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.

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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

Virtual Healthcare

Online Pharmacy

SimplyBenefits

Healthcare Professionals - 100% Coinsurance (R&C*) (No age limit)

DeLuxe

Telus National Formulary

$10,000 @ 90% Copay (100% if dispensed through PocketPills)

Elite

Telus National Formulary

$7,500 @ 90% Copay (100% if dispensed through PocketPills)

Premier

Telus National Formulary

$5000 @ 80% Copay (90% if dispensed through PocketPills)

Lite

Telus National Formulary

$2,500 @ 80% Copay (90% if dispensed through PocketPills)

Opportunity Plan*

Telus National Formulary

$5,000 @ 80% Copay (90% if dispended trough PocketPills)

Healthcare Professionals – 100% Coinsurance (R&C*) (No age limit)

DeLuxe

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

$1,500 Combined @ 100% Max Indiviudal Service $650 @ 100%

Elite

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

$1,250 Combined @ 100% Max Indiviudal Service $650 @ 100%

Premier

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

$1,000 Combined @ 100% Max Individudal Service $650 @ 100%

Lite

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

$750 Combined @ 100% Max Indiviudal Service $650 @ 100%

Opportunity Plan*

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

$1,000 Combined @ 100% Max Indiviudal Service $650 @ 100%

Life Insurance (Until age 85) Only on primary member

DeLuxe

$10,000 Life Insurance Included

$10,000 Life Insurance

Elite

$10,000 Life Insurance Included

$10,000 Life Insurance

Premier

$10,000 Life Insurance Included

$10,000 Life Insurance

Lite

$10,000 Life Insurance Included

$10,000 Life Insurance

Opportunity Plan*

$10,000 Life Insurance Included

$10,000 Life Insurance

Supplies and Services – 100% Coinsurance (No age limit)

