Flexible for you
What are my choices?
Mix and Match modules that fit your needs. Choose only what you need with
Health Benefits
Accidental Death & Dismemberment
Accidental Dental
Ambulance
Chronic Disease Management
Diabetic Supplies
Health Practitioners
Acupuncturist
Audiologist
Chiropodist /Podiatrist
Chiropractor
Dietician
Massage Therapist
Naturopath
Occupational Therapist
Osteopath
Physicotherapist/Athletic Therapist
Psychologist / Social Worker
Speach Therapist
Hearing Aids
Wellness Program -inConfidence
Medical Equipment
Mobility Aids
Nursing Care
Orthotics/Orthopedic (custom)
Ostomy Supplies
Oxygen
Prosthetics
Semi-Private Hospital
Travel
Vision Care
REQUIRED
choose one (1) of these modules
entry
essential
Enhanced
60% Coverage
-
$7,000/Lifetime
-
$250
-
-
$250 / yr
$250 / yr
$250 / yr
$250 / yr
-
-
$250 / yr
$250 / yr
$250 / yr
$250 / yr
$250 / yr
-
✓
-
✓
-
$150 / yr
-
-
-
-
-
$100 / 2 year (6 mo wait)
70% Coverage
$10,000 & $5,000
$7,000/Lifetime
$420
$400
✓
$400 / yr
$400 / yr
$400 / yr
$400 / yr
$400 / yr
$400 / yr
$400 / yr
$400 / yr
$400 / yr
$400 / yr
$400 / yr
$400 / yr
$400 / 5 yr (6mo wait)
✓
✓
✓
$3,500 / 2yr
$150 / yr
✓
✓
$10,000/ LT
-
-
$150 / 2 year (6 mo wait)
80% Coverage
$15,000 & $5,000
$7,000/Lifetime
$420
$500
✓
$500 / yr
$500 / yr
$500 / yr
$500 / yr
$500 / yr
$500 / yr
$500 / yr
$500 / yr
$500 / yr
$500 / yr
$500 / yr
$500 / yr
$500 / 5 yr (6 mo wait)
✓
✓
✓
$5,600 / 2 yr
$225 / yr
✓
✓
$10,000/ LT
100% / 90 days
100% / 30 days
$300 / 2 year (6 mo wait)
Drug Benefits
OPTIONAL
You may choose one (1) of these modules
100% after $4,500 eligible claims / yr
Maximum co-pay per prescription
Maximum out of pocket co-pay / yr
No overall benefit maximum / yr
Birth Control
Smoking Cessation Drugs
Fertility Drugs
Allergy Serums
Erectile Dysfunction Drugs
Vaccines
essential
70% Coverage
✓
$100
$1,350
✓
✓
$800 / 5yr
-
-
-
-
Enhanced
80% Coverage
✓
$50
$900
✓
✓
$800 / 5yr
$1,500 / yr up to $3,000 /LT
$500 / yr
$250 / yr
$250 / yr
OPTIONAL
You may choose one (1) of these modules
Dental Exam & Cleaning
X-rays
Fillings
Extractions
Root Canals
Periodontal services
Major Dental
Orthodontics (age 18 and under)
entry
essential
Enhanced
60% Coverage - $500 / yr
✓ (3 mo wait)
✓ (3 mo wait)
✓ (3 mo wait)
-
-
-
-
-
80% Coverage
✓ (6 mo wait)
✓ (6 mo wait)
✓ (6 mo wait)
✓ (6 mo wait)
✓ (6 mo wait)
60% - $1,200 / yr (24 mo wait)
60% - $500 / yr (24 mo wait)
60% - $1,500 / lt (24 mo wait)
70% Coverage
✓ (6 mo wait)
✓ (6 mo wait)
✓ (6 mo wait)
✓ (6 mo wait)
✓ (6 mo wait)
-
-
-
dental Benefits
additional modules
OPTIONAL - You may choose any of these modules
Critical Illness
Critical Illness pays cash in the event of an unexpected illness. Covered conditions include Alzheimer’s Disease, Blindness, Burns, Coma, Deafness, Life Threatening Cancer, Loss of Speech, Major Organ Failure, Major Organ Failure requiring transplant, Motor Neuron Disease, Multiple Sclerosis, Paralysis, Parkinson’s Disease, Senile Dementia, Severe Heart Attack, Severe Stroke.
Hospital Cash
$100 per day for up to 100 days per year when hospitalized. If over the age of 65, benefit is limited to 30 days per year.
Assured Access
Assured Access allows you to put your coverage on hold should you acquire group health benefits and to reactivate your health plan later without needing to qualify again medically.
Maximums and restrictions may apply
Did you know?
Self-employed individuals can
report health plans as a business expense for income tax purposes
Individual health insurance plans can be used as a personal tax deduction under medical expenses
elements can be upgraded without underwriting at key life events