Elements Modules Comparison

Pick and choose your own customized plan to suit your needs.

Health Benefits*

*Required: You must begin with ONE of these modules

Entry	Essential	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
Chronic Disease Management
$250	$400	$500
Diabetic supplies
—	✓	✓
Dietician
$250 / year	$400 / year	$500 / year
Hearing Aids
—	$400 / 5 years (6 months wait)	$500 / 5 years (6 months wait)
inConfidence for Individual (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)

Drug Benefits

Optional: You may choose ONE of these modules

Essential	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
$50	$50
Maximum out of pocket co-pay per year
$1,350	$900
Birth Control
✓	✓
Fertility Drugs
—	$1,500 / year up to $3,000 / lifetime
Allergy Serums
—	$500 / year
Smoking Cessation
$800 / 5 calendar years	$800 / 5 calendar years

Dental Benefits

Optional: You may choose ONE of these modules

Entry	Essential	Enhanced
Basic Dental Coverage
60% ($500/year)	70%	80%
Dental Exam & Cleaning (6 month wait)
✓	✓	✓
X-rays (6 month wait)
✓	✓	✓
Fillings (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

Optional

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

Optional

$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

Optional

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.

*A Health Benefit module is required for every Elements plan.
Maximums and restrictions may apply.

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