

Dental
Basic
Standard
(optional benefit)
Enhanced
(optional benefit)
Preventive services - exams, diagnosis, tests, x-rays, lab exams, space maintainers for children under 12 years of age, pit and fissure sealant for children under 19 years of age, white fillings, scaling, 9 month recall visits, minor extractions

3 month waiting period

60% reimbursement

$500/year max

3 month waiting period

70% reimbursement

$750/year max

3 month waiting period

80% reimbursement

$750/year max

Major restorative - endodontics, periodontics, oral surgery, crowns, inlays, bridges, dentures (and repairs)Not availableNot available

One year waiting period

50% reimbursement

$500/year max

OrthodonticsNot availableNot available

Two year waiting period

60% reimbursement

$1,500/lifetime max

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