Our Plans
You’re searching for adaptable coverage that allows you to tailor it to your specific requirements. Explore the coverage options below to replace your current benefit plan and create a customized plan that suits you perfectly.
Plan Designs
Prescription Drugs
Healthcare Professionals
LIFE INSURANCE
Supplies and Services
Specialized Care
Vision Care
Diabetic Supplements
Diabetic Sensors
Emergency Travel Benefits
Optional Dental Care Benefits
Online Pharmacy
SimplyBenefits
Healthcare Professionals - 100% Coinsurance (R&C*) (No age limit)
Telus National Formulary
DeLuxe
$10,000 @ 90% Copay (Ozempic not covered)
Elite
$7,500 @ 90% Copay (Ozempic not covered)
Premier
$5000 @ 80% Copay (Ozempic not covered)
Lite
$2,500 @ 80% Copay (Ozempic not covered)
Opportunity Plan*
$5,000 @ 80% Copay (Ozempic not covered)
Healthcare Professionals – 100% Coinsurance (R&C*) (No age limit)
Acupuncturist, Audiologist, Chiropodist, Chiropractor, Dietician, Massage Therapist, Naturopath, Occupational Therapist, Osteopath, Physiotherapist, Podiastrist, Psychologist, Speech Therapist, Social Worker - Coverage @ 100% Recently added CCC's for coverage
DeLuxe
$1,250 Combined @ 100% Max Indiviudal Service $500 @ 100%
Elite
$1,000 Combined @ 100% Max Indiviudal Service $500 @ 100%
Premier
$750 Combined @ 100% Max Individudal Service $500 @ 100%
Lite
$500 Combined @ 100% Max Indiviudal Service $500 @ 100%
Opportunity Plan*
$750 Combined @ 100% Max Indiviudal Service $500 @ 100%
Life Insurance - Only on primary member ** No medical Required. Remains on plan until as long as you are paying premiums or age 85.
$10,000 Life Insurance Included
DeLuxe
$10,000 Life Insurance
Elite
$10,000 Life Insurance
Premier
$10,000 Life Insurance
Lite
$10,000 Life Insurance
Opportunity Plan*
$10,000 Life Insurance
Supplies and Services – 100% Coinsurance (No age limit)
Breast Prothesis @ 100%
Oxygen & Oxygen Equipment @ 100%
Compression Stockings @ 100%
Blood Pressure Monitor @ 100%
Blood Glucose Monitor @ 100%
Foot Orthosis @ 100%
Hair Prosthesis (wig) @ 100%
Hearing Aids @ 100%
Preventative Vaccines @ 100%
Hospital Beds @ 100%
Artificial Eye/Limb @ 100%
Artificial Eye/Limb Replacement @ 100%
IPP Breathing Machine @ 100%
Orthopedic Shoes @ 100%
Ostomy Supplies @ 100%
Post Surgical Bra @ 100%
Viscosupplementation Injection @ 100%
Braces & Rigid Supports @ 100%
Prosthetics @ 100%
TENS Device @ 100%
Wheelchair (Non-Motorized) @ 100%
Wheelchair (Electric) @ 100%
Accidental Dental @ 100%
Nursing Care @ 100%
Nursing Care Following an accident @ 100%
Ambulance (Ground & Air) @ 100%
Canes, Casts, Crutches, Splints and Trusses @ 100%
CPAP Machine @ 100%
CPAP Supplies @ 100%
Deluxe - Overall Maximum on Major Medical Combined $5000/yr
Unlimited R&C*
Unlimited R&C*
$100 per year
$100/ Lifetime
$200/ 3 Years
$250 per year
$500/ Lifetime
$1000/ 4 Years
$100 per year
Unlimited R&C*
Initial Prothesis 1 per lifetime
repair/replace $1,000 calendar year
Unlimited R&C*
$250 per year
Unlimited R&C*
2 per year
$600 per year
1 per year
$3,500/ Lifetime
Unlimited R&C*
$1,000/ Lifetime
$3,000/ Lifetime
$5,000 R&C*
$15,000 per year
R&C up to $5,000
Unlimited R&C*
R&C Expenses
$2,000 - 1 unit
Covered R&C $350 per year
Elite - Overall Maximum on Major Medical Combined $5000/yr
Unlimited R&C*
Unlimited R&C*
$100 per year
$100/ Lifetime
$200/ 3 Years
$200 per year
$500/ Lifetime
$750/ 4 Years
$100 per year
Unlimited R&C*
Initial Prothesis 1 per lifetime
repair/replace $1,000 calendar year
Unlimited R&C*
$200 per year
Unlimited R&C*
2 per year
$600 per year
1 per year
$3,500/ Lifetime
Unlimited R&C*
$1,000/ Lifetime
$3,000/ Lifetime
$5,000 R&C*
$10,000 per year
R&C up to $5,000
Unlimited R&C*
R&C Expenses
$1,750 - 1 unit
Covered R&C $350 per year
