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We're glad to inform you that the third-party outage is now resolved. Due to this outage, some of Sun Life’s systems, business teams and external providers experienced disruption. This disruption limited our access to emails as well as the ability to process new insurance applications and other administrative requests. As a result, we’re now ramping back to full operational service over the next few days. We apologize for any inconvenience this might have caused. Again, we thank you for your patience and understanding.
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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