Sample Flexible Benefits

There are various options for Life, AD&D, STD, LTD, to either match your current arrangement, or customize your own.

In the following sample flex arrangement, your employees can choose from options 1 to 3, in the respective benefit lines. More options are available and the employees can mix and match, such as picking option 1 for health and option 3 for dental. Then the payment calculator tells the employees how many premium credits are required, and how much the company will contribute.



Extended Health suite of choices (Select)
  Option 1 - Base Coverage Option 2 Option 3
Drug Mandatory Generic Drug Plan 88GA
70% coverage for the first $2,500 of paid claims and 100% thereafter
Unlimited maximum
Mandatory Generic Drug Plan 88GA
80% of the first $2,500 of paid claims and 100% thereafter
Unlimited maximum
Mandatory Generic Drug Plan 88GA
90% of the first $2,500 of paid claims and 100% thereafter
Unlimited maximum
  • Out of Province
90 Days / $5 million lifetime maximum, except 60 days / $1 million for Plan Members aged 70-79 90 Days / $5 million lifetime maximum, except 60 days / $1 million for Plan Members aged 70-79
90 Days / $5 million lifetime maximum, except 60 days / $1 million for Plan Members aged 70-79
Hearing Aids $300 per 60 consecutive months $500 per 60 consecutive months $750 per 60 consecutive months
  • Private Duty Nursing
$5000 $10000
$15000
Hospital Not covered Semi Private coverage Private coverage
  • Paramedical
Not covered $200 per practitioner to a combined maximum of $400
$300 per practitioner to a combined maximum of $1,200
Orthotics and Orthopaedic Shoes Not covered $200 $400
  • Vision Care
Not covered Not covered
$250 every 24 months
Dental Suite of Choices (Premium)
  Option 1 - Base Coverage Option 2 Option 3
Basic Dental 80% coverage 90% coverage 100% coverage
  • Major Dental
50% coverage 50% coverage
50% coverage
Orthodontics $50% coverage 50% coverage 50% coverage
  • Basic/Major Maximum
$1,500 combined for basic and major services $2,000 combined for basic and major services
$2,500 combined for basic and major services
Ortho Maximum $2,000 per lifetime per dependent child $2,500 per lifetime per dependent child $3,000 per lifetime per dependent child and adult
  • Recall Examinations
Every 9 months Every 9 months
Every 6 months
Read our Service Commitment.
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