Medical Options
There are four medical options to choose from. The available options provide different levels of coverage for various medical needs (hospital stays, prescription drugs, vision, nursing etc.).
| Feature | Option 1 | Option 2 | Option 3 | Option 4 |
|---|---|---|---|---|
Hospital Accommodation
|
Provincial coverage only | No coverage | 80% (100% after 30 consecutive days) | 90% (100% after 15 consecutive days) |
Prescription Drugs
|
Provincial coverage only | 20%
$8.00 pharmacy dispensing fee cap |
80%
$8.00 pharmacy dispensing fee cap |
90%
$8.00 pharmacy dispensing fee cap |
| Medical Supplies Services Supplies and services with special limits:
|
Provincial coverage only | 20%
20% up to $400/ year per practitioner |
80% to overall lifetime maximum
80% up to $400 / year per practitioner (except $1,000 for physiotherapist or psychologist) |
90% to overall lifetime maximum
90% up to $600 / year per practitioner (except $1,200 for physiotherapist or psychologist) |
| Medical Supplies Services Supplies and services with special limits:
|
Provincial coverage only | No coverage | 80% up to $100,000 / lifetime | 90% up to $100,000 / lifetime |
| Medical Supplies Services Supplies and services with special limits:
|
Provincial coverage only | No coverage | 80% up to $300 every 5 years | 90% up to $500 every 5 years |
| Medical Supplies Services Supplies and services with special limits:
|
Provincial coverage only | No coverage | 80% up to $250 / year (custom made shoes or custom made inserts only) | 90% up to $350 / year (custom made shoes or custom made inserts only) |
| Medical Supplies Services Supplies and services with special limits:
|
Provincial coverage only | 20% to a maximum of $150 every two years | 80% up to $150 / year (if under 18) 80% up to $150 / 2 years | 90% up to $250 / year (if under 18) 90% up to $250 / 2 years |
| Preventive Vaccines | No coverage | No coverage | No coverage | 90% up to $250/yr |
| Deductible | None | None | None | None |
| Annual Out-of-Pocket Maximum (applies to drugs only) | None | None | $770 (single) or $1,100 (family) | $385 (single) or $550 (family) |
| Overall Lifetime Maximum | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Out-of-Country (Emergency, Referral) | 100% up to $5,000,000 / lifetime (ward room) | 100% up to $5,000,000 / lifetime (ward room) | 100% up to $5,000,000 / lifetime (semi-private room) | 100% up to $5,000,000 lifetime (semi-private room) |
| Travel Assistance | Included | Included | Included | Included |
** Hewlett Packard Enterprise covers licensed chiropractors, osteopaths, podiatrists, massage therapists, speech therapists, physiotherapists, and psychologists, and the services, but not the products, of acupuncturists and naturopaths.