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Start with EHC benefits and add different levels of drug and/or dental coverage. Then click on "Calculate Your Premium" to get monthly premium for the plan of your choice.

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Basic Extended
Health Care Plan

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AGE < 45 : Below are your benefits, including protection against unexpected health care costs and coverage toward your dental expenses, a potent combination as you build for the future.

AGE 45 - 59 : Below are your comprehensive benefits covering routine and unexpected medical costs, prescription drugs and dental expenses for you and your loved ones.

AGE 60 - 64 : Below are your health benefits, which include coverage for registered massage therapy and protection against unforeseen medical costs.

AGE 65 + : Below are your benefits, designed to give you only what you need, so you can spend less on health care and more on exploring.

Plan Details

Choose from one of our pre-packaged plans or build your own customized plan by choosing the EHC coverage you want, and add optional Drug and/or Dental coverage.

All our plans start with Basic Extended Health Care (EHC), and allow you to add optional Drug and/or Dental coverage.

Step 1: Choose an Extended Health Care (EHC) Plan:

Change to Enhanced EHC Plan

A solid foundation for your health and dental plan with:

  • Up to $250,000 during your lifetime for qualified medical expenses not covered by your provincial government;
  • $300 per registered specialists and therapists, such as chiropractors and massage therapists during your 1st year of enrollment;
  • $1,000 for registered nurses and medically necessary equipment during your 1st year of enrollment.

Includes: benefit amounts that increase in value over time, CAA Pay Direct Card for fast, convenient claims submissions.

Included in all Basic EHC plans:
  • Lifetime Maximum

    $250,000

    Excludes Vision Care, Accidental Death & Dismemberment and Hospital benefits

  • Registered Specialists and Therapists

    Covers visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists

    Maximum claims paid per each paramedical service:

    Year 1&2: $300/year
    Year 3+: $400/year

    Maximum per visit: $20
    Maximum/year for chiropractic x-rays: $35

    Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

  • Registered Specialists and Therapists - Psychologist

    Covers visits to Psychologists.

    Maximum per first visit: $80
    Maximum for subsequent visit: $60
    Maximum visits/year: 10

  • Registered Specialists and Therapists - Speech Therapist

    Covers visits to Speech Therapists.

    Maximum per first visit: $65
    Maximum for subsequent visit: $40
    Maximum visits/year: 10 (15 for Seniors)

    Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

  • Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment

    Covers the services of registered health professionals including Registered Nurse, Registered Practical Nurse, Certified Home Support Worker, Occupational Therapist, or Registered Dietitian. Includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, hospital beds, non-electric wheelchairs, oxygen and other equipment recommended by a physician. Also includes artificial limbs, eyes, splints, casts and breast prostheses following mastectomies.

    Maximum per year for each of Homecare and Nursing, Prosthetic Appliances, and Durable Medical Equipment:

    Year 1: $1,000 (Seniors: $1,100)
    Year 2: $1,300 (Seniors: $1,500)
    Year 3: $1,500 (Seniors: $1,700)
    Year 4: $2,000 (Seniors: $2,500)
    Year 5+: $3,000/year (Seniors: $3,500/year)

  • Orthotics

    Custom-made orthotics: $225 maximum per person per anniversary year

  • Vision Care

    Covers the costs toward the purchase of prescription lenses and frames, contact lenses or laser eye surgery. This benefit does not include industrial safety glasses.
    Maximum per 2 years:
    Year 1&2: $100
    Year 3&4: $150
    Year 5+: $200

    Optometrist Visit (where not covered by government health insurance plan): $50 per 2 years

    Preferred Vision Services (PVS) - allows you to take advantage of discounts available through a specific network of providers and retailers. You can save up to 20% on eyewear purchases made at participating optical retailers, which includes lenses, frames and contact lenses, depending on where you shop. PVS discounts are also available for laser eye surgery. The complete listing of participating retailers and practitioners across Canada is easily accessible online or by phone.

  • Hearing Aids

    Covers the cost to purchase and/or repair up to the allowed maximum.
    Maximum for every 4 years:
    Year 1-4: $400 (Seniors: $500)
    Year 5+: $450 (Seniors: $600)

    Preferred Vision Services (PVS) discounts offer the added advantage of a 10% deduction, depending on the province of residence and hearing practitioner participation in the PVS network.

