Compare Plans - CMMOTA

Type of Benefits

Level of Coverage

	Compare Plan LINK 4 Extensive coverage of the LINK plans, including prescription drugs, dental care, vision care and extended health care benefits plus preferred hospital accommodation and emergency medical travel protection. Guaranteed Acceptance	Compare Plan LINK 3 Generous coverage towards prescription drugs, dental care, vision care and extended health care along with preferred hospital accommodation and travel benefits. Dental coverage increases each year for the first three years and by year three, also includes major dental services like crowns and bridge work. Guaranteed Acceptance	Compare Plan LINK 2 Coverage for prescription drugs, vision care and extended health care benefits with preferred hospital accommodation. Plus, you’ll get dental and prescription drug benefits with maximums that increase each year for the first three years. Guaranteed Acceptance	Compare Plan LINK 1 The essentials – prescription drugs, vision care and extended health care benefits like registered specialists and therapists as well as preferred hospital accommodation. Guaranteed Acceptance	Compare Plan CORE 5 The CORE 5 health plan provides the most robust coverage of the CORE plans. It offers generous coverage for prescription drugs and dental care, vision care, extended health care and emergency medical travel coverage - which translates to fewer out-of-pocket expenses for you. This plan provides more extensive coverage and requires medical underwriting, so we ask that you answer some simple health-related questions when you apply. Health Questionnaire Required	Compare Plan CORE 4 The CORE 4 health plan includes comprehensive coverage towards prescription drugs, dental care, vision care and extended health care along with emergency medical travel protection. Dental coverage increases each year for the first three years and starting in year three also includes major dental services like crowns and bridge work. This plan provides more extensive coverage and requires medical underwriting, so we ask that you answer some simple health-related questions when you apply. Health Questionnaire Required	Compare Plan CORE 3 The CORE 3 health plan includes generous coverage towards prescription drugs, vision care and extended health care along with emergency medical travel protection. This plan provides more extensive coverage and requires medical underwriting, so we ask that you answer some simple health-related questions when you apply. Health Questionnaire Required	Compare Plan CORE 2 The CORE 2 health plan covers the essentials - prescription drugs, dental, vision care and extended health care benefits like registered specialists and therapists. Best of all your acceptance is guaranteed (as long as we receive your initial payment, of course) even with pre-existing conditions - with no medical questions or exams when you apply. Guaranteed Acceptance	Compare Plan CORE 1 The CORE 1 health plan offers basic coverage for extended health care benefits like vision, registered specialists and therapists. Plus, you'll get a dental plan with maximums that increase each year for the first three years. Best of all your acceptance is guaranteed (as long as we receive your initial payment, of course) even with pre-existing conditions - with no medical questions or exams when you apply. Guaranteed Acceptance
Coverage
Guaranteed Acceptance vs. Health Questionnaire Required					-	-	-
	Guaranteed Acceptance No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!	Guaranteed Acceptance No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!	Guaranteed Acceptance No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!	Guaranteed Acceptance No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!	Health Questionnaire Required Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.	Health Questionnaire Required Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.	Health Questionnaire Required Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.	Guaranteed Acceptance No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!	Guaranteed Acceptance No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!
Prescription Drugs									-
Maximums	Maximums: Pays 80% up to Year 1: $2,300 Year 2: $2,400 Year 3: $2,500 Year 4+: $2,700 per person per year	Maximums: Pays 80% up to Year 1: $1,200 Year 2: $1,350 Year 3+: $1,500 per person per year	Maximums: Pays 80% up to Year 1: $750 Year 2: $900 Year 3+: $1,100 per person per year	Maximums: Pays 80% up to Year 1: $500 Year 2: $650 Year 3+: $800 per person per year	Maximums: Pays 90% up to $12,500 per person per year	Maximums: $6,000 per person per year Year 1: Pays 70% subject to annual maximum Year 2: Pays 80% subject to annual maximum Year 3+: Pays 90% subject to annual maximum	Maximums: $3,000 per person per year Year 1: Pays 70% subject to annual maximum Year 2: Pays 80% subject to annual maximum Year 3+: Pays 90% subject to annual maximum	Maximums: $550 per person per year Year 1: Pays 60% subject to annual maximum Year 2: Pays 70% subject to annual maximum Year 3+: Pays 80% subject to annual maximum