Premier - Overall Maximum on Major Medical Combined $3500/yr
Unlimited R&C*
Unlimited R&C*
$100 per year
$100/ Lifetime
$200/ 3 Years
$150 per year
$500/ Lifetime
$500/ 4 Years
$100 per year
Unlimited R&C*
Initial Prothesis 1 per lifetime
repair/replace $1,000 calendar year
Unlimited R&C*
$150 per year
Unlimited R&C*
2 per year
$600 per year
1 per year
$3,500/ Lifetime
Unlimited R&C*
$1,000/ Lifetime
$3,000/ Lifetime
$5,000 R&C
$7,500 per year
R&C up to $5,000
Unlimited R&C*
R&C Expenses
$1,500 - 1 unit
Covered R&C $350 per year
Lite - Overall Maximum on Major Medical Combined $3500/yr
Unlimited R&C*
Unlimited R&C*
$100 per year
$100/ Lifetime
$200/ 3 Years
$100 per year
$500/ Lifetime
$250/ 4 Years
$100 per year
Unlimited R&C*
Initial Prothesis 1 per lifetime
repair/replace $1,000 calendar year
Unlimited R&C*
$100 per year
Unlimited R&C*
2 per year
$600 per year
1 per lifetime
$3,500/ Lifetime
Unlimited R&C*
$1,000/ Lifetime
$3,000/ Lifetime
$5,000 R&C*
$5,000 per year
R&C up to $5,000
Unlimited R&C*
R&C Expenses
$1,200 - 1 unit
Covered R&C $350 calendar year
Opportunity Plan* - - Overall Maximum on Major Medical Combined $3000/yr
Unlimited R&C*
Unlimited R&C*
$100 per year
$100/ Lifetime
$200/ 3 Years
$150 per year
$500/ Lifetime
$500/ 4 Years
$100 per year
Unlimited R&C*
Initial Prothesis 1 per lifetime
repair/replace $1,000 calendar year
Unlimited R&C*
$150 per year
Unlimited R&C*
2 per year
$600 per year
1 per year
$3,500/ Lifetime
Unlimited R&C*
$1,000/ Lifetime
$3,000/ Lifetime
$5,000 R&C*
$7,500 per year
R&C up to $5,000
Unlimited R&C*
R&C Expenses
No coverage
Covered R&C $350 calendar year
Specialized Care - 100% Coinsurance (No age limit)
Semi Private Hospital Room @ 100%
Convalescent Hospital @ 100%
Diagnostic Services @ 100%
DeLuxe
Unlimited R&C*
$20 per day - 90 Day Max
$50,000 per year
Elite
Unlimited R&C*
$20 per day - 90 Day Max
$50,000 per year
Premier
Unlimited R&C*
$20 per day - 90 Day Max
$50,000 per year
Lite
Unlimited R&C*
$20 per day - 90 Day Max
$50,000 per year
Opportunity Plan*
Unlimited R&C*
$20 per day - 90 Day Max
$50,000 per year
Vision Care - 100% Coinsurance (No age limit)
Eye Exams @ 100%
Eye Glasses and Contacts @ 100%
DeLuxe
$100/ 2 years
$300/ 2 years
Elite
$100/ 2 years
$200/ 2 years
Premier
$100/ 2 years
$100/ 2 years
Lite
$100/ 2 years
No coverage
Opportunity Plan*
$100/ 2 years
No coverage
Diabetic Supplies - Included in Prescription Drugs Coverage (No age limit)
Syringes, Lancets, Chemical Reagent Test
DeLuxe
90% Copay / R&C Out of Drug Coverage
Elite
90% Copay / R&C Out of Drug Coverage
Premier
80% Copay / R&C Out of Drug Coverage
Lite
80% Copay / R&C Out of Drug Coverage
Opportunity Plan*
80% Copay / R&C Out of Drug Coverage
Diabetic Sensors - 100% Coinsurance (R&C*) - Combined with CGM, BGM, GFM Monitoring Equipment (No age limit)
Freestyle Libre, Dexcom, Medtronic Sensors & all Pump Supplies - Combined Major Medical
DeLuxe
Combined max $3,500 per year
Elite
Combined max $3,500 per year
Premier
Combined max $2,500 per year
Lite
Combined max $2,500 per year
Opportunity Plan*
No coverage
Emergency Travel Benefits (Coverage terminates at age 80) - Pre-Existing Conditions Covered, Stability Clause
Out-Of-Province / Country
Travel Insurance @100% Including Covid Insurance
DeLuxe
90 Day trip limit
$5,000,000 Per trip
Elite
90 Day trip limit
$5,000,000 Per trip
Premier
90 Day trip limit
$5,000,000 Per trip
Lite
90 Day trip limit
$5,000,000 Per trip
Opportunity Plan*
90 Day trip limit
$5,000,000 per trip
Optional Dental Care Benefits - Can be added to any plan design. (No age limit)
Basic Services 100%, Includes Basic, Endodontic & Periodontal Services
Major Services 50%, Includes Crowns, Bridges & Dentures
Deluxe
$2,000 Combined Basic & Major per year
