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; $1,000 annual max in subsequent years (combined with preventive dental) |
Orthodontics |
N/A |
N/A |
N/A |
Supplemental Health Care *Up to reasonable and customary services and charges
|
80% reimbursement to the stated maximums Paramedical practitioners ($ 25 per visit maximum to $250 per year maximum for each type of practitioner) The following paramedical practitioners are covered:
|
100% reimbursement to the stated maximums - hearing aids ($350 maximum every 5 years)
|
100% reimbursement to the stated maximums - hearing aids ($500 maximum every 5 years)
|
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 |