Manulife - FlexCare - ComboPlus Enhanced

Payments for accidental death or dismemberment directlyresulting from an accident, occurring within one year of the date of theaccident. Additional coverage can be purchased as an Add-On.

• Up to $25,000 for adults
• Up to $10,000 for children and persons aged 65 years or over

Covers trips to hospital in a licensed ambulance in yourhome province/territory of residence. Covers charges up to the amount betweenwhat your government health insurance plan covers and what is reasonable andcustomary.

Unlimited ground and air transport

Reimbursement (for ongoing maintenance services: fillings, cleanings, scalings, examinations, polishings, and select extractions) per year

• 100% of first $500, 60% of next $700

Anniversary year maximum for basic dental services

• $920

Recall visits

• 6 months

Oral surgery, periodontics, endodontics (root canal)

• Year 1: 60%; Year 2: 60%; Year 3+: 80%
• Combined maximum for oral surgery, periodontics, endodontics and major restorative of $1,250

Major restorative (orthodontics, crowns, bridges, dentures) – benefits commence in year 2

• Year 1: 0%; Year 2+: 60%
• per 3 consecutive years, with a year 1 combined maximum of $400.

Coverages are designed to coincide with the current provincial Dental Association Fee Guide for General Practitioners.

Covers the costs to purchase and/or repair up to the allowed maximum.

• $400 per 4 benefit years
• Seniors’ Adjustments 65+: $500 maximum per person, per 4consecutive benefit years

Covers services of:

• Registered Nurse (R.N.)
• Registered Practical Nurse (R.P.N.)
• Licensed Practical Nurse (L.P.N.)
• Personal Support Worker
• Occupational Therapist

Must be medically necessary and provided in the insured’s primary residence.

Prior Authorization required before services begin.

$4,000 per person, per anniversary year

Seniors’ Adjustments 65+: $4,500 per person, per anniversary year

Includes:

• Medically necessary equipment: purchase or rental of items such as hospital beds, wheelchairs, walkers, and other durable medical equipment.
• Surgical bandages and dressings.
• Prosthetic appliances: artificial limbs and eyes, external breast prosthesis following mastectomy, wigs for oncology-related diagnosis, splints, trusses, cervical collars, and braces (excluding dental braces).

Must be medically necessary and prescribed by a physician or nurse practitioner.

Prior Authorization is required for most items, especially those exceeding $300 or listed in the policy.

Payment is coordinated with government programs (e.g., Assistive Devices Program).

• $4,000 maximum per person, per anniversary year
• Seniors’ Adjustments 65+: $4,500 maximum per person, per anniversary year

Registered Specialists and Therapists (ParamedicalServices): Chiropractor ($35 chiropractic x-rays per year), Chiropodist,Osteopath, Naturopath, Podiatrist,

Registered Massage Therapist, Acupuncturist, Dietitian (per person per anniversary year)

• Dollar maximum $25/visit, maximum visits 20/specialist

Registered Psychologist/Psychotherapist/Clinical Counsellor(per person per anniversary year)

• Maximum visits 15, First visit $80, Subsequent visits $65

Registered Speech Pathologist/Therapist (per person per anniversary year)

• Maximum visits 10, First visit $65, Subsequent visits $45
• Seniors’ Adjustments 65+: Maximum Visits 15Registered Physiotherapist (per person per anniversary year)
• $250 maximum

Generic drugs vs. brand-name drugs

• Brand-name or Generic

Shared Dispensing Fee (subject to applicable co-payment)

• No maximum

Exclusions – Smoking cessation drugs, over-the-counterdrugs, fertility drugs, birth control drugs, erectile dysfunction drugs anddrugs not requiring a prescription

• All except birth control drugs

Reimbursement of eligible prescription costs per year

• 90% of first $2,222, 100% of next $8,000
• Seniors’ Adjustments 65+: 100% of first $750, 90% of next$10,278Anniversary year maximums per person
• $10,000
• Seniors’ Adjustments 65+ $10,000

TELUS Health Virtual Care

• 24/7 access to healthcare practitioners online, through the app.

$5,000,000 emergency health coverage per person for tripslasting a maximum of 9 days. (A $100 deductible applies per claim.)

• Included

Additional coverage for either 8 or 21 days can be purchasedas an Add-On.

• 100% reimbursement to a maximum of $250 every 2 years for lenses and frames, contacts or laser eye surgery
• $70 per 2 benefit years for Optometrist visits

This benefit does not include industrial safety glasses.