$2,000 Combined Basic & Major per year
Elite
$2,000 Combined Basic & Major per year
$2,000 Combined Basic & Major per year
Premier
$2,000 Combined Basic & Major per year
$2,000 Combined Basic & Major per year
Lite
$2,000 Combined Basic & Major per year
$2,000 Combined Basic & Major per year
Opportunity (over 60 days of losing benefits)
$1,000 Combined Basic
No Coverage
Online Pharmacy - Included in all plans. (No age limit) - Provided by PocketPills
Pocketpills is an mail order pharmacy that pre-sorts your medication into easy to open "PocketPacks". No more hard-to-open vials. No moresorting pills, no more missing doses. They work direct with the Governement and your insurer to direct bill.
- Add Vitamins to your "PocketPacks"
- Your refills automatically arrive together on the appropriate day.
- They work with your doctor to renew your prescriptions so you have them on time.
SimplyBenefits
Simply Benefits is a 100% digital Employee Benefits Third-Party Payor (TPP) that allows retirees to take better control of their benefits management on their own dedicated, user-friendly portal. Simply is responsible for:
- Adjudicating and Paying Claims
- Premium Billing
- Claims administration
Definitions
Reasonable & Customary (R&C)
Unlimited
Coinsurance (Copay)
Definitions
Refers to the maximum allowable amount that an insurance carrier or claims payor will reimburse on a particular service or item. This amount reflects the average cost associated with this service or product in a specific geographical region.
Means there is no set limit but is subject to Reasonable and Customary Charges.
The portion, as a percentage of the claim, that the insurer is responsible for paying. The Insured is responsible for the remaining balance. For example: 80% coinsurnace means the insured is responsible for paying 20% of the claim.
Things to Consider
This is a summary of benefits and may contain inaccuracies. Please review the full booklet wording prior to purchasing a plan.
Please contact us directly for full coverage details or download the booklet from our website.
Please contact us directly for full coverage details or download the booklet from our website.
All calendar year or lifetime maximums are per person unless otherwise stated.
You must be a resident of Canada and be covered under the provincial health plan in your province of residence to apply for this retiree plan. If you apply for family coverage, your spouse and dependent children must also have provincial healthcare coverage.
For individuals or dependents to be eligible for any benefits under the Emergency Travel Benefit, they must be age 79 or less.
Travel coverage will terminate at age 80. Coverage must be in effect prior to departure. If individuals are out of the country when the plan goes into effect, the travel coverage will not go into effect until they return to their province of residence.
Extended healthcare coverage for a dependent who is hospitalized on the date they become eligible for coverage, other than a newborn child, will be delayed until the first day immediately following his/her discharge from the hospital. To qualify, you must be actively at work on the date of retirement. Persons on disability will not qualify.
Premium Payment
Premiums are withdrawn from your bank account on the 10th of every month by pre-authorized debit starting on the month your plan becomes active. All invoices are generated on the 1st of every month. Your plan will stay active as long as premiums are paid.
Cancellation of Coverage
You must complete a form for cancellation of coverage. This takes 30 days to cancel for processing once we receive. There are no additional fees.
Monthly Plan Pricing
Monthly Plan Pricing (Dec 1,2024 until Dec 1-2025) Renews each year.
