Flex Care Plan for your family

With a Flex Care Plan your family can take advantage of the many health plan options available.

Call or apply now for a free, no-obligation health insurance quote:

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Province:
Your Date of Birth (mm/dd/yyyy):
Want to cover your spouse?
Your Date of Birth (mm/dd/yyyy):
Want to cover your child(ren)?
Number of children age 0-4
Number of children age 5-20
Benefits
Combo Plus Starter
Combo Plus Basic
Combo Plus Enhanced
N/A

Approval Criteria

No Medical Questionnaire Required

Medical Questionnaire Required

Medical Questionnaire Required

N/A

Accidental Death & Dismemberment

$25,000 per adult under 65, $10,000 per child or per adult 65 and older

$25,000 per adult under 65, $10,000 per child or per adult 65 and older

$25,000 per adult under 65, $10,000 per child or per adult 65 and older

N/A

Prescription (Drug Card)

Generic
Dispensing fee $6.50 maximum (18-64)
Dispensing fee – no maximum (65+)

70% of first $750 (18-64)
100% of first $750 (65+)

$525 per year max (18-64)
$750 per year max (65+)

Generic
Dispensing fee – no maximum

70% of first $750
90% of next $4,972 (18-64)

100% of first $750
90% of next $4,722 (65+)

$5,000 per year max

Brand-Name or Generic
Dispensing fee – no maximum

90% of first $2,222
100% of next $8,000 (18-64)

100% of first $750
90% of next $10,278 (65+)

$10,000 per year max

N/A

Birth Control & Fertility Drugs

Not Covered

Not Covered

Covered

N/A

Dental Basic & Supplementary Services (Endodontic,Periodontic & Denture Services)

$400 per year max:

70% Coverage

$750 per year max:

80% of first $400
50% of next $860

$920 per year max:

100% of first $500
60% of next $600

N/A

Crowns, Bridges, Dentures and Orthodontics

Not covered

Not covered

$1,250 per 3 consecutive years:

Year 1: 0%
Year 2: 0%
Year 3: 60%

N/A

Dental Recall visits

9 Months

9 Months

6 Months

N/A

Professional Services

$25 per visit maximum

Chiropractor
Chiropodist
Osteopath
Podiatrist
Naturopath,
Massage Therapist
Acupuncturist

$500 Per Specialist per year

$25 per visit maximum

Chiropractor
Chiropodist
Osteopath
Podiatrist
Naturopath,
Massage Therapist
Acupuncturist

$500 Per Specialist per year

$25 per visit maximum

Chiropractor
Chiropodist
Osteopath
Podiatrist
Naturopath,
Massage Therapist
Acupuncturist

$500 Per Specialist per year

N/A

Registered Physiotherapist

$250 per year max

$250 per year max

$250 per year max

N/A

Registered Psychologist or Psychotherapist

10 Visits per year

$80 first visit
$65 subsequent visits

15 Visits per year

$80 first visit
$65 subsequent visits

15 Visits per year

$80 first visit
$65 subsequent visits

N/A

Registered Speech Pathologist/Therapist

10 visits per year (18-64)
15 visits per year (65+)

$65 first visit
$45 subsequent visits

10 visits per year (18-64)
15 visits per year (65+)

$65 first visit
$45 subsequent visits

10 visits per year (18-64)
15 visits per year (65+)

$65 first visit
$45 subsequent visits

N/A

Vision Care

$150 per 2 Benefit Years

$250 per 2 Benefit Years

$250 per 2 Benefit Years

N/A

Eye Examination

$60 every 2 Benefit Years

$60 every 2 Benefit Years

$60 every 2 Benefit Years

N/A

Custom-Made Orthotics

$225 per year max

$225 per year max

$225 per year max

N/A

Out of Country Emergency Medical

100% Coverage

$5,000,000 Per Trip (9 Days Max)

100% Coverage

$5,000,000 Per Trip (9 Days Max)

100% Coverage

$5,000,000 Per Trip (9 Days Max)

N/A

Accidental Dental

$2,000 per year max

$2,000 per year max

$2,000 per year max

N/A

Hearing Aids

$400 per 4-year Period (18-64)
$500 per 4-year Period (65+)

$400 per 4-year Period (18-64)
$500 per 4-year Period (65+)