Dental				-			-
Overall Maximums	Overall Maximums: Year 1: $1,000 Year 2: $1,250 Year 3+: $1,750 per person per year	Overall maximums: Year 1: $750 Year 2: $1,000 Year 3+: $1,250 per person per year	Overall maximums: Year 1: $600 Year 2: $800 Year 3+: $1,000 per person per year		Overall maximums: Year 1: $900 Year 2: $1,100 Year 3+: $1,300 per person per year	Overall maximums: Year 1: $700 Year 2: $850 Year 3+: $1,000 per person per year		Overall maximums: $500 per person per year	Overall maximums: Year 1: $500 Year 2: $700 Year 3+: $900 per person per year
Recall Frequency	6 months	9 months	9 months		6 months	9 months		9 months	9 months
Basic Services	Pays 80%, subject to annual maximum	Pays 80%, subject to annual maximum	Pays 80%, subject to annual maximum		Year 1: Pays 80% subject to annual maximum Year 2+: Pays 90% subject to annual maximum	Year 1: Pays 70% subject to annual maximum Year 2+: Pays 80% subject to annual maximum		Year 1: Pays 60% subject to annual maximum Year 2: Pays 70% subject to annual maximum Year 3+: Pays 80% subject to annual maximum	Pays 80%, subject to annual maximum
Comprehensive Basic Services	Pays 80%, subject to annual maximum	Pays 80%, subject to annual maximum	Pays 80%, subject to annual maximum		Year 1: Pays 80% subject to annual maximum Year 2+: Pays 90% subject to annual maximum	Year 1: Pays 70% subject to annual maximum Year 2+: Pays 80% subject to annual maximum		Year 1: Pays 60% subject to annual maximum Year 2: Pays 70% subject to annual maximum Year 3+: Pays 80% subject to annual maximum	Pays 80%, subject to annual maximum
Major Services	Available in Year 3+: Pays 60%, subject to annual maximum	Available in Year 3+: Pays 50%, subject to annual maximum	Not included		Available in Year 3+: Pays 50% subject to annual maximum	Available in Year 3+: Pays 50% subject to annual maximum		Not included	Not included
Orthodontic Services	Available in Year 3+: Pays 60%, subject to a $2,000 lifetime orthodontics maximum per person	Not included	Not included		Available in Year 3+: Pays 50% subject to year 3+ annual maximum and $2,000 lifetime maximum	Not included		Not included	Not included
Vision
Prescription Eyeglasses, Contact Lenses, Laser Eye Surgery	Maximum: $300 per person every 2 years	Maximum: $250 per person every 2 years	Maximum: $200 per person every 2 years	Maximum: $150 per person every 2 years	Maximums: Year 1-2: $200 per person every 2 years Year 3-4: $250 per person every 2 years Year 5+: $300 per person every 2 years	Maximums: Year 1-2: $200 per person every 2 years Year 3-4: $250 per person every 2 years Year 5+: $300 per person every 2 years	Maximums: $175 per person every 2 years	Maximums: $150 per person every 2 years	Maximums: $100 per person every 2 years
Eye Examination	Maximum: $80 per person every 2 years	Maximum: $65 per person every 2 years	Maximum: $50 per person every 2 years	Maximum: $50 per person every 2 years	Maximum: $100 per person every 2 years	Maximum: $100 per person every 2 years	Maximum: $80 per person every 2 years	Maximum: $80 per person every 2 years	Maximum: $65 per person every 2 years
Extended Health Care
Professional Services / Registered Therapists	Maximums: $600 per person per practitioner, per year Up to $1,200 per person per year combined Massage Therapist, Acupuncturist Maximums: $50 per visit 20 visits per person per practitioner, per year Speech Therapist Maximum: $600 per person per year	Maximums: $400 per person per practitioner every year Massage Therapist, Acupuncturist Maximums: $40 per visit 20 visits per person per practitioner, per year Speech Therapist Maximum: $400 per person per year	Maximums: $300 per person per practitioner every year Massage Therapist, Acupuncturist Maximums: $20 per visit 15 visits per person per practitioner, per year Speech Therapist Maximum: $300 per person per year	Maximums: $20 per visit 15 visits per person per practitioner, per year Massage Therapist, Acupuncturist Maximums: $20 per visit 15 visits per person per practitioner, per year Speech Therapist Maximum: $300 per person per year	Maximums: $30 per visit $600 per person per practitioner, per year $2,000 combined per year Speech Therapist Maximum: $600 per person per year	Maximums: $25 per visit $400 per person per practitioner, per year $1,500 combined per year Speech Therapist Maximum: $400 per person per year	Maximums: $20 per visit $400 per person per practitioner, per year $1,500 combined per year Speech Therapist Maximum: $400 per person per year	Maximums: $20 per visit $400 per person per practitioner, per year $1,200 combined per year Speech Therapist Maximum: $400 per person per year	Maximums: $20 per visit $300 per person per practitioner, per year $1,000 combined per year Speech Therapist Maximum: $300 per person per year
