HCC plan comparison

Guaranteed issue

Yes

Yes

Yes

Prescription drugs

* Pay-Direct Drug card unavailable for Quebec residents

Pay direct drug card *

80% reimbursement

$400 per year maximum includes $250 lifetime maximum for smoking cessation drugs

Deductible - nil

$5 dispensing fee cap

Pay direct drug card *

80% reimbursement

$1,000 per year maximum includes $250 lifetime maximum for smoking cessation drugs

Deductible - nil

Pay direct drug card *

80% reimbursement

$2,000 per year maximum includes $250 lifetime maximum for smoking cessation drugs

Deductible - nil

Dental benefit

Dental can be added as an optional benefit to the plan

Dental can be added as an optional benefit to the plan

Preventive dental - exams, diagnosis, test, x-rays, lab exams, preventive services, space maintainers, fillings, scaling, 9 month recall visits, minor emergency treatment, extractions

80% reimbursement $700 per year maximum

80% reimbursement on basic services

80% reimbursement on basic services

Major restorative - crowns, onlays, bridges, dentures and associated repairs and adjustments

None

50% reimbursement on major restorative dental after 1 year waiting period

$700 per year maximum combined with preventive dental

50% reimbursement on major restorative dental after 1 year waiting period

$750 annual max in the first year; $1,000 annual max in subsequent years (combined with preventive dental)

Orthodontics

N/A

N/A

N/A

Supplemental Health Care

*Up to reasonable and customary services and charges

80% reimbursement to the stated maximums
- hearing aids ($300 maximum every 5 years)
- accidental dental ($2,000 per fracture or injury)
- ground ambulance service
The following items have a combined $2,500 annual maximum and a combined $20,000 lifetime maximum:
- in-home nursing ($2,500 per year maximum)
- orthopedic shoes ($150 per year maximum)
- blood glucose monitor ($150 every 5 years)
- wigs and hairpieces ($100 per year)
- Prosthetic appliances/durable equipment, including: - prosthetic appliances, ie. artificial limbs, wheel chairs ($1,000 lifetime max), walkers, hospital bed, traction kit, oxygen, casts, crutches, braces, continuous glucose monitors

Paramedical practitioners ($ 25 per visit maximum to $250 per year maximum for each type of practitioner)

The following paramedical practitioners are covered:
- physiotherapist
- speech language pathologist
- chiropractor, including one x-ray examination per calendar year
- osteopath, including one x-ray examination per calendar year
- naturopath
- acupuncturist
- podiatrist or chiropodist, including one x-ray examination per calendar year
- registered massage therapist
- psychologist/social worker ($50 per visit maximum to $250 per year maximum)

100% reimbursement to the stated maximums

- hearing aids ($350 maximum every 5 years)
- accidental dental ($5,000 in a lifetime)
- ground ambulance service
- braces
The following items have a combined $2,500 annual maximum:
 - orthopedic shoes ($200 per year maximum)
- blood glucose monitor ($250 every 5 years)
- wigs and hairpieces ($350 lifetime)
- prosthetic appliances/durable equipment, including: - prosthetic appliances, ie. artificial limbs, wheel chairs ($4,000 lifetime max), walkers, hospital bed ($1,500 lifetime), traction kit, oxygen, continuous glucose monitors
- casts, crutches, ($300 per year)
- breast prosthesis $200/yr
Quebec only:
MRI,CT scans, Ultrasounds
- in-home nursing ($5,000 per year maximum), $25,000 lifetime max
Paramedical practitioners- 
$300 per year maximum for each type of practitioner - $500/yr max combined for all practitioners)
The following paramedical practitioners are covered:
- physiotherapist
- speech language pathologist
- chiropractor, including one x-ray examination per calendar year
- osteopath, including one x-ray examination per calendar year
- naturopath
- acupuncturist
- podiatrist or chiropodist, including one x-ray examination per calendar year
- registered massage therapist
- psychologist/social worker ($60 per visit up to a max of 7 visits/yr

100% reimbursement to the stated maximums

- hearing aids ($500 maximum every 5 years)
- accidental dental ($5,000 in a lifetime)
- ground ambulance service
- air ambulance ($5,000 per incident)
- braces
The following items have a combined $5,500 annual maximum:
- orthopedic shoes ($200 per year maximum)
- blood glucose monitor ($300 every 5 years)
- wigs and hairpieces ($500 lifetime)
- prosthetic appliances/durable equipment, including: - prosthetic appliances, ie. artificial limbs, wheel chairs ($4,000 lifetime max), walkers, hospital bed ($1,500 lifetime), traction kit, oxygen, continuous glucose monitors
- casts, crutches,  ($500 per year)
- breast prosthesis $200/yr
Quebec only: MRI,CT scans, Ultrasounds
- in-home nursing ($5,000 per year maximum), $25,000 lifetime max
Paramedical practitioners- 
$300 per year maximum for each type of practitioner- $650/yr max combined for all practitioners)
The following paramedical practitioners are covered:
- physiotherapist
- speech language pathologist
- chiropractor, including one x-ray examination per calendar year
- osteopath, including one x-ray examination per calendar year
- naturopath
- acupuncturist
- podiatrist or chiropodist, including one x-ray examination per calendar year
- registered massage therapist
- psychologist/social worker ($60 per visit up to a max of 10 visits/yr

Vision: prescription eyewear , contact lenses, laser eye surgery, and prescription sunglasses

100% reimbursement

$150 maximum every 2 years includes $50 per eye exam

100% reimbursement

$150 maximum every 2 years includes $50 per eye exam

100% reimbursement

$200 maximum every 2 years includes $50 per eye exam

Emergency travel

Ambulance, travel assistance, etc.

Up to age 80

N/A

First 60 days of trip

$1 million lifetime maximum

9 month pre-existing condition clause

Out of country / Out of province coverage

First 60 days of trip

$1 million lifetime maximum

9 month pre-existing condition clause

Out of country / Out of province coverage

Semi-private hospital

50% reimbursement

$5,000 per year maximum

85% reimbursement

$175 per day maximum

$5,000 per year maximum

- convalescent hospital max of $20/day up to 180 days per incident

85% reimbursement

$200 per day maximum

$5,000 per year maximum

- convalescent hospital max of $20/day up to 180 days per incident

$250,000

$250,000

$300,000