All Elements plans are made with one Health Benefits module, plus additional optional benefits modules to fit your needs. Begin by reviewing our three Health Benefits modules to find the right one for you.
*A Health Benefit module is required for every Elements plan. Maximums and restrictions may apply.
*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 |
| 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) |
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 | |
| $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 |
Optional: You may choose ONE of these modules
| Entry | Essential | 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) |
Optional
Critical Illness pays cash in the event of an unexpected illness or injury. Payouts are $25,000 for the member, $25,000 for a spouse, and $10,000 for dependents.
There are 16 covered conditions including: 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.
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.
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.
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