Accidental Dental	Maximum: $10,000 per person per year	Maximum: $10,000 per person per year	Maximum: $5,000 per person per year	Maximum: $2,500 per person per year	Maximum: $10,000 per person per year	Maximum: $5,000 per person per year	Maximum: $5,000 per person per year	Maximum: $3,000 per person per year	Maximum: $3,000 per person per year
Ambulance Transportation	Includes land and air	Includes land and air	Includes land and air	Includes land and air	Includes land and air	Includes land and air	Includes land and air	Includes land and air	Includes land and air
Hearing Aids	Maximum: $600 per person every 4 years	Maximum: $500 per person every 4 years	Maximum: $400 per person every 4 years	Maximum: $300 per person every 4 years	Maximums: $500 per person every 4 years	Maximums: Year 1-4: $350 per person every 4 years Year 5+: $500 per person every 4 years	Maximums: Year 1-4: $350 per person every 4 years Year 5+: $500 per person every 4 years	Maximums: $350 per person every 4 years	Maximums: $300 per person every 4 years
Medical Services	Diagnostic tests and x-rays, dialysis equipment, laboratory tests Maximum: $2,000 per person per year	Diagnostic tests and x-rays, dialysis equipment, laboratory tests Maximum: $2,000 per person per year	Diagnostic tests and x-rays, dialysis equipment, laboratory tests Maximum: $2,000 per person per year	Diagnostic tests and x-rays, dialysis equipment, laboratory tests Maximum: $2,000 per person per year	Diagnostic tests and x-rays, dialysis equipment, laboratory tests Maximum: $3,000 per person per year	Diagnostic tests and x-rays, dialysis equipment, laboratory tests Maximum: Year 1: $2,000 Year 2: $2,500 Year 3+: $3,000 per person per year	Diagnostic tests and x-rays, dialysis equipment, laboratory tests Maximum: Year 1: $2,000 Year 2: $2,500 Year 3+: $3,000 per person per year	Diagnostic tests and x-rays, dialysis equipment, laboratory tests Maximum: Year 1: $1,500 Year 2: $2,000 Year 3+: $2,500 per person per year	Diagnostic tests and x-rays, dialysis equipment, laboratory tests Maximum: Year 1: $1,000 Year 2: $1,500 Year 3+: $2,000 per person per year
Medical Items and Home Support Services (in-home nursing)	Separate maximums for Medical Items and Home Support Services Maximums: $5,000 per person per benefit category, per year CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage.	Separate maximums for Medical Items and Home Support Services Maximums: $5,000 per person per benefit category, per year CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage.	Separate maximums for Medical Items and Home Support Services Maximums: $2,500 per person per benefit category, per year CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage.	Separate maximums for Medical Items and Home Support Services Maximum: $1,500 per person per benefit category, per year CPAP, BiPAP, APAP and/or AMP machines and supplies are eligible for coverage.	Separate maximums for Medical Items and Home Support Services Maximums: Year 1: $3,000 Year 2: $4,000 Year 3: $5,000 Year 4+: $6,000 per person per benefit category, per year Please note: CPAP, BIPAP, APAP and/or AMP machines and supplies are eligible for coverage with a max. of $500 in Year 1 and $500 in Year 2.	Separate maximums for Medical Items and Home Support Services Maximums: Year 1: $2,000 Year 2: $2,500 Year 3: $3,000 Year 4+: $3,500 per person per benefit category, per year Please note: CPAP, BIPAP, APAP and/or AMP machines and supplies are eligible for coverage with a max. of $500 in Year 1 and $500 in Year 2.	Separate maximums for Medical Items and Home Support Services Maximums: Year 1: $2,000 Year 2: $2,500 Year 3: $3,000 Year 4+: $3,500 per person per benefit category, per year Please note: CPAP, BIPAP, APAP and/or AMP machines and supplies are eligible for coverage with a max. of $500 in Year 1 and $500 in Year 2.	Separate maximums for Medical Items and Home Support Services Maximums: Year 1: $1,500 Year 2: $2,000 Year 3: $2,500 Year 4+: $3,000 per person per benefit category, per year Please note: CPAP, BIPAP, APAP and/or AMP machines and supplies are eligible for coverage with a max. of $500 in Year 1 and $500 in Year 2.	Separate maximums for Medical Items and Home Support Services Maximums: Year 1: $1,000 Year 2: $1,500 Year 3: $2,000 Year 4+: $2,500 per person per benefit category, per year Please note: CPAP, BIPAP, APAP and/or AMP machines and supplies are eligible for coverage with a max. of $500 in Year 1 and $500 in Year 2.
