My Plan

Choice 1 & 2 – 80% of the first $1,000 and 100% thereafter;
Choice 3, 4, 5 – 100%

Option 1 – $100 per person/family per year;
Option 2 – $25 per person/family per year;
Options 3, 4, 5 – Nil

$100,000 per lifetime

August 31st following attainment of age 70 or retirement, whichever is earlier

Included;
Maximum for Meals: N/A
Maximum for Mileage: $0.20 per KM
Maximum for Accommodation: $30 per day for 7 days

N/A

Prescription Required

No

$0

N/A

Covered

Not covered

Covered up to $300 lifetime max

Included

100%

Combined with overall maximum

Private

$10,000 per calendar year

Option 1 – Not covered;
Option 2 – $400 per 5 calendar years for Dependent Children only;
Option 3 – $300 per 5 calendar years;
Option 4 – $400 per 5 calendar years;
Option 5 – $500 per 5 calendar years

Covered

Charges for the following expenses, when recommended by a Physician or podiatrist/chiropodist: a) stock-item orthopedic shoes which are attached to and form part of a brace; or b) if shoes do not form part of a brace, shoes will be limited to 2 pairs per calendar year to the greater of the actual cost of the specific adjustment or 50% of the total cost of the shoe. c) custom-made shoes which are: i) constructed by a Certified Orthopaedic Footwear Specialist; and ii) required because of a medical abnormality that, based on medical evidence, cannot be accommodated in a stock-item orthopaedic shoe or a modified stock-item orthopaedic shoe.

2 pairs per 3 calendar years to a maximum of $400 per pair

Prescription Glasses:
Option 1-Not covered;
Option 2- $125 per 2 calendar years; Option 3- $200 per 2 calendar years;
Option 4- $300 per 2 calendar years;
Option 5- $300 per calendar year;

Contact Lenses (where medically necessary):
Option 1-Not covered;
Option 2, 3, 4, 5 – $200 per 2 calendar years;

Visual Training:
Option 1-Not covered;
Option 2, 3, 4, 5 – $200 per lifetime

Option 1-Not covered;
Option 2, 3, 4, 5- 1 exam per calendar year for Dependent Children, and 1 exam per 2 calendar years for Member and Spouse

Not covered

Option 1 – $500 per calendar year combined for services of a chiropractor, osteopath, podiatrist/chiropodist, massage therapist, naturopath, speech therapist, physiotherapist, and psychologist;
Options 2, 3, 4 and 5 – $1,000 per calendar year combined for services of the above listed

Option 1 – $500 per calendar year combined for services of a chiropractor, osteopath, podiatrist/chiropodist, massage therapist, naturopath, speech therapist, physiotherapist, and psychologist;
Options 2, 3, 4 and 5 – $1,000 per calendar year combined for services of the above listed

Option 1 – $500 per calendar year combined for services of a chiropractor, osteopath, podiatrist/chiropodist, massage therapist, naturopath, speech therapist, physiotherapist, and psychologist;
Options 2, 3, 4 and 5 – $1,000 per calendar year combined for services of the above listed

Option 1 – $500 per calendar year combined for services of a chiropractor, osteopath, podiatrist/chiropodist, massage therapist, naturopath, speech therapist, physiotherapist, and psychologist;
Options 2, 3, 4 and 5 – $1,000 per calendar year combined for services of the above listed

Option 1 – $500 per calendar year combined for services of a chiropractor, osteopath, podiatrist/chiropodist, massage therapist, naturopath, speech therapist, physiotherapist, and psychologist;
Options 2, 3, 4 and 5 – $1,000 per calendar year combined for services of the above listed

Option 1 – $500 per calendar year combined for services of a chiropractor, osteopath, podiatrist/chiropodist, massage therapist, naturopath, speech therapist, physiotherapist, and psychologist;
Options 2, 3, 4 and 5 – $1,000 per calendar year combined for services of the above listed

$100 per calendar year

Option 1 – $500 per calendar year combined for services of a chiropractor, osteopath, podiatrist/chiropodist, massage therapist, naturopath, speech therapist, physiotherapist, and psychologist;
Options 2, 3, 4 and 5 – $1,000 per calendar year combined for services of the above listed

Option 1 – $500 per calendar year combined for services of a chiropractor, osteopath, podiatrist/chiropodist, massage therapist, naturopath, speech therapist, physiotherapist, and psychologist;
Options 2, 3, 4 and 5 – $1,000 per calendar year combined for services of the above listed

$100 per calendar year

N/A

PBC Schedule 2

Fee Guide +10%

August 31st following attainment of age 70 or retirement, whichever is earlier

N/A

Flex Option 1 – 70%;
Flex Option 2 – 80%;
Flex Option 3, 4, 5 – 100%

Flex Option 1 – $1,000 combined with Major services;
Flex Option 2, 3, 4, 5 – Unlimited

As indicated in the Fee schedule/Fee guide

As indicated in the Fee schedule/Fee guide

Flex Option 1 – 70%;
Flex Option 2 – 80%;
Flex Option 3, 4, 5 – 100%

Flex Option 1 – $1,000 combined with Major services;
Flex Option 2, 3, 4, 5 – Unlimited

Flex Option 1, 2, 3 – 50%;
Flex Option 4 – 60%;
Flex Option 5 – 70%

Flex Option 1 – $1,000 combined with Basic services;
Flex Option 2 – $1,000;
Flex Option 3, 4 – Unlimited; Flex Option 5 – $2, 500

Flex Option 1 – N/A;
Flex Option: 2, 3 – 50%;
Flex Option 4 – 60%;
Flex Option 5 – 70%

Flex Option 1 – N/A;
Flex Option 2 – $850 (dependent children only);
Flex Option 3, 4 – $1,800;
Flex Option 5 – $2,500

See above

Option 1 – 1 x annual earnings;
Option 2 – 2 x annual earnings;
Option 3 – 3 x annual earnings;
Option 4 – 4 x annual earnings;
Option 5 – 5 x annual earnings

Options 1, 2 and 3 – $300,000;
Option 4 and 5 – $500,000

August 31st following attainment of age 70 or retirement, whichever is earlier

50% at age 65

Matches LTD

Available

$500,000

Available

$150,000 (Active Employees & Spouses); $3,000 (Dependent Children)