  • Accidental Dental Services

    Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.

    Maximum per year for natural teeth:
    Year 1: $2,000
    Year 2: $2,500
    Year 3: $3,000
    Year 4: $3,000
    Year 5+: $3,500/year

  • Accidental Death & Dismemberment

    Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

    Maximum payment for adults:
    Year 1: $10,000
    Year 2: $15,000
    Year 3: $15,000
    Year 4: $20,000
    Year 5+: $25,000

    Maximum payment for children and Seniors:
    Year 1: $10,000
    Year 2: $10,000
    Year 3: $10,000
    Year 4: $10,000
    Year 5+: $10,000

  • Ambulance Services

    Covers trips to hospitals in a licensed ambulance and covers charges up to the amount between what your provincial health plan covers and what is reasonable and customary.

    Unlimited ground transportation, includes air ambulance to a maximum of:
    Year 1-3: $4,000/year
    Year 4+: $5,000/year

    Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

  • Health Service Navigator®

    With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

    Covered.

  • Survivor Benefit

    Premiums will be waived for 1 year following the death of an adult Insured. This benefit will be available 1 year after the effective date of the policy.

    Covered.

  • Hospital Benefits

    Preferred hospital accommodation in excess of the standard ward room rate made by a general (acute care) hospital. Also included is a cash benefit in lieu of the room cost for each day you are not able to obtain preferred accommodation.
    Unlimited semi-private or private room accommodation (up to a maximum of $200 a day)
    $50 per day if a preferred room is not obtainable from first day (up to $1,200 per year)

    Available with Drug 2 plan.

Not included in the Basic EHC Plan:
  • Lifeline®† Response Service

    Designed to get help to you when you need it. For people coping with medical problems at home and wanting to live more independent lives.

    Not offered.

Lifeline® is a trademark of Lifeline Systems Inc.

Change to Basic EHC Plan

Our most comprehensive health care plan with:

  • Up to $350,000 during your lifetime for qualified medical expenses not covered by your provincial government;
  • A combined total of $750 for registered specialists and therapists, such as chiropractors and massage therapists during your 1st year of enrollment;
  • A combined total of $8,500 for registered nurses and medically necessary equipment during your 1st year of enrollment.

Includes: benefit amounts that increase in value over time, CAA Pay Direct Card for fast, convenient claims submissions.

Included in all Enhanced EHC plans:
  • Lifetime Maximum

    $350,000

    Excludes Vision Care, Accidental Death & Dismemberment and Hospital benefits

  • Registered Specialists and Therapists

    Covers visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists.

    Combined yearly maximums of:

    Year 1: $750
    Year 2: $750
    Year 3: $800
    Year 4: $800
    Year 5: $850

    Maximum/year for chiropractic x-rays: $35

    Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

  • Registered Specialists and Therapists - Psychologist

    Covers visits to Psychologists.

    Maximum per first visit: $80
    Maximum for subsequent visit: $60
    Maximum visits/year: 12

  • Registered Specialists and Therapists - Speech Therapist

    Covers visits to Speech Therapists.

    Maximum per first visit: $65
    Maximum for subsequent visit: $40
    Maximum visits/year: 12 (15 for Seniors)

    Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

  • Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment

    Covers the services of registered health professionals including Registered Nurse, Registered Practical Nurse, Certified Home Support Worker, Occupational Therapist, or Registered Dietitian. Includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, hospital beds, non-electric wheelchairs, oxygen and other equipment recommended by a physician. Also includes artificial limbs, eyes, splints, casts and breast prostheses following mastectomies.

    Combined yearly maximums for Homecare and Nursing, Prosthetic Appliances, and Durable Medical Equipment:

    Year 1: $8,500 (Seniors: $9,000)
    Year 2: $9,000 (Seniors: $9,500)
    Year 3+: $9,500/year (Seniors: $10,000/year)

  • Orthotics

    Custom-made orthotics: $225 maximum per person per anniversary year.

  • Vision Care

    Covers the costs toward the purchase of prescription lenses and frames, contact lenses or laser eye surgery. This benefit does not include industrial safety glasses.
    Maximum per 2 years:
    Year 1&2: $300
    Year 3&4: $350
    Year 5+: $400

    Optometrist Visit (where not covered by government health insurance plan): $50 per 2 years

    Preferred Vision Services (PVS) - allows you to take advantage of discounts available through a specific network of providers and retailers. You can save up to 20% on eyewear purchases made at participating optical retailers, which includes lenses, frames and contact lenses, depending on where you shop. PVS discounts are also available for laser eye surgery. The complete listing of participating retailers and practitioners across Canada is easily accessible online or by phone.

