• Health Benefits

    *Required: You must begin with ONE of these modules

    Entry Essential Enhanced
    Coverage
    60% 70% 80%
    Accidental Death and Dismemberment
    — $10,000 & $5,000 $15,000 & $5,000
    Accidental Dental
    $7,000 / lifetime $7,000 / lifetime $7,000 / lifetime
    Acupuncturist
    — $400 / year $500 / year
    Ambulance
    — $420 $420
    Audiologist
    $250 / year $400 / year $500 / year
    Chiropodist/Podiatrist
    $250 / year $400 / year $500 / year
    Chiropractor
    $250 / year $400 / year $500 / year
    Managing Chronic Disease (Ongoing education and support for better health)
    $250 / year $400 / year $500 / year
    Diabetic supplies
    — ✓ ✓
    Dietician
    $250 / year $400 / year $500 / year
    Hearing Aids/Repairs
    — $400 / 5 years (6 months wait) $500 / 5 years (6 months wait)
    Wellness Program – inConfidence (24 hour confidential advice and support for personal issues)
    ✓ ✓ ✓
    Massage Therapist
    — $400 / year $500 / year
    Medical Equipment
    — ✓ ✓
    Mobility Aids
    ✓ ✓ ✓
    Naturopath
    — $400 / year $500 / year
    Nursing Care
    — $3,500 / 2 years $5,600 / 2 years
    Occupational Therapist
    $250 / year $400 / year $500 / year
    Osteopath
    $250 / year $400 / year $500 / year
    Orthotics/Orthopedic (custom)
    $150 / year $150 / year $225 / year
    Ostomy Supplies
    — ✓ ✓
    Oxygen
    — ✓ ✓
    Physiotherapist/Athletic Therapist
    $250 / year $400 / year $500 / year
    Prosthetics
    — $10,000 / lifetime $10,000 / lifetime
    Psychologist/Social Worker
    $250 / year $400 / year $500 / year
    Semi-Private Hospital
    — — 100% / 90 days
    Speech Therapist
    $250 / year $400 / year $500 / year
    Travel
    — — 100% / 30 days
    Vision Care
    $100 / 2 years (6 months wait) $150 / 2 years (6 months wait) $300 / 2 years (6 months wait)

  • Drug Benefits

    Optional: You may choose ONE of these modules

    Essential Enhanced
    Coverage
    70% 80%
    Coverage (after eligible claims reach $4,500 in a year)
    100% 100%
    Overall benefit maximum per year
    None None
    Maximum co-pay per prescription
    $100 $50
    Maximum out of pocket co-pay per year
    $1,350 $900
    Birth Control
    ✓ ✓
    Smoking Cessation
    $800 / 5 calendar years $800 / 5 calendar years
    Fertility Drugs
    — $1,500 / year up to $3,000 / lifetime
    Vaccines
    — $250 / year
    Allergy Serums
    — $500 / year
    Erectile Dysfunction
    — $250 / year

  • Dental Benefits

    Optional: You may choose ONE of these modules

    Entry Essential Enhanced
    Basic Dental Coverage
    60% ($500/year) 70% 80%
    Dental Exam & Cleaning (Entry: 3 month wait; Essential and Enhanced: 6 month wait)
    ✓ ✓ ✓
    X-rays (Entry: 3 month wait; Essential and Enhanced: 6 month wait)
    ✓ ✓ ✓
    Fillings (Entry: 3 month wait; Essential and Enhanced: 6 month wait)
    ✓ ✓ ✓
    Extractions (6 month wait)
    — ✓ ✓
    Root Canals (6 month wait)
    — ✓ ✓
    Periodontal Services Coverage (24 month wait)
    — — 60% ($1,200 / year)
    Major Dental Coverage (24 month wait)
    — — 60% ($500 / year)
    Orthodontics Coverage (age 18 and under; 24 month wait)
    — — 60% ($1,500 / lifetime)

  • Critical Illness

    Optional

    Critical Illness pays cash in the event of an unexpected illness or injury.

    Covered conditions include Alzheimer’s disease, blindness, burns, coma, deafness, life threatening cancer, loss of speech, major organ failure, major organ failure requiring transplant, motor neuron disease, multiple sclerosis, paralysis, Parkinson’s disease, senile dementia, severe heart attack, severe stroke.

  • Hospital Cash

    Optional

    $100 per day for up to 100 days per year when hospitalized. If over the age of 65, benefit is limited to 30 days per year.

  • Assured Access

    Optional

    Assured Access allows you to put your coverage on hold should you acquire group health benefits and to reactivate your health plan later without needing to qualify again medically.

First choose your primary Health Benefit module, next explore optional drug and dental benefit.
*A Health Benefit module is required for every Elements plan. Maximums and restrictions may apply.