Below you will find a breakdown of our supplemental health offerings.
You have the option to decide if you would like to offer one of the plans below to your employees.
When deciding on whether or not you would like to offer one of the following plans to your employees, please keep the following in mind:
| Platinum | Gold | Silver | Bronze | |
|---|---|---|---|---|
| PRESCRIPTION DRUG PLAN | ||||
| Co-insurance | 100% | 100% | 80% | 80% |
| Generic Substitution | Yes | Yes | Generic Mandatory | Generic Mandatory |
| Pay Direct Drug Card | Yes | Yes | Yes | Yes |
| Annual Maximum (Per Person) | Unlimited | Unlimited | Unlimited | $5,000 per |
| calendar year | ||||
| PPN | None | None | Costco 90% - No deductible (except Quebec) | Costco 90% - no deductible (except Quebec) |
| Deductible | None | None | Deductible = to Disp Fee | Deductible = to Disp Fee |
| PARAMEDICAL | ||||
| Healthcare Deductible | $0 | $0 | $0 | $0 |
| Co-insurance | 100% | 100% | 80% | 80% |
| Max / Person / Practitioner / Year | $500 per practitioner each calendar year ($1,000 combined for Social Worker and Psychologist) | $500 per | ||
| practitioner each calendar year ($1,000 combined for Social Worker and Psychologist) | $500 per practitioner/calendar year | $500 per practitioner/calendar year | ||
| Practitioner Package | Registered Acupuncturist, | |||
| Chiropodist/ Podiatrist, Chiropractor, Naturopath/ Homeopath, Osteopath, | ||||
| Physiotherapist, Psychologist/ Social Worker, Registered Massage Therapist, | ||||
| Speech Therapist, Dietician, Audiologist, Occupational Therapist | Registered Acupuncturist, | |||
| Chiropodist/ Podiatrist, Chiropractor, Naturopath/ Homeopath, Osteopath, | ||||
| Physiotherapist, Psychologist/ Social Worker, Registered Massage Therapist, | ||||
| Speech Therapist, Dietician, Audiologist, Occupational Therapist | Registered Acupuncturist, | |||
| Chiropodist/ Podiatrist, Chiropractor, Naturopath/ Homeopath, Osteopath, | ||||
| Physiotherapist, Psychologist/ Social Worker, Registered Massage Therapist, | ||||
| Speech Therapist, Dietician, Audiologist, Occupational Therapist | Registered Acupuncturist, Chiropodist/ Podiatrist, Chiropractor, Naturopath/ Homeopath, | |||
| Osteopath, Physiotherapist, Psychologist/ Social Worker, Registered Massage Therapist, Speech Therapist, Dietician, Audiologist, Occupational Therapist | ||||
| OUT OF COUNTRY TRAVEL | ||||
| Co-insurance | 100% | 100% | 100% | 100% |
| Maximum | $5,000,000/Lifetime 180 day travel plus Trip Cancellation | $5,000,000/Lifetime 180 day travel plus Trip Cancellation | $5,000,000/Lifetime 180 day travel plus Trip Cancellation | $5,000,000/Lifetime 180 day travel plus Trip Cancellation |
| HOSPITAL | ||||
| Co-insurance | 100% | 100% | 100% | 100% |
| Room Type | Semi-Private | Semi-Private | Semi-Private | Semi-Private |
| Maximum Days | Reasonable and Customary | Reasonable and Customary | Reasonable and Customary | Reasonable and Customary |
| VISION | ||||
| Co-insurance | 100% | 100% | 100% | 100% |
| Eye Exams | 1 exam | 1 exam | 1 exam | $75 |
| Lens / Frames / Contacts | $350 | $350 | $300 | $300 |
| Every 24 months | ||||
| for adults, 12 months for children | Every 24 months | |||
| for adults, 12 months for children | Every 24 months | |||
| for adults, 12 months for children | Every 24 | |||
| months for adults, 12 months for children | ||||
| MEDICAL SUPPLIES | ||||
| Co-insurance | 100% | 100% | 80% | 80% |
| Hearing Aids | $500 / 4 calendar years | $500 / 4 calendar years | $500 / 4 calendar years | $500 / 4 calendar years |
| Orthotics / Orthopedic Shoes | $300 / 12 months | $300 / 12 months | $300 / 12 months | $300 / 12 months |
| DENTAL CARE | ||||
| Fee Guide | Current Year | Current Year | Current Year | Current Year |
| Deductible | None | None | None | None |
| Routine Services | Yes | Yes | Yes | Yes |
| Routine Recall Exams | 6 Months | 6 months | 6 months | 6 months |
| Routine Co-insuran | 100% | 100% | 100% | 80% |
| Routine Annual Maximum | Unlimited | Routine & Major combined | ||
| $2,000/calendar year | Routine & Major combined | |||
| $2,000/calendar year | $1,500/calendar year | |||
| Major Services | Yes | Yes | Yes | N/A |
| Major Co-insurance | 80% | 50% | 50% | N/A |
| Major Annual Maximum | $2,000 /calendar year | Routine & Major combined | ||
| $2,000/calendar year | Routine & Major combined | |||
| $2,000/calendar year | N/A | |||
| Orthodontics | Yes | N/A | N/A | N/A |
| Orthodontics Co-insurance | 50% | N/A | N/A | N/A |
| Orthodontics Lifetime Maximum | $2,500 | N/A | N/A | N/A |
| LIFE & AD&D | ||||
| Maximum | Flat $100,000 | Flat $25,000 | Flat $50,000 | Flat $25,000 |
| Reduction Schedule | Reduces by 50% at age 65 | Reduces by 50% at age 65 | Reduces by 50% at age 65 | Reduces by 50% at age 65 |
| Non-evidence Maximum | $100,000 | $25,000 | $50,000 | $25,000 |
| Termination | Age 80 or earlier retirement | Age 80 or earlier retirement | Age 80 or earlier retirement | Age 80 or earlier retirement |
| DEPENDENT LIFE | ||||
| Spouse | $10,000 | $10,000 | $10,000 | $10,000 |
| Child | $5,000 | $5,000 | $5,000 | $5,000 |
| Child Benefit Schedule | From Birth | From Birth | From Birth | From Birth |
| VIRTUAL HEALTHCARE SERVICES | ||||
| Vendor | Dialogue | Dialogue | Dialogue | Dialogue |
| Programs | Primary Care, Mental Health, EFAP | Primary Care, Mental Health, EFAP | Primary Care, Mental Health, EFAP | Primary Care, Mental Health, |
| EFAP | ||||
| MONTHLY PREMIUMS** | ||||
| Single | 256.03 CAD | 191.72 CAD | 181.03 CAD | 151.76 CAD |
| Family | 548.74 CAD | 412.39 CAD | 380.19 CAD | 333.08 CAD |
| **Tax not included |