Prescription Drugs Vision Care Hospital Benefits Survivor Benefits Accident Death and Dismemberment Extended Health Care Benefits

Lifeline Emergency Response Service Homecare and Nursing Equipment, Prosthetic Applianced and Durable Medical Equipment Hearing Aids Ambulance Services Accidental Dental

STANDARD BENEFITS

Dental Services
This benefit helps you with the cost of extensive dental services. The reimbursement is paid as a percentage of the current Dental Association Fee Schedule for your province.

80% reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic,
and other basic dentals services including denture services
80% reimbursement on extensive services including endodontics and periodontics
60% reimbursement on crowns, bridges, dentures, and orthodontics beginning your 3rd
anniversary year.
Increasing anniversary year maximums

$800 in Year 1 $1,000 in Year 2 $1,500 in subsequent years

6-month recall visits

Prescription Drugs
If a name brand drug is purchased, payment will be based on the cost of the generic equivalent. If there is no generic brand, normal coverage applies.

Generic drug coverage
80% reimbursement
No maximum on shared dispensing fees
Increasing anniversary year maximums.

$800 in Year 1 $1,000 in Year 2 $1,200 in subsequent years

Vision Care
This benefit helps with the cost of prescription lenses and frames, contact lenses, and laser eye surgery. This benefit does not include industrial safety glasses.

$200 every 2 benefit years $30 for Optometrist visits every 2 benefit years

Hospital Benefits
This benefit helps with the cost of semi-private or private accommodation at a general hospital. A cash benefit is provided when a semi-private room is not available.

Semi-private/Private room accommodation $200 maximum charge per day 100% (first 100 days) and 60% (next 90 days) reimbursement per anniversary year $50 cash each day when a semi-private room is not available to a maximum of $5,000 each anniversary year.

Survivor Benefit
Your FollowMe (formerly ConversionPlus) Health and Dental plan will be provided FREE for 1 year, following the death of an adult policyholder.

Fracture Benefit
Pays up to $500 cash if you fracture a bone. If more than one bone is fractured in a single accident, the amount payable is for the most severe fracture.

Accidental Death and Dismemberment
Provides payment for a loss directly resulting from accidental bodily injury or accidental loss of life occurring within a year of the date of accident.

$50,000 for adults under 65 $15,000 for children and adults 65 and older

Extended Health Care Benefits
Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, and Speech Therapists. This benefit is payable only after your Provincial Health Insurance Plan maximums have been reached, if applicable.

Registered Specialists and Therapists $600 combined maximum each anniversary year Psychologist $75 maximum for your first visit $60 maximum each subsequent visit Maximum of 12 visits each year   Speech Therapist $60 maximum for your first visit $40 maximum each subsequent visit Maximum of 10 visits each year

Lifeline Emergency Response Service
This benefit is for people trying to cope with medical problems at home while living independent lives. Lifeline provides a button device to be worn at home. Once pressed, a signal alerts our 24-hour monitoring staff that help is needed. The monthly cost includes the unit and the monitoring service. The installation fee is not included.

6 months per lifetime

Homecare and Nursing Equipment, Prosthetic Appliances and Durable Medical Equipment
Covers the services of registered health professionals including Registered Nurse, Registered Nursing Assistant or healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment. Payment will be coordinated where benefits are available through Assistive Devices Program.

$2,500 a year for each of the Homecare & Nursing, Prosthetic Appliances, and Durable Medical equipment. $225 per year for custom-made Orthotics is part of Durable Medical equipment

Hearing Aids
Provides for the cost to purchase or repair hearing aids.

$500 every 4 benefit years

Ambulance Services
Provides for trips to hospitals in a licensed ground ambulance. This benefit is payable only after your Provincial Health Insurance Plan maximums have been reached, if applicable.

Unlimited ground support $4,000 air ambulance

Accidental Dental
Provides for dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.

$3,000 per year