Travel
Multi-Trip Emergency Medical Travel Coverage Out-of-province or Country	Maximums: 15 days per trip $5,000,000 per person per year	Maximums: 15 days per trip $5,000,000 per person per year	Maximums: 10 days per trip $5,000,000 per person per year	Maximums: 10 days per trip $5,000,000 per person per year	Maximums: 30 days per trip $5,000,000 per person per year	Maximums: 30 days per trip $5,000,000 per person per year	Maximums: 15 days per trip $5,000,000 per person per year	Maximums: 15 days per trip $5,000,000 per person per year	Maximums: 15 days per trip $5,000,000 per person per year
Optional Hospital Accommodation
	This benefit is automatically included. It pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence. Maximums: $250 per person per day 30 days per year	This benefit is automatically included. It pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence. Maximums: $200 per person per day 30 days per year	This benefit is automatically included. It pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence. Maximums: $200 per person per day 30 days per year	This benefit is automatically included. It pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence. Maximums: $200 per person per day 30 days per year	Optional benefit pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province or territory of residence. Maximum: Up to 30 days per person per year	Optional benefit pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province or territory of residence. Maximum: Up to 30 days per person per year	Optional benefit pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province or territory of residence. Maximum: Up to 30 days per person per year	Optional benefit pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province or territory of residence. Maximum: Up to 30 days per person per year	Optional benefit pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province or territory of residence. Maximum: Up to 30 days per person per year
Care
Telemedicine
Telemedicine	GreenShield Telemedicine 4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year	GreenShield Telemedicine 4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year	GreenShield Telemedicine 4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year	GreenShield Telemedicine 4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year	GreenShield Telemedicine 4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year	GreenShield Telemedicine 4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year	GreenShield Telemedicine 4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year	GreenShield Telemedicine 4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year	GreenShield Telemedicine 4 virtual visits per family every year with a licensed general health care practitioner, available 24/7, 365 days a year
Mental Health Services
Mental Health Services	Psychologist / Psychotherapist / Registered Social Worker Maximum: $600 per person per year, combined GreenShield Mental Health 4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit	Psychologist / Psychotherapist / Registered Social Worker Maximum: $600 per person per year, combined GreenShield Mental Health 4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit	Psychologist / Psychotherapist / Registered Social Worker Maximum: $600 per person per year, combined GreenShield Mental Health 4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit	Psychologist / Psychotherapist / Registered Social Worker Maximum: $600 per person per year, combined GreenShield Mental Health 4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit	Psychologist / Psychotherapist / Registered Social Worker Maximum: $600 per person per year, combined GreenShield Mental Health 4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit.	Psychologist / Psychotherapist / Registered Social Worker Maximum: $400 per person per year, combined GreenShield Mental Health 4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit.	Psychologist / Psychotherapist / Registered Social Worker Maximum: $400 per person per year, combined GreenShield Mental Health 4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit.	Psychologist / Psychotherapist / Registered Social Worker Maximum: $400 per person per year, combined GreenShield Mental Health 4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit.	Psychologist / Psychotherapist / Registered Social Worker Maximum: $300 per person per year, combined GreenShield Mental Health 4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit.
GreenShield Pharmacy
GreenShield Pharmacy	GreenShield Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada. * Pharmacy services in Quebec provided by Medzy \| Pharmacie Sonia Boutin Inc.	GreenShield Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada. * Pharmacy services in Quebec provided by Medzy \| Pharmacie Sonia Boutin Inc.	GreenShield Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada. * Pharmacy services in Quebec provided by Medzy \| Pharmacie Sonia Boutin Inc.	GreenShield Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada. * Pharmacy services in Quebec provided by Medzy \| Pharmacie Sonia Boutin Inc.	GreenShield Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada. * Pharmacy services in Quebec provided by Medzy \| Pharmacie Sonia Boutin Inc.	GreenShield Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada. * Pharmacy services in Quebec provided by Medzy \| Pharmacie Sonia Boutin Inc.	GreenShield Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada. * Pharmacy services in Quebec provided by Medzy \| Pharmacie Sonia Boutin Inc.	GreenShield Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada. * Pharmacy services in Quebec provided by Medzy \| Pharmacie Sonia Boutin Inc.	GreenShield Pharmacy makes it easy for you to access all your pharmacy services from the comfort and privacy of home. Book a clinical consultation with our pharmacists, receive refill reminders, access to your medication information online and get free delivery of your prescription medications anywhere in Canada. * Pharmacy services in Quebec provided by Medzy \| Pharmacie Sonia Boutin Inc.