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Proposed Benefits

Health Plan Coverage


Prescription Drug Coverage
(Reimbursed at 80% up to $3,000 per benefit year. Based on the BC formulary)

Paramedical Practitioners
(The services of the following practitioners are covered at 80% up to $25 per visit, with an annual maximum of $300 per person, per type of practitioner, per benefit year)
• Chiropractor
• Physiotherapist*
• Registered Massage Therapist*
• Psychologist or Social Worker
• Speech Therapist*
• Podiatrist or Chiropodist*

Medical Equipment
(wheel chairs, walkers, hospital beds, traction kits, braces, crutches, splints, trusses, diabetic Supplies, such as blood glucose monitors and lancets, prosthesis)

Orthopaedics
The plan covers 100% up to a combined maximum of $300 per benefit year for custom-made foot orthotics and/or orthopedic shoes, repairs and modifications

Private Duty Nurse
Reimbursed at 100% to a maximum of $10,000 per benefit year

Hospital, Ambulance
Ambulance covered at 100%
Hospital ward coverage included

Vision Coverage
$100 every 24 months for eye exam and/or frames/lenses/contact lenses

Travel Coverage
100% coverage up to a maximum of $2,000,000
Covers students while travelling outside of the country for up to 180 days per trip

*physician’s prescription/referral required.

Dental Plan Coverage


Overall plan maximum of $600 per benefit year

Basic Dental Services
The plan covers 80% for basic dental services:
• Recall exams include bitewing X-rays, fluoride treatments and cleanings once every 12 months, based on first paid claim
• Complete, general or comprehensive oral exams, full mouth x-rays and panoramic x-rays, once every 3 years based on first paid claim
• Basic restorations, fillings and inlays

Extractions
The plan covers 50% for services associated oral surgery, including: extractions, not more than 2 wisdom teeth per benefit year

Endodontic, Periodontic, and Other Oral Surgery
The plan covers 20% of endodontic, periodontic, and other oral surgery including:
• root canal therapy
• occlusal equilibration, not more than 4 units per benefit year
• periodontal appliances, not more than 1 appliance per arch in any period of 24 months
• periodontal appliance repairs, maintenance and adjustments, not more than 4 adjustments per benefit year
• other oral surgical services