Shop for the family benefits that are just right for you, no sales pressure.
COMPARE PLANS
Shop for the family benefits that are just right for you, no sales pressure.
Please use the table below as a comparison of individual health insurance plans. For the full details concerning coverage (e.g. paramedicals, etc.) please see the health plan details page or click on a Plan name listed below.
| Insurance Plan | Dental? | Amount of Dental | Drugs? | Amount of Drugs |
|---|---|---|---|---|
| Manulife: Flexcare DentalPlus (Basic) | Year 1 : – 50% of first $1,150. – Total payable: $575/year per person Year 2+ : – 80% of first $400 – 50% of next $860. – Total payable: $750/year per person | not applicable | ||
| Manulife: Flexcare DentalPlus (Enhanced) | Year 1 : – 70% of first $1,200 – Total payable: $840/year per person Year 2+ : – 100% of first $500. – 60% of next $700. – Total payable: $920/year per person | not applicable | ||
| Manulife: Flexcare DrugPlus (Basic) | not applicable | – 70% first $750, 90% next $4,972 – Total benefits payable: $5,000/year per person – Senior’s adjustments apply if 65 or older | ||
| Manulife: Flexcare DrugPlus (Enhanced) | not applicable | – 90% first $2,222, 100% next $8,000 – Total benefits payable: $10,000/year per person – Senior’s adjustments apply if 65 or older | ||
| Manulife: Flexcare ComboPlus (Starter) | – 70% of 1st $575 – Total benefits payable: $400/year per person | – 70% of 1st $750 – Total benefits payable: $525/year per person – Senior’s adjustments apply if 65 or older | ||
| Manulife: Flexcare ComboPlus (Basic) | – 80% of first $400, 50% next $860 – Total benefit payable per year $750 (per person) | – 70% first $750, 90% next $4,972 – Total benefits payable: $5,000/year per person (same as DrugPlus Basic) – Senior’s adjustments apply if 65 or older | ||
| Manulife: Flexcare ComboPlus (Enhanced) | – 100% of first $500 of eligible services – 60% of next $700 of eligible services – Total maintenance benefits payable/year: $920 – Major dental (crowns, etc.) available 3rd year of coverage | – 90% first $2,000, 100% next $8,000 – Total benefits payable: $10,000/year per person (same as DrugPlus Enhanced) – Senior’s adjustments apply if 65 or older |
| Coverage Type | Coverage Level | Description |
|---|---|---|
| Extended Health Benefit | Regular | – Semi-private or private room (max. of $200/day) – Hearing aids (up to $300 every 60 months) – Nursing and homecare (up to $2,500/calendar year) – Orthopedics (max. refund of $175/calendar year) – Ambulance services – Accidental dental (damage due to accident) – Specialist coverage e.g. chiropractor, acupuncturist, physiotherapist, etc. |
| Extended Health Benefit | Enhanced | – Semi-private or private room (max. of $200/day) – Travel insurance (up to 15 days, $5 million hospital, medical coverage) – Vision care (lenses, frames, contact lenses, etc.). Max of $150/year – Hearing aids (up to $300 every 60 months) – Nursing and homecare (up to $2,500/calendar year) – Orthopedics (max. refund of $175/calendar year) – Ambulance services – Accidental dental (damage due to accident, up to $2,000 calendar year) – Specialist coverage for: chiropractor, acupuncturist, physiotherapist, etc. |
| Dental Care | Basic | – Preventative Care: – Exams, diagnostic services, radiographs, lab. tests, preventive services – 70% of coverage, up to $750 per calendar year – Basic Care: – Minor restorative services, endodontics, periodontics, dentures – 70% of coverage, up to $750 per calendar year (maximum includes preventative care) – Major Restorative Services: – none available |
| Dental Care | Enhanced | – Preventative Care: – Exams, diagnostic services, radiographs, lab. tests, preventive services – 70% first calendar year, 75% second calendar year, 80% 3rd year+ – Basic Care: – Minor restorative services, endodontics, periodontics, dentures – 70% 1st calendar year, 75% 2nd calendar year, 80% 3rd year+ – Up to $750 per calendar year (maximum includes preventative care) – Major Restorative Services: – Extensive restorative procedures, prosthodontic services – 50% coverage, up to $500/calendar year – Available the third year of coverage and following years |
| Drug Benefit | Basic | – 80% reimbursement for eligible prescribed medications – No deductible – Pay Direct drug card – Not available to persons 65 or older – No lifetime maximum. Per calendar year max. of $5,000 |
| Drug Benefit | Deluxe | – 80% reimbursement for eligible prescribed medications – No deductible – Pay Direct drug card – Not available to persons 65 or older – No lifetime maximum. Per calendar year max. of $10,000 |
These adjustments to prescription drug coverage apply if the applicant is 65 years old or more.
– 100% coverage for the first $750 of eligible drug costs
– 90% on the next $4,722 of eligible drug costs
– Total of $5,000 per person per anniversary year
– 100% coverage for the first $750 of eligible drug costs
– 90% on the next $10,278 of eligible drug costs
– Total of $10,000 per person per anniversary year
– coverage increased to 100% of first $750 of eligible drug costs
