Group Insurance

Healthcare Benefits

The healthcare plans available to group clients provide comprehensive coverage to supplement provincial medical plans. A variety of options let you design a plan to fit your specific needs.

Deductibles

Healthcare Benefits
Single $0, $25, $50, $100 or $250
Family x1 or x2 single

Hospital Coverage

Hospital Coverage
Coinsurance 50%, 60%, 70%, 80%, 90% or 100%
Hospital Room Coverage Covered
Ambulance Covered
Acute/Convalescent Care Covered
Nursing Maximum $5,000, $10,000, $15,000/12 months
Chronic Hospital/Nursing Optional: $25 per day, 100% coinsurance

Other Healthcare Coverage

Other Healthcare Coverage
Coinsurance 50%, 60%, 70%, 80%, 90% or 100%
Paramedical Practitioners (Optional) Basic package: Chiropractors, Physiotherapists, Psychologists/Social Workers
Optional package: Podiatrists, Naturopaths,
Osteopaths, Speech Therapists, Dietitians,
Acupuncturists and Massage Therapists
3 - 19 lives: Basic package or Basic plus Optional package
20+ lives: Basic package or Basic plus any or all from Optional package
Paramedical Maximum $300, $500 or $750/person/practitioner/12 months
Medical Supplies Included
Orthopedic Shoes - $300/12 months
Hearing Aids - $700/5 years
Out of Country Coverage 100% coinsurance - 60 day per trip maximum
Global Medical Assistance Included
Medical Travel in Canada Optional
Preferred Vision Service Included - up to 20% discount on lenses/frames/contacts

Visioncare

Visioncare
Lenses/Frames/Contacts $100, $150, $200, $250 (per 24 months, optional 12 months for children)
Eye Exams Covered if no Provincial Plan coverage
Coinsurance 100% or same as other healthcare services
Deductible Included as part of healthcare, unless 100% coinsurance, then the deductible is $0

Drug Plans

Assure Health Inc. (AHI) Drug Card

Drug Plans
Drug Card Plans Plan 80 - prescribed drugs
Plan 81 - drugs requiring a prescription
Plan 60 - prescribed drugs excluding smoking cessation products
Plan 61 - drugs requiring a prescription excluding smoking cessation products
Per prescription deductible $0, $1, $2, $5, $10, dispensing fee
Coinsurance 50%, 60%, 70%, 80%, 90% or 100%
Generic Coverage Optional
Managed Drug Care Base Plan: Coverage for drugs on provincial formulary
Supplemental Plan: Plan 80, 81, 60, 61 Generic
Note: Must have lower coinsurance and/or higher deductible than Base Plan
Deferred Drug Card (Québec Only) $50/30 days or $75/90 days

Dentalcare Benefits

Dentalcare coverage is available in three optional plan designs:

  1. Basic coverage
  2. Basic & Major coverage
  3. Basic, Major & Orthodontic coverage: groups of more than 10

Each plan offers a wide variety of coinsurance options and plan maximums. As an additional option, clients with Major coverage may elect a separate bridge and denture maximum.

Our group plans also offer numerous combinations of dental deductibles. Our deductible arrangements can allow your company to share a common deductible between healthcare and dentalcare expenses.

Our standard deductible carryover provision waives the deductible in the current year if your client satisfied the previous year's deductible in the last three months of that calendar year.

Dentalcare Benefits
Basic Treatment Oral Exams, X-rays, Fluoride, Sealant,
Fillings, Extraction, Endodontics, Periodontics,
Oral Surgery, Injections & Anesthesia
Cleanings Standard: 2 in 12 months
Options: 1 in 9 months or 1 in 12 months
Preventative Scaling Standard: 14 units/12 months
Options: 10 units or 6 units, 12 months
Major Treatment Crowns, Onlays, Dentures,
Bridgework & Denture Related Surgery
Orthodontics (Children under 18 years) Diagnostic services/Orthodontic appliances
Adult Orthodontics Optional: 20+ lives
Oral Hygiene Instruction Optional
Prior Extraction Limitation Optional
Deductibles Single: $0, $25, $50, $100, $250
Family: 1x or 2x single
Coinsurance Basic: 50%, 60%, 70%, 80%, 90% or 100%
Major: 50%, 60%, 70%, 80%
Orthodontic: 50%, 60%
Maximums Per person, calendar year (s)
Basic Only $1,000, $1,500, $2,000, $2,500, Unlimited
Basic and Major Combined: $750, $1,000, $1,500, $2,000, $2,500
or Unlimited basic and $750, $1,000, $2,000, $2,500
Major or Unlimited basic and Major
Bridge and Denture (Optional) 5 - 9 lives - $750/5 year
10+ lives - $750, $1,000, $1,500, $2,000, $2,500/5 years
Orthodontic $1,000, $1,500, $2,000, $2,500/lifetime