Deluxe - Overall Maximum on Major Medical Combined $5000/yr

Breast Prothesis @ 100%

Unlimited R&C*

Oxygen & Oxygen Equipment @ 100%

Unlimited R&C*

Compression Stockings @ 100%

$100 per year

Blood Pressure Monitor @ 100%

$100/ Lifetime

Blood Glucose Monitor @ 100%

$200/ 3 Years

Foot Orthosis @ 100%

$250 per year

Hair Prosthesis (wig) @ 100%

$500/ Lifetime

Hearing Aids @ 100%

$1000/ 4 Years

Preventative Vaccines @ 100%

$100 per year

Hospital Beds @ 100%

Unlimited R&C*

Artificial Eye/Limb @ 100%

Initial Prothesis 1 per lifetime

Artificial Eye/Limb Replacement @ 100%

repair/replace $1,000 calendar year

IPP Breathing Machine @ 100%

Unlimited R&C*

Intrauterine Device (IUD) @ 100%

Unlimited R&C*

Orthopedic Shoes @ 100%

$250 per year

Ostomy Supplies @ 100%

Unlimited R&C*

Post Surgical Bra @ 100%

2 per year

Viscosupplementation Injection @ 100%

$600 per year

Braces & Rigid Supports @ 100%

1 per year

Prosthetics @ 100%

$3,500/ Lifetime

TENS Device @ 100%

Unlimited R&C*

Wheelchair (Non-Motorized) @ 100%

$1,000/ Lifetime

Wheelchair (Electric) @ 100%

$3,000/ Lifetime

Accidental Dental @ 100%

$5,000 R&C*

Nursing Care @ 100%

$15,000 per year

Nursing Care Foloowing an accident @ 100%

R&C up to $5,000

Ambulance (Ground & Air) @ 100%

Unlimited R&C*

Canes, Casts, Crutches, Splints and Trusses @ 100%

R&C Expenses

CPAP Machine @ 100%

$2,000 - 1 unit

CPAP Supplies @ 100%

Covered R&C $350 per year

Elite - Overall Maximum on Major Medical Combined $5000/yr

Breast Prothesis @ 100%

Unlimited R&C*

Oxygen & Oxygen Equipment @ 100%

Unlimited R&C*

Compression Stockings @ 100%

$100 per year

Blood Pressure Monitor @ 100%

$100/ Lifetime

Blood Glucose Monitor @ 100%

$200/ 3 Years

Foot Orthosis @ 100%

$200 per year

Hair Prosthesis (wig) @ 100%

$500/ Lifetime

Hearing Aids @ 100%

$750/ 4 Years

Preventative Vaccines @ 100%

$100 per year

Hospital Beds @ 100%

Unlimited R&C*

Artificial Eye/Limb @ 100%

Initial Prothesis 1 per lifetime

Artificial Eye/Limb Replacement @ 100%

repair/replace $1,000 calendar year

IPP Breathing Machine @ 100%

Unlimited R&C*

Intrauterine Device (IUD) @ 100%

Unlimited R&C*

Orthopedic Shoes @ 100%

$200 per year

Ostomy Supplies @ 100%

Unlimited R&C*

Post Surgical Bra @ 100%

2 per year

Viscosupplementation Injection @ 100%

$600 per year

Braces & Rigid Supports @ 100%

1 per year

Prosthetics @ 100%

$3,500/ Lifetime

TENS Device @ 100%

Unlimited R&C*

Wheelchair (Non-Motorized) @ 100%

$1,000/ Lifetime

Wheelchair (Electric) @ 100%

$3,000/ Lifetime

Accidental Dental @ 100%

$5,000 R&C*

Nursing Care @ 100%

$10,000 per year

Nursing Care Foloowing an accident @ 100%

R&C up to $5,000

Ambulance (Ground & Air) @ 100%

Unlimited R&C*

Canes, Casts, Crutches, Splints and Trusses @ 100%

R&C Expenses

CPAP Machine @ 100%

$1,750 - 1 unit

CPAP Supplies @ 100%

Covered R&C $350 per year

Premier - Overall Maximum on Major Medical Combined $3500/yr

Breast Prothesis @ 100%

Unlimited R&C*

Oxygen & Oxygen Equipment @ 100%

Unlimited R&C*

Compression Stockings @ 100%

$100 per year

Blood Pressure Monitor @ 100%

$100/ Lifetime

Blood Glucose Monitor @ 100%

$200/ 3 Years

Foot Orthosis @ 100%

$150 per year

Hair Prosthesis (wig) @ 100%

$500/ Lifetime

Hearing Aids @ 100%

$500/ 4 Years

Preventative Vaccines @ 100%

$100 per year

Hospital Beds @ 100%

Unlimited R&C*

Artificial Eye/Limb @ 100%

Initial Prothesis 1 per lifetime

Artificial Eye/Limb Replacement @ 100%

repair/replace $1,000 calendar year

IPP Breathing Machine @ 100%

Unlimited R&C*

Intrauterine Device (IUD) @ 100%

Unlimited R&C*

Orthopedic Shoes @ 100%

$150 per year

Ostomy Supplies @ 100%

Unlimited R&C*

Post Surgical Bra @ 100%

2 per year

Viscosupplementation Injection @ 100%

$600 per year

Braces & Rigid Supports @ 100%

1 per year

Prosthetics @ 100%

$3,500/ Lifetime

TENS Device @ 100%

Unlimited R&C*

Wheelchair (Non-Motorized) @ 100%

$1,000/ Lifetime

Wheelchair (Electric) @ 100%

$3,000/ Lifetime

Accidental Dental @ 100%

$5,000 R&C

Nursing Care @ 100%

$7,500 per year