  • Hearing Aids

    Covers the cost to purchase and/or repair up to the allowed maximum.
    Maximum for every 4 years:
    Year 1-4: $500 (Seniors: $600)
    Year 5+: $600 (Seniors: $700)

    Preferred Vision Services (PVS) discounts offer the added advantage of a 10% deduction, depending on the province of residence and hearing practitioner participation in the PVS network.

  • Accidental Dental Services

    Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.

    Maximum per year for natural teeth:
    Year 1: $2,000
    Year 2: $2,500
    Year 3: $3,000
    Year 4: $3,000
    Year 5+: $3,500/year

  • Accidental Death & Dismemberment

    Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

    Maximum payment for adults:
    Year 1: $20,000
    Year 2: $30,000
    Year 3: $40,000
    Year 4: $50,000
    Year 5+: $75,000

    Maximum payment for children and Seniors:
    Year 1: $10,000
    Year 2: $15,000
    Year 3: $20,000
    Year 4: $25,000
    Year 5+: $37,500

  • Ambulance Services

    Covers trips to hospitals in a licensed ambulance and covers charges up to the amount between what your provincial health plan covers and what is reasonable and customary.

    Unlimited ground transportation, includes air ambulance to a maximum of:
    Year 1-3: $4,000/year
    Year 4+: $5,000/year

    Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

  • Health Service Navigator®

    With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

    Covered.

  • Survivor Benefit

    Premiums will be waived for 1 year following the death of an adult Insured.

    Covered.

  • Hospital Benefits

    Preferred hospital accommodation in excess of the standard ward room rate made by a general (acute care) hospital. Also included is a cash benefit in lieu of the room cost for each day you are not able to obtain preferred accommodation.
    Unlimited semi-private or private room accommodation (up to a maximum of $200 a day)
    $50 per day if a preferred room is not obtainable from first day (up to $1,200 per year)

    Available with Drug 3 plan.

  • Lifeline®† Response Service

    Designed to get help to you when you need it. For people coping with medical problems at home and wanting to live more independent lives.

    Covered - 2 years per lifetime

Lifeline® is a trademark of Lifeline Systems Inc.

Step 2: Option to add a Drug Plan:

This plan offers base coverage for prescription drugs:

  • Covers 70% of expenses for generic drugs with a maximum of $350 in the first year and $400/year in subsequent years.

This plan provides greater coverage for prescription drugs than Drug 1:

  • Covers 75% of expenses for generic drugs with a maximum of $3,000 in the first year, $4000 in year 2 and $5,000/year in subsequent years.

This is our most comprehensive drug plan and pays for brand-name drugs:

  • Covers 90% of expenses for brand-name drugs with a maximum of $6,000 in the first year, $7,500 in year 2 and $10,000/year in subsequent years.

DRUG 1

DRUG 2

DRUG 3

Prescription Drugs - Drug Coverage*

Drug 1

Covers 70% of expenses for generic drugs** to a maximum of:
Year 1: $350
Year 2+: $400/year

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, birth control, fertility drugs, and drugs not requiring a prescription are not covered under Drug Plans 1 and 2.
** Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.

Drug 2

75% of expenses for generic drugs** to a maximum of:
Year 1: $3,000
Year 2: $4,000
Year 3+: $5,000/year

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, birth control, fertility drugs, and drugs not requiring a prescription are not covered under Drug Plans 1 and 2.

** Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.

Drug 3

Covers 90% of expenses for brand-name drugs to a maximum of:
Year 1: $6,000
Year 2: $7,500
Year 3+: $10,000/year.

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, and drugs not requiring a prescription are not covered.

Prescription Drugs - Seniors’ Drug Coverage

Drug 1

100% coverage for generic drugs** to a maximum of $400/year.

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, birth control, fertility drugs, and drugs not requiring a prescription are not covered under Drug Plans 1 and 2.
** Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.

Drug 2

100% of the first $500 for generic drugs**; 75% of the next $4,500
Total benefits payable: $3,875/year.