Saskatchewan OR Ontario Solo Coverage (1 Person)
Saskatchewan OR Ontario Solo Coverage with Dental (1 Person)
Saskatchewan OR Ontario Couple Coverage (only 2 people)
Saskatchewan OR Ontario Couple Coverage with Dental (only 2 people)
Saskatchewan OR Ontario Family Coverage (over 2 people)
Saskatchewan OR Ontario Family Coverage with Dental (over 2 people)
Manitoba Solo Coverage (1 Person)
Manitoba Solo Coverage with Dental (1 Person)
Manitoba Couple Coverage (only 2 people)
Manitoba Couple Coverage with Dental (only 2 people)
Manitoba Family Coverage (over 2 people)
Manitoba Family Coverage with Dental (over 2 people)
Alberta Solo Coverage (1 Person)
Alberta Solo Coverage with Dental (1 Person)
Alberta Couple Coverage (only 2 people)
Alberta Couple Coverage with Dental (only 2 people)
Alberta Family Coverage (over 2 people)
Alberta Family Coverage with Dental (over 2 people)
BC Solo Coverage (1 Person)
BC Solo Coverage with Dental (1 Person)
BC Couple Coverage (only 2 people)
BC Couple Coverage with Dental (only 2 people)
BC Family Coverage (over 2 people)
BC Family Coverage with Dental (over 2 people)
DeLuxe
$322.06
$395.96
$652.47
$800.28
$747.86
$918.41
$322.32
$404.49
$652.47
$815.91
$732.97
$921.99
$403.99
$510.58
$816.34
$1,029.52
$941.59
$1,183.20
$314.60
$428.29
$640.56
$865.11
$718.12
$976.98
Elite
$265.24
$339.15
$538.84
$686.65
$620.17
$790.71
$265.51
$347.94
$539.10
$702.54
$605.27
$794.29
$332.28
$438.87
$673.72
$886.90
$769.20
$1,010.81
$257.79
$371.48
$523.93
$748.48
$590.42
$849.28
Premier
$183.31
$257.21
$374.96
$522.77
$493.54
$664.08
$183.57
$266.00
$375.23
$538.67
$486.09
$649.53
$227.99
$334.58
$464.35
$677.73
$620.22
$861.83
$183.30
$297.00
$360.06
$584.61
$478.69
$737.55
Lite
$145.29
$219.19
$298.60
$446.41
$400.41
$570.95
$152.80
$235.23
$313.36
$476.80
$393.16
$582.18
$181.53
$288.12
$371.08
$584.26
$509.19
$750.78
$145.28
$258.97
$298.60
$523.15
$385.46
$644.82
Opportunity Plan*
$183.31
$257.21
$374.96
$522.77
$493.54
$664.08
$183.57
$266.00
$375.23
$538.67
$486.09
$649.53
$227.99
$334.58
$464.35
$677.73
$620.22
$861.83
$183.30
$297.00
$360.06
$584.61
$478.69
$737.55
Optional Dental Pricing
Basic Services 100% includes Basic, Endodontic & Peridontal Services
Major Services @ 50% Incudes crowns, bridges, and dentures
Deluxe
$2000 Combined Basic & Major per year
$2000 Combined Basic & Major per year
Elite
$2000 Combined Basic & Major per year
$2000 Combined Basic & Major per year
Premier
$2000 Combined Basic & Major per year
$2000 Combined Basic & Major per year
Lite
$2000 Combined Basic & Major per year
$2000 Combined Basic & Major per year
Opportunity Plan*
$1000 Basic per year
No coverage
COST TO ADD OPTIONAL DENTAL
Saskatchewan Solo Coverage
Saskatchewan Couple Coverage
Saskatchewan Family Coverage
Manitoba Solo Coverage
Manitoba Couple Coverage
Manitoba Family Coverage
Alberta Solo Coverage
Alberta Couple Coverage
Alberta Family Coverage
BC Solo Coverage
BC Couple Coverage
BC Family Coverage
Ontario Solo Coverage
Ontario Couple Coverage
Ontario Family Coverage
Deluxe
$59.35
$118.69
$136.95
$66.19
$131.24
$151.79
$85.59
$171.19
$194.00
$91.30
$180.32
$207.71
$59.35
$118.69
$136.95
Elite
$59.35
$118.69
$136.95
$66.19
$131.24
$151.79
$85.59
$171.19
$194.00
$91.30
$180.32
$207.71
$59.35
$118.69
$136.95
Premier
$59.35
$118.69
$136.95
$66.19
$131.24
$151.79
$85.59
$171.19
$194.00
$91.30
$180.32
$207.71
$59.35
$118.69
$136.95
Lite
$59.35
$118.69
$136.95
$66.19
$131.24
$151.79
$85.59
$171.19
$194.00
$91.30
$180.32
$207.71
$59.35
$118.69
$136.95
Opportunity Plan*
$59.35
$118.69
$136.95
$66.19
$131.24
$151.79
$85.59
$171.19
$194.00
$91.30
$180.32
$207.71
$59.35
$118.69
$136.95