Nursing Care Foloowing an accident @ 100%

R&C up to $5,000

Ambulance (Ground & Air) @ 100%

Unlimited R&C*

Canes, Casts, Crutches, Splints and Trusses @ 100%

R&C Expenses

CPAP Machine @ 100%

$1,500 - 1 unit

CPAP Supplies @ 100%

Covered R&C $350 per year

Lite - Overall Maximum on Major Medical Combined $3500/yr

Breast Prothesis @ 100%

Unlimited R&C*

Oxygen & Oxygen Equipment @ 100%

Unlimited R&C*

Compression Stockings @ 100%

$100 per year

Blood Pressure Monitor @ 100%

$100/ Lifetime

Blood Glucose Monitor @ 100%

$200/ 3 Years

Foot Orthosis @ 100%

$100 per year

Hair Prosthesis (wig) @ 100%

$500/ Lifetime

Hearing Aids @ 100%

$250/ 4 Years

Preventative Vaccines @ 100%

$100 per year

Hospital Beds @ 100%

Unlimited R&C*

Artificial Eye/Limb @ 100%

Initial Prothesis 1 per lifetime

Artificial Eye/Limb Replacement @ 100%

repair/replace $1,000 calendar year

IPP Breathing Machine @ 100%

Unlimited R&C*

Intrauterine Device (IUD) @ 100%

Unlimited R&C*

Orthopedic Shoes @ 100%

$100 per year

Ostomy Supplies @ 100%

Unlimited R&C*

Post Surgical Bra @ 100%

2 per year

Viscosupplementation Injection @ 100%

$600 per year

Braces & Rigid Supports @ 100%

1 per lifetime

Prosthetics @ 100%

$3,500/ Lifetime

TENS Device @ 100%

Unlimited R&C*

Wheelchair (Non-Motorized) @ 100%

$1,000/ Lifetime

Wheelchair (Electric) @ 100%

$3,000/ Lifetime

Accidental Dental @ 100%

$5,000 R&C*

Nursing Care @ 100%

$5,000 per year

Nursing Care Foloowing an accident @ 100%

R&C up to $5,000

Ambulance (Ground & Air) @ 100%

Unlimited R&C*

Canes, Casts, Crutches, Splints and Trusses @ 100%

R&C Expenses

CPAP Machine @ 100%

$1,200 - 1 unit

CPAP Supplies @ 100%

Covered R&C $350 calendar year

Opportunity Plan* - - Overall Maximum on Major Medical Combined $3000/yr

Breast Prothesis @ 100%

Unlimited R&C*

Oxygen & Oxygen Equipment @ 100%

Unlimited R&C*

Compression Stockings @ 100%

$100 per year

Blood Pressure Monitor @ 100%

$100/ Lifetime

Blood Glucose Monitor @ 100%

$200/ 3 Years

Foot Orthosis @ 100%

$150 per year

Hair Prosthesis (wig) @ 100%

$500/ Lifetime

Hearing Aids @ 100%

$500/ 4 Years

Preventative Vaccines @ 100%

$100 per year

Hospital Beds @ 100%

Unlimited R&C*

Artificial Eye/Limb @ 100%

Initial Prothesis 1 per lifetime

Artificial Eye/Limb Replacement @ 100%

repair/replace $1,000 calendar year

IPP Breathing Machine @ 100%

Unlimited R&C*

Intrauterine Device (IUD) @ 100%

Unlimited R&C*

Orthopedic Shoes @ 100%

$150 per year

Ostomy Supplies @ 100%

Unlimited R&C*

Post Surgical Bra @ 100%

2 per year

Viscosupplementation Injection @ 100%

$600 per year

Braces & Rigid Supports @ 100%

1 per year

Prosthetics @ 100%

$3,500/ Lifetime

TENS Device @ 100%

Unlimited R&C*

Wheelchair (Non-Motorized) @ 100%

$1,000/ Lifetime

Wheelchair (Electric) @ 100%

$3,000/ Lifetime

Accidental Dental @ 100%

$5,000 R&C*

Nursing Care @ 100%

$7,500 per year

Nursing Care Foloowing an accident @ 100%

R$C up to $5,000

Ambulance (Ground & Air) @ 100%

Unlimited R&C*

Canes, Casts, Crutches, Splints and Trusses @ 100%

R&C Expenses

CPAP Machine @ 100%

No coverage

CPAP Supplies @ 100%

Covered R&C $350 calendar year

Specialized Care - 100% Coinsurance (No age limit)

DeLuxe

Semi Private Hospital Room @ 100%

Unlimited R&C*

Convalescent Hospital @ 100%

$20 per day - 90 Day Max

Diagnostic Services @ 100%

$500 per year

Elite

Semi Private Hospital Room @ 100%

Unlimited R&C*

Convalescent Hospital @ 100%

$20 per day - 90 Day Max

Diagnostic Services @ 100%

$500 per year

Premier

Semi Private Hospital Room @ 100%

Unlimited R&C*

Convalescent Hospital @ 100%

$20 per day - 90 Day Max

Diagnostic Services @ 100%

$500 per year

Lite

Semi Private Hospital Room @ 100%

Unlimited R&C*

Convalescent Hospital @ 100%

$20 per day - 90 Day Max

Diagnostic Services @ 100%

$500 per year

Opportunity Plan*

Semi Private Hospital Room @ 100%

Unlimited R&C*

Convalescent Hospital @ 100%

$20 per day - 90 Day Max

Diagnostic Services @ 100%

$500 per year

Vision Care - 100% Coinsurance (No age limit)

