Canada Life - Freedom to Choose - Guaranteed Plus

Ambulance service including air ambulance, if provided by a licensed ambulance company for transportation to the nearest centre where essential treatment is available.

Treatment from accidental injury to sound natural teeth. The accident must occur while the insured is covered under the Freedom to Choose health and dental insurance policy. Treatment must begin within 60 days after the injury and be performed by a dentist, oral surgeon or denturist.

• Routine dental: Covered at 80% to a maximum of $1,000 per person, per calendar year
• Diagnostic services: One complete oral examination per insured person every three years; oral pathology, periodontal, surgical, prosthodontic and endodontic examinations; limited oral and periodontal examinations limited to twice per year per insured person; specific and emergency examinations; one complete series of intra-oral radiographs per insured person every three years; intra-oral radiographs to a maximum of 15 films and one panoramic radiograph per insured person every three years when not provided in the same year as a complete series; sialography; extra-oral radiographs other than panoramic and sialography; radiopaque dyes used to demonstrate lesions; interpretation of radiographs or models from another source; microbiological, histological, cytological, and pulp vitality tests and laboratory services
• Preventative services: Prophylaxis and topical application of fluoride twice per insured person per year pit and fissure sealants on bicuspids and permanent molars once per insured person every five years; space maintainers and maintenance of space maintainers; appliances for the control of harmful habits; finishing restorations; interproximal disking and recontouring of teeth
• Minor restorative services: Caries, trauma and pain control; amalgam and tooth-coloured posts for fillings; retentive pins and prefabricated posts for fillings and prefabricated crowns for primary teeth
• Denture maintenance: One denture reline, rebase and resilient liner in relined or rebased dentures per insured person every three years
• Oral surgery: Removal of teeth; surgical exposure of teeth; minor alveoplasty, gingivoplasty and stomatoplasty for remodelling and recontouring oral tissues; surgical incisions; surgical excision of tumours, cysts, and granulomas; treatment of fractures, including related bone grafts to the jaw; treatment of maxillofacial deformities, including related bone grafts to the jaw and cheiloplasty and palatal obturators
• Adjunctive services: Minor remedies for relief of dental pain, therapeutic injections and anaesthesia required in relation to covered services
• Endodontic services: Procedures described in the endodontic section of the Canadian Dental Association Uniform System of Coding and List of Services. Root canal therapy on permanent teeth is limited to one course of treatment per tooth
• Periodontal services: Procedures described in the periodontal section of the Canadian Dental Association Uniform System of Coding and List of Services. Both scaling and root planing are limited to a combined maximum of six 15-minute time units per insured person per year. Both occlusal adjustment and equilibration are limited to a combined maximum of six 15-minute time units per insured person per year
• Major dental: No coverage (optional major dental services and supplies benefit available)

Hearing aids, including batteries, tubing and ear moulds provided at the time the hearing aid is purchased, to a maximum of $500 per person every 5 years

The difference in cost between private and standard ward accommodation in hospital if the private accommodation starts while insured under this plan and is for acute, convalescent or palliative care.

In-home nursing care: Benefits payable are limited to:

• The minimum number of hours per day or week
• The level of skill needed to provide each essential nursing service

For nursing care, payable benefits are up to a maximum of 12 months, beginning on the first day of care. The maximum amount payable is $3,000. The maximums will be reinstated for a subsequent period of nursing care if :

• It follows a period of at least six months during which no nursing care was needed
  OR
• It is required for a different and unrelated injury or sickness

Hospital care and in-home nursing care benefits aren’t payable for chronic care.

Nursing home care: Accommodation in a nursing home, if accommodation starts while insured under the Freedom to Choose health and dental insurance policy and is for acute, convalescent, chronic or palliative care. Coverage is for up to $50 per day, for 30 days per condition, per lifetime of the condition. Nursing home care must be approved by Canada Life prior to commencement of care.

The following supplies, when prescribed by a physician. For supplies available on a rental basis, Canada Life covers the rental cost, or at its discretion, the cost of purchase.

