Medical, Drugs and Dental

These benefits cover the costs of out of pocket medical and hospital expenses, prescriptions and dental care for you and your family.

Medical & Hospital ­ Extended Health Care Coverage.

Three plans are available ­ regular, enhanced or catastrophe coverage plans.

Each plan is designed to suit your lifestyle.

The regular plan covers everyday costs incurred at 100% or 80% reimbursement levels. The enhanced plan boosts the benefit levels and adds vision plus a 15 day multi-trip travel plan.

The catastrophe coverage plan, as the name suggests covers catastrophic illnesses or accidents but you pay the first $2,500 of expenses, the insurer pays for costly catastrophes.

Prescriptions:

Our Basic Rx plan will insure you at 80% to specified limits, including medications presently being taken.

The Deluxe plan has no annual or lifetime maximum limits, but is medically underwritten before your coverage is granted. Some pre-existing conditions may be covered or excluded or coverage denied. Both plans use a pay-direct drug card.

 

Dental Care:

All basic routine services are covered and reimbursed at graded levels starting at 70% in calendar year 1, 75% in calendar year 2 and 80% thereafter. Annual per person maximums are $750*/$1000 and $1,250 respectively.

*NOTE: Coverage in 1st calendar year is pro-rated for remaining months of 1st calendar year. Eg. Sign up for May 1st effective date, your maximum per person is 8/12th or 67% of $502.50 reimbursement for the 8 remaining months per person.  At start of year 2 or the 2nd calendar year, your maximum increases to a full $1,000 per person. Hence, in 20 months time, not 3 years, you reach your calendar year, 3 levels of $1250, the 80% reimbursed max per person.  

Note: Dental and drug plans cannot stand alone they must accompany an Extended Health package.

Email us, or call us today on our toll free line at 1-877-735-4487 to set up an appointment.