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Guaranteed Acceptance Plans (No Health Questionnaire)
Medically Underwritten Plans (Health Questionnaire Required)
Exclusive for Those Losing Employee Group Benefits (No Health Questionnaire)
Prescription Drugs
Health Assist plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered.
Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.
Recall frequency refers to the frequency that routine dental exams are eligible for coverage. This would include the exam and services like preventative cleaning (polishing, scaling) and bite wing x-rays.
Basic Services include coverage towards:
- Preventative cleaning
- Routine examinations, x-rays
- Fillings and extractions
- Flouride treatment for children
Comprehensive Basic Services include coverage towards:
- Endodontic treatment – root canal therapy
- Periodontal treatment – scaling and root planning, occlusal adjustment, equilibration
- Dentures repairs, rebasing, relining
Major Services include coverage towards:
- Crowns and onlays
- Dentures
- Bridgework
Orthodontic Services include coverage towards:
- Straightening teeth and correcting the bite
Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.