• Diagnostic lab and x-ray services: Performed in the insured’s home province or territory
• Breathing equipment: Oxygen and the equipment needed for its administration; intermittent positive pressure breathing machines; continuous positive airway pressure machines; apnea monitors for respiratory dysrhythmias; mist tents and nebulizers; chest percussors, drainage boards, sputum stands and tracheostoma tubes
• Orthopedic equipment: Benefits payable for custom-made foot orthotics and custom-fitted orthopedic shoes, including modification to orthopedic footwear, are limited to $250 in a calendar year
• Prosthetic equipment: External breast prostheses (once per insured person per calendar year), surgical brassieres (two per insured person per calendar year), artificial eyes, standard artificial limbs, cleft palate obturators, and internal breast prostheses to the amount payable for external breast prostheses
• Mobility aids: Wheelchairs and power scooters when necessary to permit independent participation in daily living and repairs and rechargeable batteries for covered wheelchairs (limited to $1,500 per insured person per lifetime)
• Diabetic equipment: Coverage for blood-glucose, flash glucose, and continuous glucose monitoring machines, including sensors and transmitters for continuous glucose monitoring machines, is limited to $1,000 per calendar year
• Other medical supplies:
• Canes
• Walkers
• Crutches
• Parapodiums
• Hospital beds
• Bed rails
• Trapeze bars
• Head halters and traction apparatus
• Colostomy and ileostomy supplies
• Catheters and catheterization supplies
• Food substitutes that must be administered through a tube feed process and the tube feeding pumps and pump sets
• Transcutaneous nerve stimulators for the control of chronic pain (limited to $700 per insured person per lifetime)
• Custom-made pressure supports for lymphedema
• Custom-made compression hose (limited to 4 pairs per insured person per calendar year)
• Extremity pumps for lymphedema or severe postphlebitic syndrome (limited to $1,500 per insured person per lifetime)
• Custom-made burn garments
• Elevated toilet seats
• Shower chairs
• Bathtub rails and standard commodes
• Wigs for cancer patients undergoing chemotherapy (limited to $500 per insured person per lifetime)
• Surgically implanted intraocular lenses
• Eye glasses or contact lenses following eye surgery (limited to one pair following eye surgery)

Unless prohibited by law, Canada Life will pay for the portion of the cost of paramedical services that is not payable under a government plan.

Benefits payable for reasonable and customary charges for:

• Treatment of muscle and bone disorders, including diagnostic x-rays, by a licensed chiropractor are limited to a maximum amount payable of $350 in a calendar year
• Treatment of nutritional disorders by a registered dietician, are limited to a maximum amount payable of $350 in a calendar year
• Treatment by a licensed osteopath, including diagnostic x-rays, are limited to a maximum amount payable of $350 in a calendar year
• Treatment of movement disorders by a licensed physiotherapist are limited to a maximum amount payable of $350 in a calendar year
• Treatment of foot disorders, including diagnostic x-rays, by a licensed podiatrist are limited to a maximum amount payable of $350 in a calendar year
• Treatment by a registered psychologist or social worker are limited to a maximum amount payable of $350 in a calendar year
• Treatment by a qualified massage therapist are limited to a maximum amount payable of $350 in a calendar year
• Treatment of speech impairments by a qualified speech therapist are limited to a maximum amount payable of $350 in a calendar year
• Treatment by a licensed naturopath are limited to a maximum amount payable of $350 in a calendar year
• Treatment by a qualified acupuncturist are limited to a maximum amount payable of $350 in a calendar year

Drugs that by law require a prescription by a physician or other person entitled by law to prescribe them.

• Co-insurance with drug card 85% to a maximum of $1,500 per person, per calendar year
• Co-insurance with no drug card 100% to a maximum of $1,500 per person, per calendar year
• Disposable needles for use with non-disposable insulin injection devices, lancets, test strips, and sensors for flash glucose monitoring machines

Coverage is not provided for certain prescription drugs such as:

• Drugs for the treatment of erectile dysfunction
• Smoking cessation products
• Homeopathic preparations, proprietary or patent medicines
• Any drug that does not have a drug identification number (din) as defined by the Food and Drugs Act, Canada

Note: if you live in Quebec, you are required to have drug coverage through your employer or the Quebec provincial plan, the Régie de l’assurance maladie du Québec (RAMQ).

• Consultation services that put you in touch with the world’s best medical specialists to help with diagnosis and treatment planning for serious illnesses

• 100% up to $200 per person every 2 years for glasses and contact lenses required to correct vision when provided by a licensed ophthalmologist, optometrist or optician; and laser eye surgery when performed by a licensed ophthalmologist.
• One eye exam every 2 years when performed by a licensed ophthalmologist or optometrist.