Life Insurance

 

Life insurance includes $50,000 of coverage and an equal amount of Accidental Death and Dismemberment (AD&D) insurance. Basic life and AD&D coverage must be purchased in order to obtain coverage for health and/or dental. For additional coverage, consider one of our Personal Life Insurance solutions.

 

Extended Health Care

 

Extended healthcare coverage includes:

• Overall health maximum of $20,000 per benefit year
• Prescription drugs – 80% reimbursement; dispensing fee cap of $8.00 per prescription, mandatory generic substitution (lowest cost therapeutic equivalent drug)
• Vision care – 100% reimbursement; $300 per person per 2 plan years combined for eye exams and prescription glasses
• Paramedical services – 80% reimbursement;
  • $500 combined maximum per plan year for clinical counsellors, marriage and family therapists, psychoanalysts, psychologists, psychotherapists and social workers;
  • $1,000 combined maximum per plan year for services of a chiropractor, osteopath, podiatrist/chiropodist, massage therapist, naturopath, physiotherapist, dietician and nutritionist (Note: per practitioner maximums apply);
  • $300 per plan year for speech therapist
• Hospital services – 100% semi-private room reimbursement
• 100% ambulance services and private nursing reimbursement (up to $10,000 per plan year)
• Hearing aids – 100% reimbursement; $1,000 per person per 5 plan years

 

Dental Care

 

Dental care coverage includes:

• Basic and preventative procedures — 80% reimbursement (based on current year ODA fee guide in effect on the 1st of January 1 year previous to the current year)
• Periodontal and endodontic services — 80% reimbursement
• Major services – 50% reimbursement
• $2,000 overall maximum per person per plan year