Healthcare Insurance

This page provides you with the opportunity to review the various medical coverage options, choose one and allocate flex dollars. If you click on the coverage descriptions underlined in blue you will be provided with a brief description about that option. Detailed information is provided in "Plan Details". If your spouse has coverage and you do not want an option you can click on the "Waive Coverage" button and provide information about your spouse's plan. If you wish to co-ordinate benefits with your spouse's plan, benefits paid will not exceed 100% of the eligible claim. The insurer has the right to receive and release information on benefits and, if necessary, collect any overpayments made by it.

Healthcare Insurance	OPTION 1	OPTION 2	OPTION 3	OPTION 4
	No coverage option - Out-of-country emergency services and Global Medical assistance coverage only (please refer to your benefits booklet for further details)	80% prescription drugs; includes Dispensing Fee as the deductible; 100% In-Canada hospital; 100% out-of-country; 80% all other healthcare expenses; $500 orthotics per plan year; $500 paramedical practitioner per plan year (please refer to your benefits booklet for further details)	90% prescription drugs; includes Dispensing Fee as the deductible; 100% In-Canada hospital; 100% out-of-country; 90% all other healthcare expenses; $500 orthotics per plan year; $1000 paramedical practitioner per plan year (please refer to your benefits booklet for further details)	This option has a two year lock-in. 100% prescription drug; includes Dispensing Fee as the deductible; 100% In-Canada hospital; 100% out-of-country; 100% all other healthcare expenses; $500 orthotics per plan year; $1500 paramedical practitioner per plan year (please refer to your benefits booklet for further details)