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, birth control, fertility drugs, and drugs not requiring a prescription are not covered under Drug Plans 1 and 2.

** Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.

Drug 3

100% of the first $500 for brand-name drugs;
90% of the next $9,500
Total benefits payable: $9,050/year.

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, and drugs not requiring a prescription are not covered.

Prescription Drugs - Shared Dispensing Fee

Drug 1

$6.50 per prescription

Drug 2

Full coverage of reasonable and customary dispensing fees.

Drug 3

Full coverage of reasonable and customary dispensing fees.

Drug 1 is only available
with Basic EHC

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Drug 2 is only available
with Basic EHC

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selects Basic EHC Plan

Drug 3 is only available
with Enhanced EHC

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Note: Choosing Drug 3 automatically
selects Enhanced EHC Plan

Step 3: Option to add a Dental Plan:

This plan offers base coverage and will pay for routine dental costs such as examinations and cleanings.

This plan provides greater coverage for dental costs than Dental 1 and will also cover some specialized procedures such as root canals.

This is our most comprehensive dental care plan, which covers routine dental expenses such as examinations and cleanings, some specialized procedures such as root canals, and major work including dentures and braces (orthodontics).

DENTAL 1

DENTAL 2

DENTAL 3

Dental Services Ongoing Maintenance

Dental 1

Covers basic services such as examinations, fillings and cleanings, x-rays, select extractions, diagnostic and preventative services, pit and fissure sealant, restorations, scaling and root planing.

Covers 70% of expenses with anniversary year maximums of:
Year 1: $350
Year 2: $550
Year 3+: $700/year

Dental 2

Covers basic services such as examinations, fillings and cleanings, x-rays, select extractions, diagnostic and preventative services, pit and fissure sealant, restorations, scaling and root planing.

Covers 80% of expenses with total dental services anniversary year maximums of:
Year 1: $500
Year 2: $700
Year 3+: $900/year

Dental 3

Covers basic services such as examinations, fillings and cleanings, x-rays, select extractions, diagnostic and preventative services, pit and fissure sealant, restorations, scaling and root planing.

Covers 80% of expenses in year 1 and subsequent years for Ongoing Maintenance services; for examinations, diagnostic services and scalings only, 80% in year 1 and 100% in subsequent years. Anniversary year maximums for combined total dental services (Ongoing Maintenance, Specialized and Major Restorative) are:
Year 1: $700
Year 2: $900
Year 3+: $1,200/year

Dental Services Specialized

Dental 1

Only available with Dental 2 and 3.

Dental 2

Covers oral surgery, endodontic services, periodontal services, adjunctive services, space maintainers, denture repair/reline/rebase/adjustments, anesthesia, surgical services.

60% of expenses, included in the total dental services (combined Ongoing Maintenance and Specialized) anniversary year maximums of:
Year 1: $500
Year 2: $700
Year 3+: $900/year

Dental 3

Covers oral surgery, endodontic services, periodontal services, adjunctive services, space maintainers, denture repair/reline/rebase/adjustments, anesthesia, surgical services.

Covers 60% of expenses in years 1 and 2 and 80% of expenses in subsequent years. Anniversary year maximums for combined total dental services (Ongoing Maintenance, Specialized and Major Restorative) are:
Year 1: $700
Year 2: $900
Year 3+: $1,200/year

Dental Services Major Restorative

Dental 1

Only available with Dental 3.

Dental 2

Only available with Dental 3.

Dental 3

Covers dentures (including premium dentures*), orthodontics, crowns (including bonded crowns*), bridges.

Covers 60% of expenses beginning in 3rd year; included in anniversary year maximums for combined total dental services (Ongoing Maintenance, Specialized and Major Restorative). In addition, Major Restorative has a maximum of $750 for every 3-year period.

* While premium dentures and crowns are eligible for reimbursement, the reimbursement amount will be based on the cost of standard dentures and crowns

Dental Services Recall

Dental 1

9 months

Dental 2

9 months

Dental 3

6 months

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Leaving a Group Plan?

Keep enjoying health care benefits with FollowMe™ Health Insurance. Apply within 60 days of leaving your group plan to transition to FollowMe - no medical questionnaire required!

Benefits available under a FollowMe Health plan will not be identical to those under your former group health plan.

Calculate Your Premium

Follow these steps to calculate your premium for health and dental insurance. The information provided will be automatically included in your online application form.

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