The cost of prescription drugs, a visit to the optician, a paramedical appointment or even a stay in the hospital can all add up. Extended health care (EHC) insurance covers many basic health costs. You can even make trips to the dentist less painful by choosing a plan with dental care.
Our rate sheets can provide you with a quick estimate.
There are five health care plans available. Choose the plan that’s right for you.
You can find out more in your plan brochure.
| Options | Basic | Standard | Standard Plus | Enhanced | Enhanced Plus | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| Extended health care | ||||||||||
| Prescription drugs | ||||||||||
| 70% | 70% of the first $1,000 of expenses, 80% of the excess | 70% of the first $800 of expenses, 80% of the excess | 80% of the first $3,000 of expenses, 90% of the excess | 80% of the first $3,000 of expenses, 90% of the excess | ||||||
| Dispensing fee maximum | 100% up to $6.50 per prescription or refill | 100% up to $6.50 per prescription or refill | 100% up to $6.50 per prescription or refill | 80% No maximum |
80% No maximum |
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| Oral contraceptives | No | No | No | Yes | Yes | |||||
| Plan year maximum | $750 per person | $5,000 per person | $3,500 per person | $12,000 per person | $12,000 per person | |||||
| Paramedical services | ||||||||||
| Registered specialists
|
70% | 80% | 80% | 90% | 90% | |||||
| Plan year maximum per specialty | $350 per person | $480 per person | $480 per person | $600 per person | $600 per person | |||||
| Plan year combined maximum | $600 per person | $800 per person | $800 per person | $1,000 per person | $1,000 per person | |||||
| Travel expenses | ||||||||||
| Expenses out of your province | No | 100% | 100% | 100% | 100% | |||||
| Emergency travel assistance | No | First 15 days | First 20 days | First 30 days | First 30 days | |||||
| Hospital expenses | ||||||||||
| Hospital expenses in your province | No | 80% | 80% | 90% | 90% | |||||
| Convalescent hospital | No | No | No | No | Yes | |||||
| Private duty nursing | ||||||||||
| 70% | 80% | 80% | 90% | 90% | ||||||
| Plan year maximum | $2,500 per person | $5,000 per person | $5,000 per person | $7,500 per person | $7,500 per person | |||||
| Lifetime maximum | $10,000 per person | $15,000 per person | $15,000 per person | $20,000 per person | $20,000 per person | |||||
| Ambulance | ||||||||||
| 70% | 80% | 80% | 90% | 90% | ||||||
| Medical services, equipment, supplies and other services | ||||||||||
| 70% | 80% | 80% | 90% | 90% | ||||||
| Wigs (maximum per person) |
$100 per plan year | $500 lifetime | $500 lifetime | $500 lifetime | $500 lifetime | |||||
| Wheelchairs (lifetime maximum) |
$1,000 per person | $1,000 per person | $1,000 per person | $1,200 per person | $1,200 per person | |||||
| MRI and other services (plan year maximum) - Quebec only | $750 per person | $1,000 per person | $1,000 per person | $1,200 per person | $1,200 per person | |||||
| Orthotic inserts and orthopaedic shoes (plan year maximum) | $250 per person | $250 per person | $250 per person | $300 per person | $300 per person | |||||
| Glucometers (maximum in any 5-year period) | $150 per person | $300 per person | $300 per person | $300 per person | $300 per person | |||||
| Casts, splints, trusses, canes and crutches (plan year maximum) |
Up to the plan year combined maximum shown below | $500 per person | $500 per person | $500 per person | $500 per person | |||||
| Breast prosthesis (plan year maximum) |
Up to the plan year combined maximum shown below | $200 per person | $200 per person | $200 per person | $200 per person | |||||
| Hospital beds (lifetime maximum) |
Up to the lifetime maximum shown below | $1,000 per person | $1,000 per person | $1,200 per person | $1,200 per person | |||||
| Plan year combined maximum | $1,000 per person | $1,500 per person | $1,500 per person | $2,000 per person | $2,000 per person | |||||
| Lifetime maximum | $20,000 | $20,000 | $20,000 | $20,000 | $20,000 | |||||
| Hearing aids | ||||||||||
| 70% with a maximum in any 5-year period of $350 per person | 80% with a maximum in any 5-year period of $400 per person | 80% with a maximum in any 5-year period of $450 per person | 90% with a maximum in any 5-year period of $550 per person | 90% with a maximum in any 5-year period of $550 per person | ||||||
| Vision care | ||||||||||
| 100% | 100% | 100% | 100% | 100% | ||||||
| Waiting period | None | 1 year | 1 year | 1 year | 1 year | |||||
| Maximum in any 2 plan years | Eye exam only | $150 per person | $150 per person | $250 per person | $250 per person | |||||
| EHC lifetime maximum per person | ||||||||||
| Out-of-province emergencies | No | $3,000,000 | $3,000,000 | $3,000,000 | $3,000,000 | |||||
| All other expenses | $100,000 | $300,000 | $300,000 | $500,000 | $500,000 | |||||
| Dental | ||||||||||
| Preventive and basic
|
No | No | 70% 3 month waiting period |
No | 80% 3 month waiting period |
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| Major
|
No | No | No | No | 50% 6 month waiting period |
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| Orthodontics
|
No | No | No | No | 60% 1 year waiting period |
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| Dental maximum per plan year per person |
No | No | $750 for preventive and basic combined | No | $750 for preventive and basic combined $500 for major |
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| Lifetime per person | No | No | No | No | $1,500 for orthodontics | |||||
| Lock-in period | 2 years | 2 years | 2 years | 2 years | 2 years | |||||
| Changes in options | Subject to the lock-in period indicated above, you can change your option on the policy anniversary. Evidence of insurability is required if you are moving up an option. | |||||||||
Medical underwriting is required.
1. Charges greater than the lowest-priced equivalent drug aren’t covered unless specifically approved by Securian Canada. To assess the medical necessity of a higher-priced drug, Securian Canada requires you, your spouse, or your dependant child and the attending physician to complete and submit an exception form.
2. Spouse: Your spouse by marriage or under any other formal union recognized by law, or a partner of the opposite sex or of the same sex who is living with you and has been living with you in a conjugal relationship for at least 12 months. For Québec residents, there is no minimum cohabitation period for common-law spouses if a child is born out of their relationship. Only one person at a time can be covered as your spouse.
3. Dependant children: Your children who are not married or in any other formal union recognized by law, dependant on you or your spouse for support, and are under the age of 21 (age 25 if the dependant is a full-time student – age 26 in Quebec), including adopted children and stepchildren, or children of any age if incapable of supporting themselves because of physical or mental disability.
