| Lifetime Maximum || Unlimited. |
| Reimbursement || 100% of most eligible expenses subject to maximums and limits; prescription drugs are reimbursed at the lower of the brand name or generic drug ingredient cost. If no generic drug is available, the Plan will pay 100% of the brand name drug ingredient cost. |
| Practitioners || |
Chiropractor, Speech Therapist, Osteopath, Naturopath, Homeopath, and Podiatrist – Expenses are reimbursed at 100%, up to a maximum of $300 annually, per practitioner.
Acupuncture and Massage Therapy – Expenses are reimbursed at 50%, up to a maximum of $300 annually.
Certified Athletic Therapist, Physiotherapist and Occupational Therapist – Expenses are reimbursed at 100%, up to a maximum of $75 per treatment and $5,000 annually.
Psychologist – Expenses are reimbursed up to a maximum of $2,000 annually, and up to a maximum of $200 per hour. Please consider using the Plan's member assistance program for free private counselling.
| Prescription Drugs || Reimbursement (as described above) for drugs which by law require the written prescription of a physician. Includes oral contraceptives, fertility drugs ($2,500 per family), diabetic supplies, smoking cessation (100% for 1st course of treatment up to $400, 50% for 2nd course of treatment up to $200), erectile dysfunction ($400 per calendar year), anaesthesia, vaccinations and immunizations (subject to individual maximums). Over the counter drugs, vitamins or minerals are not covered. Medical cannabis including derivates is not covered. |
| Deductible || Nil. Maximum dispensing fee of $9.50 per prescription. |
| Ambulance || Reimbursement for land ambulance services when used to transport to the nearest hospital. If ambulance services provided by air or rail, there is a $500 maximum per individual, per calendar year. |
| Accidental Dental || $5,000 per dental accident. |
| Hospital || The difference between ward room and semi-private hospital room. Rehabilitation hospital room allowance is $10 per day up to a maximum of 100 days of confinement per disability prior to age 65. |
| Medical Services and Supplies || Medical equipment and supplies, custom foot orthotics (maximum $400 per year) and orthopedic shoes (at 50%, maximum $400 per year), PSA tests, oxygen and oxygen supplies. |
| Hearing Aids || $1,500 for each 48 month period. |
| Private Duty Nursing || Up to $10,000 per year. |
| Mobility Assistance Equipment Benefit || Member only reimbursement of 75% of the expenses associated with specific mobility equipment and its installation. Subject to a lifetime maximum benefit of $5,000. |
| Age 65 Provincial Plan Benefit || $200 annual maximum benefit to reimburse the actual cost incurred to enroll in the individual's provincially sponsored health care plan. Covers premium, deductibles and co-payments. |
| Travel Costs related to Medical Treatment || Reasonable expenses associated with travelling at least 100km to receive medically necessary treatment otherwise unavailable. 80% of such expenses are reimbursed for members or eligible dependants, subject to a lifetime maximum benefit per family of $1,000. Includes accommodation, meal and gas/travel expenses. |