Replacement Health Insurance

No longer covered by an employee benefits package? Don’t stress; we’re here to help.

From retiring to launching your own business, we know leaving a job can interrupt your everyday wellness plan and cause unnecessary stress as you start a new adventure. Make your transition as smooth as possible with one of our Replacement Health Coverage plans. With guaranteed acceptance and no medical questions, enrolling is seamless and hassle-free.

Questions?

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We offer three options to support you on your new adventure.

PremierPlan

PremierPlan is the best plan to cover your current and future health care needs, no matter what. Whether you’re changing jobs, starting a new venture or retiring, this plan allows you to adapt to your new lifestyle without having to lose the health benefits coverage you’re used to, guaranteed.

Benefits include:

  • Prescription drugs, including ones you’re already taking
  • Dental
  • Emergency medical travel coverage

This plan is called “Premier” for a reason – it provides the most complete coverage available and allows you to take care of your family even when your employment situation changes. It provides up to $1,750 per year for prescriptions and 100 per cent coverage for services such as massage and physio. It covers your everyday and emergency medical needs and offers our highest benefit for eye exams and glasses. Emergency medical travel coverage is included for trips up to 15 days outside of Canada and 183 days within Canada.

Check out the chart below for a list of full plan benefits and to compare your options.

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ChoicePlan

This plan covers all you need to live well.

Benefits include:

  • Prescription drugs, including ones you’re already taking
  • Glasses and contacts
  • Emergency medical travel coverage

With this plan you can be in control of your own health, without costing you a fortune. ChoicePlan provides benefit coverage for a wide variety of health needs, from prescriptions to dental to emergency hospital stays.

With this plan you’ll get up to $1,000 per year for prescriptions and 80% coverage for services such as acupuncture and chiro. You’ll also get a generous benefit for preferred hospital rooms and private-duty nursing. Plus, you get emergency medical travel coverage for an unlimited number of trips up to seven days outside of Canada and 183 days within Canada. The best part of this plan is the comfort in knowing you can keep your loved ones healthy and happy.

Check out the chart below for a list of full plan benefits and to compare your options.

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EssentialPlan

This plan covers the essentials that aren’t part of a government health plan and allows you to keep living a healthy lifestyle.

Benefits include:

  • Eye exams and glasses
  • Chiro, naturopath and massage treatments
  • Dental

This plan will help keep you covered as your health needs change. Covering a wide number of needs that aren’t covered by government insurance, you can keep yourself and your family protected, no matter what.

Plan for emergencies

EssentialPlan covers the added costs of an emergency, from ambulance rides, both road and air, to the cost of medical equipment such as crutches or wheelchairs. With this plan, you don’t have to worry about anything other than the important things during an emergency.

Check out the chart below for a list of full plan benefits and to compare your options.

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Guaranteed acceptance so you don’t have to worry

Life is full of exciting changes, and we want to make sure you can enjoy them. If you’re leaving a group benefits plan, we’re happy to offer you guaranteed acceptance for our Replacement Health Coverage. We won’t even bother you with pesky medical questions – all you have to do is apply and we’ll get you started!

Our plans complement your lifestyle.

We do our best to make your life easy.

  • Send us your claim online and sign up for direct deposit, so you can get your money back faster.
  • Pharmacies, dentists as well as health and vision practitioners can directly bill us for covered expenses, no need for you to submit a claim.
  • Get discounts on eyewear at Factory Optical and Optiks International. Find out more >

Let's compare your options.

PremierPlan

ChoicePlan

EssentialPlan

Prescription Drugs

80% to $1,750

80% to $1,000

Not included

Dental Care

  • 80% preventative & basic
  • 50% major
  • $1,500 combined maximum
  • 80% preventative & basic
  • 50% major
  • $1,250 combined maximum
  • 80% preventative & basic
  • 50% major
  • $1,000 combined maximum

Accidental Dental

$2,000 / injury

$2,000 / injury

$2,000 / injury

Private Duty Nursing

80% to $5,000

80% to $3,000

80% to $1,000

Preferred Hospital Room

80% to $10,000 annual maximum

80% to $5,000 annual maximum

80% to $2,000 annual maximum

Custom Made Foot Orthotics & Orthopedic Shoes

$300

$300

$300

Health Practitioners

$600 combined maximum

80% to $600 combined maximum

50% to $600 combined maximum

Vision Care

$300 / 2 years combined maximum

$150 / 2 years combined maximum

$100 / 2 years combined maximum

Hearing Aids

$800 / 5 years

$500 / 5 years

$500 / 5 years

Ground & Air Ambulance

Unlimited

Unlimited

Unlimited

Funeral Expenses

$4,000

$4,000

$4,000

Medical Equipment & Supplies

  • $3,000 combined maximum
  • $500 / item limit on most equipment and supplies
  • $250 limit on embolic stockings
  • $2,500 lifetime limit on sleep apnea machine
  • $3,000 combined maximum
  • $500 / item limit on most equipment and supplies
  • $250 limit on embolic stockings
  • $2,500 lifetime limit on sleep apnea machine
  • $3,000 combined maximum
  • $500 / item limit on most equipment and supplies
  • $250 limit on embolic stockings
  • $2,500 lifetime limit on sleep apnea machine

Wheelchairs, Motorized Scooters & Adjustable Beds

80% to $10,000 combined lifetime maximum

80% to $10,000 combined lifetime maximum

80% to $10,000 combined lifetime maximum

Artificial Limbs, Eyes & Larynx

$10,000 combined lifetime maximum

$10,000 combined lifetime maximum

$10,000 combined lifetime maximum

Breast Prosthesis

$325 single / 2 years $650 bi-lateral / 2 years

$325 single / 2 years $650 bi-lateral / 2 years

$325 single / 2 years $650 bi-lateral / 2 years

Annual Travel

  • 15 days out of Canada
  • 183 within Canada
  • 7 days out of Canada
  • 183 within Canada
Not included
See More

This is a summary of benefits. Please refer to the policy wording for complete details.

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