DeLuxe

Eye Exams @ 100%

$100/ 2 years

Eye Glasses and Contacts @ 100%

$300/ 2 years

Elite

Eye Exams @ 100%

$100/ 2 years

Eye Glasses and Contacts @ 100%

$200/ 2 years

Premier

Eye Exams @ 100%

$100/ 2 years

Eye Glasses and Contacts @ 100%

$100/ 2 years

Lite

Eye Exams @ 100%

$100/ 2 years

Eye Glasses and Contacts @ 100%

No coverage

Opportunity Plan*

Eye Exams @ 100%

$100/ 2 years

Eye Glasses and Contacts @ 100%

No coverage

Diabetic Supplies - Included in Prescription Drugs Coverage (No age limit)

DeLuxe

Syringes, Lancets, Chemical Reagent Test

90% Copay / R&C Out of Drug Coverage

Elite

Syringes, Lancets, Chemical Reagent Test

90% Copay / R&C Out of Drug Coverage

Premier

Syringes, Lancets, Chemical Reagent Test

80% Copay / R&C Out of Drug Coverage

Lite

Syringes, Lancets, Chemical Reagent Test

80% Copay / R&C Out of Drug Coverage

Opportunity Plan*

Syringes, Lancets, Chemical Reagent Test

80% Copay / R&C Out of Drug Coverage

Diabetic Sensors - 100% Coinsurance (R&C*) - Combined with CGM, BGM, GFM Monitoring Equipment (No age limit)

DeLuxe

Freestyle Libre, Dexcom, Medtronic Sensors & all Pump Supplies - Combined Major Medical

Combined max $3,500 per year

Elite

Freestyle Libre, Dexcom, Medtronic Sensors & all Pump Supplies - Combined Major Medical

Combined max $3,500 per year

Premier

Freestyle Libre, Dexcom, Medtronic Sensors & all Pump Supplies - Combined Major Medical

Combined max $2,500 per year

Lite

Freestyle Libre, Dexcom, Medtronic Sensors & all Pump Supplies - Combined Major Medical

Combined max $2,500 per year

Opportunity Plan*

Freestyle Libre, Dexcom, Medtronic Sensors & all Pump Supplies - Combined Major Medical

No coverage

Emergency Travel Benefits - Inlcuded in all plans. (Coverage terminates at age 80) - Provided by Orion Travel Insurance

DeLuxe

Out-Of-Province / Country

90 Day trip limit

Travel Insurance

$5,000,000 Per trip

Covid Insurance (Must be fully vaxxed)

$5,000,000 Per trip

Elite

Out-Of-Province / Country

90 Day trip limit

Travel Insurance

$5,000,000 Per trip

Covid Insurance (Must be fully vaxxed)

$5,000,000 Per trip

Premier

Out-Of-Province / Country

90 Day trip limit

Travel Insurance

$5,000,000 Per trip

Covid Insurance (Must be fully vaxxed)

$5,000,000 Per trip

Lite

Out-Of-Province / Country

90 Day trip limit

Travel Insurance

$5,000,000 Per trip

Covid Insurance (Must be fully vaxxed)

$5,000,000 Per trip

Opportunity Plan*

Out-Of-Province / Country

90 Day trip limit

Travel Insurance

$5,000,000 per trip

Covid Insurance (Must be fully vaxxed)

$5,000,000 per trip

Optional Dental Care Benefits - Can be added to any plan design. (No age limit)

Can be added to any plan design. (No age limit) Opportinuty Plan Excluded

Basic, Endodontic & Periodontal Services

100% coverage: Includes exams, cleanings, fillings, scaling, polishing, and oral surgery.

Major Services

50% coverage: Includes crowns, bridges, and dentures.

Can be added to Opportunity Plan (No age limit)

Basic, Endodontic & Periodontal Services

100% coverage up to $1,000: Includes exams, cleanings, fillings, scaling, polishing, and oral surgery.

