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Health and Dental Choice A |
Health Choice B |
Health Choice C |
|
---|---|---|---|
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 - 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 - 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 - 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 |
Overall plan maximum (not including emergency travel benefit | $250,000 | $250,000 | $300,000 |
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