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Modules Comparison

Build your Elements plan with one Health Benefits module,
and then add optional benefits modules to fit your needs.

To start, pick one of our three Health Benefits modules.

Your base module: Health Benefits

1. Entry 2. Essential 3. Enhanced
Coverage
60% 70% 80%
Accidental Death and Dismemberment
$10,000 & $5,000 $15,000 & $5,000
Accidental Dental
$7,000 / lifetime $7,000 / lifetime $7,000 / lifetime
Acupuncturist
$400 / year $500 / year
Ambulance
$420 $420
Audiologist
$250 / year $400 / year $500 / year
Chiropodist/Podiatrist
$250 / year $400 / year $500 / year
Chiropractor
$250 / year $400 / year $500 / year
Managing Chronic Disease (Ongoing education and support for better health)
$250 / year $400 / year $500 / year
Diabetic supplies
Dietician
$250 / year $400 / year $500 / year
Hearing Aids/Repairs
$400 / 5 years (6 months wait) $500 / 5 years (6 months wait)
Wellness Program – inConfidence (24 hour confidential advice and support for personal issues)
Massage Therapist
$400 / year $500 / year
Medical Equipment
Mobility Aids
Naturopath
$400 / year $500 / year
Nursing Care
$3,500 / 2 years $5,600 / 2 years
Occupational Therapist
$250 / year $400 / year $500 / year
Osteopath
$250 / year $400 / year $500 / year
Orthotics/Orthopedic (custom)
$150 / year $150 / year $225 / year
Ostomy Supplies
Oxygen
Physiotherapist/Athletic Therapist
$250 / year $400 / year $500 / year
Prosthetics
$10,000 / lifetime $10,000 / lifetime
Psychologist/Social Worker
$250 / year $400 / year $500 / year
Semi-Private Hospital
100% / 90 days
Speech Therapist
$250 / year $400 / year $500 / year
Travel
100% / 30 days
Vision Care
$100 / 2 years (6 months wait) $150 / 2 years (6 months wait) $300 / 2 years (6 months wait)

Next, explore optional benefits that you can pick and choose from to add to your Elements plan.

Your optional benefits modules:


Drug Benefits

You can add one of the two optional Drug Benefits modules to your Elements plan.

1. Essential 2. Enhanced
Coverage
70% 80%
Coverage (after eligible claims reach $4,500 in a year)
100% 100%
Overall benefit maximum per year
None None
Maximum co-pay per prescription
$100 $50
Maximum out of pocket co-pay per year
$1,350 $900
Birth Control
Smoking Cessation
$800 / 5 calendar years $800 / 5 calendar years
Fertility Drugs
$1,500 / year up to $3,000 / lifetime
Vaccines
$250 / year
Allergy Serums
$500 / year
Erectile Dysfunction
$250 / year


Dental Benefits

You can add one of the two optional Drug Benefits modules to your Elements plan.

1. Entry2. Essential3. Enhanced
Basic Dental Coverage
60% ($500/year)70%80%
Dental Exam & Cleaning (Entry: 3 month wait; Essential and Enhanced: 6 month wait)
X-rays (Entry: 3 month wait; Essential and Enhanced: 6 month wait)
Fillings (Entry: 3 month wait; Essential and Enhanced: 6 month wait)
Extractions (6 month wait)
Root Canals (6 month wait)
Periodontal Services Coverage (24 month wait)
60% ($1,200 / year)
Major Dental Coverage (24 month wait)
60% ($500 / year)
Orthodontics Coverage (age 18 and under; 24 month wait)
60% ($1,500 / lifetime)


Critical Illness

You can add this optional benefit module to your Elements plan.

Critical Illness pays cash in the event of an unexpected illness or injury.

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

You can add this optional benefit module to your Elements plan.

$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

You can add this optional benefit module to your Elements plan.

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.

Get a free estimate

Get an estimate of your customized Elements plan.
It only takes a moment to find out your rate, and there’s no obligation.

Have more questions?

We’re ready to help you!

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