$400 per 4-year Period (18-64)
$500 per 4-year Period (65+)

N/A

Ambulance

Unlimited Ground & Air Transportation

Unlimited Ground & Air Transportation

Unlimited Ground & Air Transportation

N/A

Homecare & Nursing, Prosthetic Appliances & Durable Medical Equipment

Maximums for each of the three categories:

Year 1: $1,000 per year max;
Year 2: $1,300 per year max;
Year 3: $1,500 per year max;
Year 4: $1,700 per year max;
Year 5: $3,000 per year max

Maximums for the three categories combined:

$4,000 per year max (18-64)
$4,500 per year max (65+)

Maximums for the three categories combined:

$4,000 per year max (18-64)
$4,500 per year max (65+)

N/A

Survivor Benefit

Available 1 year after policy effective date

Available 1 year after policy effective date

Available 1 year after policy effective date

N/A

Online Claim Submission

Included

Included

Included

N/A
Benefits
Drug Plus Basic
Drug Plus Enhanced
N/A
N/A

Approval Criteria

Medical Questionnaire Required

Medical Questionnaire Required

N/A
N/A

Accidental Death & Dismemberment

$25,000 per adult under 65, $10,000 per child or per adult 65 and older

$25,000 per adult under 65, $10,000 per child or per adult 65 and older

N/A
N/A

Prescription (Drug Card)

Generic
Dispensing fee – no maximum

70% of first $750
90% of next $4,972 (18-64)

100% of first $750
90% of next $4,722 (65+)

$5,000 per year max

Brand-Name or Generic
Dispensing fee – no maximum

90% of first $2,222
100% of next $8,000 (18-64)

100% of first $750
90% of next $10,278 (65+)

$10,000 per year max

N/A
N/A

Birth Control & Fertility Drugs

Not Covered

Covered

N/A
N/A

Dental Basic & Supplementary Services (Endodontic,Periodontic & Denture Services)

Not Covered

Not Covered

N/A
N/A

Crowns, Bridges, Dentures and Orthodontics

Not Covered

Not Covered

N/A
N/A

Dental Recall visits

Not Covered

Not Covered

N/A
N/A

Professional Services

$25 per visit maximum

Chiropractor
Chiropodist
Osteopath
Podiatrist
Naturopath,
Massage Therapist
Acupuncturist

$500 Per Specialist per year

$25 per visit maximum

Chiropractor
Chiropodist
Osteopath
Podiatrist
Naturopath,
Massage Therapist
Acupuncturist

$500 Per Specialist per year

N/A
N/A

Registered Physiotherapist

$250 per year max

$250 per year max

N/A
N/A

Registered Psychologist or Psychotherapist

15 Visits per year

$80 first visit
$65 subsequent visits

15 Visits per year

$80 first visit
$65 subsequent visits

N/A
N/A

Registered Speech Pathologist/Therapist

10 visits per year (18-64)
15 visits per year (65+)

$65 first visit
$45 subsequent visits

10 visits per year (18-64)
15 visits per year (65+)

$65 first visit
$45 subsequent visits

N/A
N/A

Vision Care

$250 per 2 Benefit Years

$250 per 2 Benefit Years

N/A
N/A

Eye Examination

$60 every 2 Benefit Years

$60 every 2 Benefit Years

N/A
N/A

Custom-Made Orthotics

$225 per year max

$225 per year max

N/A
N/A

Out of Country Emergency Medical

100% Coverage

$5,000,000 Per Trip (9 Days Max)

100% Coverage

$5,000,000 Per Trip (9 Days Max)

N/A
N/A

Accidental Dental

$2,000 per year max

$2,000 per year max

N/A
N/A

Hearing Aids

$400 per 4-year Period (18-64)
$500 per 4-year Period (65+)

$400 per 4-year Period (18-64)
$500 per 4-year Period (65+)

N/A
N/A

Ambulance

Unlimited Ground & Air Transportation

Unlimited Ground & Air Transportation

N/A
N/A

Homecare & Nursing, Prosthetic Appliances & Durable Medical Equipment

Maximums for the three categories combined:

$4,000 per year max (18-64)
$4,500 per year max (65+)

Maximums for the three categories combined:

$4,000 per year max (18-64)
$4,500 per year max (65+)

