We want you to get the healthcare you deserve.
Prescription Drugs
Our prescription drug plan carries an annual maximum of $12,000 per certificate, and uses our pay-direct drug card to cover the cost of your medication right at the pharmacy. 80% coverage with no deductible and a $5 dispensing fee cap.
Dental Care
Our dental plan is structured to help prevent major dental problems with a 6-month recall, allowing you to go more often for cleanings and checkups. Annual coverage of $1,750 per person at 80% basic dental. Covers x-rays, fluoride, fillings, cleanings, periodontics, and endodontic (root canal) treatments. Pay for orthodontic services with our affordable cost-plus method. Electronic dental claims submission.
Paramedicals
Each member of the family can use up to $500 annually ($1,200 max per family) for each of the covered paramedical practitioners. No per-visit maximums. These include:
Chiropractic, Registered Massage Therapy, Physiotherapy, Acupuncture
Psychologist, Counselling Services, Speech Therapy, Osteopath
Podiatrist/Chiropodist, Occupational Therapist, Social Worker
Homeopathy, Dietician, Nutritionist, Audiologist
Naturopathic Doctor (with special $750 annual maximum)
Vision Care
Pay for eyeglasses, contact lenses, and more with our Vision Care benefit, paying $250 every 24 months for each family member. Can be applied towards laser eye surgery. Includes eye exams.
More benefits
Travel Insurance
Provided by Manulife, our premium travel plan provides $5 million annual travel insurance for a maximum of 120 days per trip. Includes baggage loss and trip cancellation insurance. Travel insurance until age 79.
Add extra days of travel if your trip goes beyond 120 days. (Proof of good health may be required.)
Semi-Private Hospital
Up to 15 days of semi-private hospitalization covered per person, per year. Can be applied towards the cost of a private room. Maximum $250 per day.
Private-Duty Nursing
Up to $10,000 annually per person of private-duty nursing provided by a Registered Nurse, Registered Nursing Assistant, or a Registered Practical Nurse, at the insured person’s residence.
Critical Illness Insurance
Accidental Death Life Insurance
The primary insured member receives $5,000 of critical illness insurance, payable tax-free 30 days after being diagnosed with one of the 23 covered conditions.
Consider adding $20,000-$50,000 more for an additional fee. (Proof of good health may be required.)
The primary insured member receives $50,000 of AD&D insurance, payable to your beneficiary tax-free upon the accidental death of the member.
Consider adding $50,000 to $100,000 of life insurance with your coverage, available on an individual basis with no medicals and a brief telephone application.