Group Health Benefits

Health Benefits are designed to help employees offset the cost of medical expenses that are not covered by their provincial health care plan. The benefits may include:

  • Prescription Drug Coverage: often reimbursed at 80% or 100%, with or without an annual maximum.
  • Paramedical Services: coverage for massage therapists, chiropractors, physiotherapists, acupuncturists and other paramedical practitioners. Often covered at $300-$500/year/practitioner/insured.
  • Travel Insurance: emergency medical coverage for employees and their dependants when they travel out of country.
  • Vision Coverage: often covered at $200/2 years/insured.
  • Other benefits: ambulance expenses, hospital rooms, home nursing, foot orthotics, etc.

Benefit Schedule

Benefits often have a coinsurance to reduce cost and share the responsibility of dental health. Diagnostic, Preventative, and Minor Restorative are often reimbursed at 70%-100% up to an annual maximum of between $500 and $1,500. Major restorative claims are often reimbursed at 50% up to an annual maximum of $500 – $1000. Orthodontic claims are often reimbursed at 50% up to a lifetime maximum of $500 – $1,000.