Healthcare Plan Coverage

Healthcare helps pay for the growing number of healthcare expenses not paid for by provincial health plans. Building on the base government plan, Group Insurance offers comprehensive coverage for supplies and services not covered or not fully covered by the government plan.

Healthcare coverage includes:

  • Prescription drugs: A range of drug plan options that allow you to better manage the rising cost of prescription drugs, while providing your plan members with the coverage they need.

Some of the benefits include:

  • Multilingual assistance to locate hospitals, clinics and physicians

  • Medical evacuation if suitable local care is not available

  • Transportation reimbursement for missed trips home due to hospitalization.

Prescription drug payment methods include:

  • Traditional reimbursement – the plan member pays for prescriptions, then submits a claim for the amount covered by the plan.

  • Card point-of-sale reimbursement – the pharmacist submits claims electronically at the point of sale, and the plan member only pays for any amount not covered by the plan.

  • Diagnostic services for lab and X-rays

  • Medical supplies and services (for example, orthopedic equipment, diabetic supplies, and prosthetic equipment)

  • Ambulance services

Prescription drug payment methods include:

  • Traditional reimbursement – the plan member pays for prescriptions, then submits a claim for the amount covered by the plan.

  • Card point-of-sale reimbursement – the pharmacist submits claims electronically at the point of sale, and the plan member only pays for any amount not covered by the plan.

  • Diagnostic services for lab and X-rays

  • Medical supplies and services (for example, orthopedic equipment, diabetic supplies, and prosthetic equipment)

  • Ambulance services

  • Hospital and nursing care for acute, convalescent or palliative care

  • Emergency health insurance while travelling outside Canada, for the first 60 days, and Global Medical Assistance (GMA). GMA provides enhanced protection and assistance for medical emergencies that occur in Canada while more than 500 kilometres from home, or outside Canada. 

Optional healthcare benefits:

  • Visioncare

  • Medical travel within Canada, when referred by a physician

  • Paramedical coverage (for example, chiropractors, physiotherapists, massage therapists, and dieticians etc.)