Dental Services |
- Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic, and select extractions
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- Reimbursement on extensive services including endodontics, periodontics and denture repairs
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- Reimbursement on crowns, bridges, dentures and orthodontics
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- Year 1 & 2: 0%; Year 3 & beyond: 60% ($800 maximum every 2 consecutive years)
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- Anniversary year maximums
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- Year 1: $600; Year 2 & beyond: $900
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- Year 1: $750; Year 2: $1,000; Year 3: $1,200; Year 4: $1,200; Year 5 & beyond: $1,500
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Prescription Drugs |
Prescription drug coverage applies to costs not covered by your provincial prescription drug insurance plan, up to the maximums stated below. For Quebec residents, prescription drug coverage available under this plan is limited to costs not covered by the RAMQ Prescription Drug Insurance Plan. It is not intended to be a replacement for the RAMQ Plan. In order to be eligible for coverage under this plan, you must have a provincial health card and be registered under the RAMQ Prescription Drug Insurance Plan, or have equivalent coverage under a group plan. |
- Generic‡ vs brand-name coverage
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- Birth control and fertility drugs
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- Reimbursement on first amount per anniversary year‡‡
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- Reimbursement on next amount per anniversary year‡‡
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- Maximum per anniversary year‡‡
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Other Benefits |
Vision Care – Covers the costs towards prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses. |
- $100 per 2 benefit years plus $60 for Optometrist visits per 2 benefit years
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- $100 per 2 benefit years plus $60 for Optometrist visits per 2 benefit years
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- $150 per 2 benefit years plus $60 for Optometrist visits per 2 benefit years
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- $250 per 2 benefit years plus $60 for Optometrist visits per 2 benefit years
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Travel Coverage (coverage ceases at age 65) - Covers emergency hospital/medical expenses while travelling outside your province or territory of residence and access to a 24-hour worldwide medical assistance centre, up to a maximum of $5,000,000 per trip. |
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Survivor Benefit – Provides continuous coverage for 1 year, following the death of an adult insured |
- Available 1 year after policy effective date
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Registered Specialists & Therapists† – Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Dietitians, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists. |
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- $500 combined for all specialists/therapists
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- $750 combined for all specialists/therapists
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- $1,000 combined for all specialists/therapists
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- $1,500 combined for all specialists/therapists
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Psychologist/Psychotherapist/Social Worker |
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- Maximum per subsequent visit
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Speech Therapist |
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- Maximum per subsequent visit
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Lifeline® Personal Response Service – Provides 24-hour monitoring service for people coping with medical problems at home. |
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- 6 months per 3-year period
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Core Benefits |
Hearing Aids – Covers the cost to purchase and/or repair up to the allowed maximum. |
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Ambulance Services |
- Unlimited ground and air transport
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- Unlimited ground and air transport
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- Unlimited ground and air transport
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- Unlimited ground and air transport
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Lifetime Extended Health Care Maximum |
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‡ Generic Drug - A generally less expensive alternative to an interchangeable brand-name drug product. Please note: Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.
‡‡ Anniversary Year refers to each successive 12-month period following the effective date of your policy. For residents of British Columbia, Saskatchewan, and Québec, it is based on calendar year. Calendar Year means each successive 12-month period commencing January 1 and ending December 31.
† Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable.
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