Professional Services/Registered Therapists

Acupuncturist

$20 per visit ; $400 per year

$40 per visit ; $500 per year

Chiropractor

$20 per visit ; $400 per year

$40 per visit ; $500 per year

Footcare Specialist (Podiatrist or Chiropodist

$20 per visit ; $400 per year

$40 per visit ; $500 per year

Naturopath

$20 per visit ; $400 per year

$40 per visit ; $500 per year

Osteopath

$20 per visit ; $400 per year

$40 per visit ; $500 per year

Physiotherapist

$20 per visit ; $400 per year

$40 per visit ; $500 per year

Registered Massage Therapist

$20 per visit ; $400 per year

$40 per visit ; $500 per year

Psychologist/Registered Social Worker

$400 per year combined

$500 per year combined

Speech Therapist

$400 per year

$500 per year

Accidental Dental

maximum $3,000 per year

maximum $10,000 per year

Ambulance Transportation

Included

Hearing Aids

Not Applicable

up to $500 per person every 3 years

Home Support Services
 In-Home Nursing

$1,500 in Year 1

$2,000 in Year 2

$3,000 in Year 3

$4,000 per year thereafter

$10,000 per year combined with Home Support Services

Medical Items

$1,500 in Year 1; $2,000 in Year 2;
$3,000 in Year 3; $4,000 per year thereafter

$10,000 per year combined with Home Support Services 

Compression stockings

2 pairs every 4 months

2 pairs every 4 months

Custom-made boots or shoes

$500 every 24 months

$500 every 24 months

Custom-made foot orthotics

$250 every 24 months

$250 every 24 months

Surgical Brassieres

2 every 12 months

2 every 12 months

Wigs

$400 per lifetime

$400 per lifetime

Medical Services 
Diagnostic tests and x-ray, dialysis equipment, laboratory tests

$2,000 per year 

$3,000 per year 

Emergency Medical Travel 

Number of day per trip limitation

First 15 days of trip  

First 15 days of trip  

Emergency Services 

$5,000,000 per year 

$5,000,000 per year 

Referral Services 

$50,000 per year 

$50,000 per year 

 Vision care

 Eye examination

Not Applicable 

$65 every 24 months

 Eyeglasses, Contact Lenses, Laser Eye Surgery

Not Applicable 

$250 every 24 months

Prescription Drugs
Benefits do not include medication for the treatment of anti-obesity, smoking cessation products, erectile dysfunction and fertility. Vitamins are also ineligible unless injected and medically necessary. 

Covered at 70% to a maximum of $400 per person, per benefit year 

Covered at 90% to the following maximums per person, per benefit year:

$1,000 - Year 1

$1,500 - Year 2

$2,000 - per year thereafter

Dental Benefits

(optional, can only be purchased in conjunction with the Basic Health Plan)

Dental Basic: Preventive and Restorative Services

Complete oral examinations 1 every 3 years 

Paid at 70% 
$450 per year  
Maximum combined with Comprehensive Services 

Paid at 80% 
$1,000 in Years 1, 2;
$1,250 per year thereafter
Maximum combined with Comprehensive Services  

Emergency and specific oral examinations: 1 every 3 years 

Full-series x-rays and panoramic x-ray; 1 every 3 years 

Bitewing x-rays;
Basic Plan -1 every 12 months;
Dental Upgrade - 1 every 9 months

Recall Examinations: 1 every 9 months 

Preventive cleaning of teeth: 1 every 9 months 

Topical Application of Flouride: 1 every 9 months 

Comprehensive: Dental Endodontic/Periodontal  Treatment and Denture Services

Periodontal scaling and root planing: 8 units every 12 months 

Occlusal  equilibration:8 units every 12 months

Denture cleaning : 1 every 12 months 

Standard relining and rebasing of dentures: 1 every 3 years 

Comprehensive oral surgery