Major Services

No Coverage

Virtual Healthcare - Included in all plans. (Coverage to age 71) - Provided by Maple

Maple (formerly Wello) Virtual Healthcare connects you to a clinician 24/7 for all your urgent and long term healthcare needs, via phone and video chat. Save time and stress when you need convenient access to:

Medical diagnosis
Prescriptions and requisitions
Specialist referrals
Mental health support
Chronic illness management and prevention
Health coaching and advice

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

View Plan Booklets

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Definitions

Reasonable & Customary (R&C)

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.

Unlimited

Means there is no set limit but is subject to Reasonable and Customary Charges.

Coinsurance (Copay)

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.

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 1,2023 until Dec 1-2024) Renews each year Jan 1-2024

DeLuxe

Saskatchewan Solo Coverage

$255.69

Saskatchewan Couple Coverage

$513.68

Saskatchewan Family Coverage

$587.89

Manitoba Solo Coverage

$256.11

Manitoba Couple Coverage (DUO)

$513.44

Manitoba Family Coverage

$576.37

Alberta Solo Coverage

$319.02

Alberta Couple Coverage (DUO)

$640.12

Alberta Family Coverage

$737.60

BC Solo Coverage

$249.60

BC Couple Coverage (DUO)

$501.25

BC Family Coverage

$563.48

Ontario Solo Coverage

$255.69

Ontario Couple Coverage (DUO)

$513.68

Ontario Family Coverage

$587.89

Elite

Saskatchewan Solo Coverage

$212.01

Saskatchewan Couple Coverage

$425.84

Saskatchewan Family Coverage

$489.18

Manitoba Solo Coverage

$212.19

Manitoba Couple Coverage (DUO)

$426.02

Manitoba Family Coverage

$477.66

Alberta Solo Coverage

$263.59

Alberta Couple Coverage (DUO)

$529.25

Alberta Family Coverage

$604.34

BC Solo Coverage

$205.68

BC Couple Coverage (DUO)

$413.42

BC Family Coverage

$464.74

Ontario Solo Coverage

$212.01

Ontario Couple Coverage (DUO)

$425.84

Ontario Family Coverage

$489.18

Premier

Saskatchewan Solo Coverage

$148.67

Saskatchewan Couple Coverage

$299.17

Saskatchewan Family Coverage

$391.53

Manitoba Solo Coverage

$148.85

Manitoba Couple Coverage (DUO)

$299.35

Manitoba Family Coverage

$385.53

Alberta Solo Coverage

$183.22

Alberta Couple Coverage (DUO)

$368.26

Alberta Family Coverage

$489.18

BC Solo Coverage

$148.12

BC Couple Coverage (DUO)

$287.65

BC Family Coverage

$378.37

Ontario Solo Coverage

$148.67

Ontario Couple Coverage (DUO)

$299.17

Ontario Family Coverage

$391.53

Lite

Saskatchewan Solo Coverage

$118.71

Saskatchewan Couple Coverage

$239.47

Saskatchewan Family Coverage

$318.73

Manitoba Solo Coverage

$124.74

Manitoba Couple Coverage (DUO)

$250.86

Manitoba Family Coverage

$312.92

Alberta Solo Coverage

$146.05

Alberta Couple Coverage (DUO)

$295.50

Alberta Family Coverage

$403.34

BC Solo Coverage

$118.71

BC Couple Coverage (DUO)

$239.23

BC Family Coverage

$306.69

Ontario Solo Coverage

$118.71

Ontario Couple Coverage (DUO)

$239.47

Ontario Family Coverage

$318.73

Opportunity Plan*

Saskatchewan Solo Coverage

$148.67

Saskatchewan Couple Coverage

$299.17

Saskatchewan Family Coverage

$391.53

Manitoba Solo Coverage

$148.85

Manitoba Couple Coverage (DUO)

$299.35

Manitoba Family Coverage

$385.53

Alberta Solo Coverage

$183.22

Alberta Couple Coverage (DUO)

$368.26

Alberta Family Coverage

$489.18

BC Solo Coverage

$148.12

BC Couple Coverage (DUO)

$287.65

BC Family Coverage

$378.37

Ontario Solo Coverage

$148.67

Ontario Couple Coverage (DUO)

$299.17

Ontario Family Coverage

$391.53