N/A
N/A

Survivor Benefit

Included

Included

N/A
N/A

Online Claim Submission

Included

Included

N/A
N/A
Benefits
Dental Plus Basic
Dental Plus Enhanced
N/A
N/A

Approval Criteria

No Medical Questionnaire Required

No Medical Questionnaire Required

N/A
N/A

Accidental Death & Dismemberment

$25,000 per adult under 65, $10,000 per child or per adult 65 and older

$25,000 per adult under 65, $10,000 per child or per adult 65 and older

N/A
N/A

Prescription (Drug Card)

Not Covered

Not Covered

N/A
N/A

Birth Control & Fertility Drugs

Not Covered

Covered

N/A
N/A

Dental Basic & Supplementary Services (Endodontic,Periodontic & Denture Services)

Year 1: $575 per year max:

50% Coverage

Year 2: $750 per year max:

80% of first $400
50% of next $860

Year 1: $840 per year max:

70% Coverage

Year 2: $920 per year max:

100% of first $500
60% of next $600

N/A
N/A

Crowns, Bridges, Dentures and Orthodontics

Not covered

$1,250 per 3 consecutive years:

Year 1: 0%
Year 2: 0%
Year 3: 60%

N/A
N/A

Dental Recall visits

9 Months

6 Months

N/A
N/A

Professional Services

$25 per visit maximum

Chiropractor
Chiropodist
Osteopath
Podiatrist
Naturopath,
Massage Therapist
Acupuncturist

$500 Per Specialist per year

$25 per visit maximum

Chiropractor
Chiropodist
Osteopath
Podiatrist
Naturopath,
Massage Therapist
Acupuncturist

$500 Per Specialist per year

N/A
N/A

Registered Physiotherapist

$250 per year max

$250 per year max

N/A
N/A

Registered Psychologist or Psychotherapist

10 Visits per year

$80 first visit
$65 subsequent visits

10 Visits per year

$80 first visit
$65 subsequent visits

N/A
N/A

Registered Speech Pathologist/Therapist

10 visits per year (18-64)
15 visits per year (65+)

$65 first visit
$45 subsequent visits

10 visits per year (18-64)
15 visits per year (65+)

$65 first visit
$45 subsequent visits

N/A
N/A

Vision Care

$250 per 2 Benefit Years

$250 per 2 Benefit Years

N/A
N/A

Eye Examination

$60 every 2 Benefit Years

$60 every 2 Benefit Years

N/A
N/A

Custom-Made Orthotics

$225 per year max

$225 per year max

N/A
N/A

Out of Country Emergency Medical

100% Coverage

$5,000,000 Per Trip (9 Days Max)

100% Coverage

$5,000,000 Per Trip (9 Days Max)

N/A
N/A

Accidental Dental

$2,000 per year max

$2,000 per year max

N/A
N/A

Hearing Aids

$400 per 4-year Period (18-64)
$500 per 4-year Period (65+)

$400 per 4-year Period (18-64)
$500 per 4-year Period (65+)

N/A
N/A

Ambulance

Unlimited Ground & Air Transportation

Unlimited Ground & Air Transportation

N/A
N/A

Homecare & Nursing, Prosthetic Appliances & Durable Medical Equipment

Maximums for each of the three categories:

Year 1: $1,000 per year max;
Year 2: $1,300 per year max;
Year 3: $1,500 per year max;
Year 4: $1,700 per year max;
Year 5: $3,000 per year max

Maximums for each of the three categories:

Year 1: $1,000 per year max;
Year 2: $1,300 per year max;
Year 3: $1,500 per year max;
Year 4: $1,700 per year max;
Year 5: $3,000 per year max

N/A
N/A

Survivor Benefit

Included

Included

N/A
N/A

Online Claim Submission

Included

Included

N/A
N/A

† Prescription drug coverage applies to costs not covered by your provincial prescription drug insurance plan, up to the maximums stated above.

†† Prescription drug coverage is based on Calendar Year for residents of British Columbia and Saskatchewan. For all other provinces, coverage is based on Anniversary Year.

*Generic Drug – A generally less expensive alternative to an interchangeable brand-name drug product. Please note: Not all drugs have a generic equivalent. If a non-generic drug cost 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.

**Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable.

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