Sun Life - Health Coverage Choice - Plan B (With Dental)

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

• Ground ambulance service
• No coverage for air ambulance

Preventative

• Examinations and diagnosis
• Tests, x-rays, and ab exams
• White fillings
• Scaling and extractions
• Recall visits every 9 months
• Minor emergency treatment
• 80% reimbursement
• $700 annual maximum

Restorative

• Endodontics
• Periodontics
• Oral surgery
• Crowns
• Onlays
• Bridges
• Dentures (and repairs)
• 50% reimbursement
• $700 annual maximum combined with preventive
• 1-year waiting period before coverage begins

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

$400 per 5 benefit years

$5,000 annual maximum and a $25,000 lifetime maximum

• Medical equipment and services have a $2,500 annual maximum
• Orthopedic shoes: $250 annual maximum
• Blood glucose monitor: $250 every 5 years
• Continuous glucose monitors: Reasonable and customary services and charges
• Medically necessary wigs and hair pieces: $350 lifetime maximum
• Wheelchairs, walkers and traction kits: $4,000 lifetime maximum
• Hospital bed, oxygen: $1,500 lifetime maximum for hospital beds
• Casts, crutches: $300 annual maximum
• Prosthetic appliances (e.g. artificial limbs): Reasonable and customary services and charges
• Breast prosthesis: $200 annual maximum

• Chiropractors, including 1 x-ray examination per calendar year
• Registered massage therapists
• Naturopaths and acupuncturists
• Osteopaths, including 1 x-ray examination per calendar year
• Physiotherapists
• Podiatrists or chiropodists, including 1 x-ray examination per calendar year
• Speech language pathologists
• Psychologists and social workers
• 100% reimbursement
• No per visit maximum
• $300 per year per type of practitioner and combined maximum up to $500 per calendar year
• Psychologist/social worker: $70 per visit up to 7 visits per year

• Generic drugs vs. brand-name drugs: Generic
• Pay Direct Drug card (except in Quebec)
• No deductible
• Smoking cessation medication ($250 lifetime maximum)
• 80% reimbursement
• $1,300 annual maximum
• Full coverage of reasonable and customary dispensing fees up to the plan reimbursement

Lumino Health

https://luminohealth.sunlife.ca/

• 100% reimbursement
• $1 million lifetime maximum
• Coverage provided for the first 60 days of a trip
• Covers travel outside of your province or territory or outside of Canada
• Available until the age of 80

If you have a pre-existing medical condition where symptoms have appeared or required medical attention, hospitalization or treatment (this includes changes in medication or dosage), and existed during the 9 months before your trip, expenses related to this condition are not included.

• Prescription eye glasses
• Prescription contact lenses
• Prescription sunglasses
• Laser eye surgery
• 100% reimbursement
• $200 maximum every
• 2 years, including
• $50 maximum per eye exam