Complete Health
Modules Comparison
All Complete Health plans are made with one Health Benefits module, plus additional optional benefits modules to fit your needs.
Begin by reviewing our three Health Benefits modules to find the right one for you.
Your base module: Health Benefits
| 1. Entry | 2. Essential | 3. Enhanced |
|---|---|---|
| Coverage | ||
| 60% coverage | 70% coverage | 80% coverage |
| Accidental Dental | ||
| $7,000 / lifetime | $7,000 / lifetime | $7,000 / lifetime |
| Acupuncturist | ||
| — | $55 per visit – max $400/CY | $70 per visit – max $500/CY |
| Ambulance | ||
| — | $420/CY | $420/CY |
| Audiologist | ||
| $40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY |
| Chiropodist/Podiatrist | ||
| $40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY |
| Chiropractor | ||
| $40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY |
| Health Coaching and Chronic Disease Management (Ongoing education and support for better health) | ||
| $250/CY | $400/CY | $500/CY |
| Diabetic supplies | ||
| — | ✓ | ✓ |
| Dietician | ||
| $40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY |
| Hearing Aids/Repairs (6 month wait) | ||
| — | $400/5CYs | $500/5CYs |
| Wellness Program – inConfidence (24 hour confidential advice and support for personal issues) | ||
| ✓ | ✓ | ✓ |
| Massage Therapist | ||
| — | $55 per visit – max $400/CY | $70 per visit – max $500/CY |
| Medical Equipment | ||
| — | ✓ | ✓ |
| Mobility Aids | ||
| ✓ | ✓ | ✓ |
| Naturopath | ||
| — | $55 per visit – max $400/CY | $70 per visit – max $400/CY |
| Nursing Care | ||
| — | $3,500/2CYs | $5,600/2CYs |
| Occupational Therapist | ||
| $40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY |
| Osteopath | ||
| $40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY |
| Orthotics/Orthopedic (custom) | ||
| $150/CY | $150/CY | $225/CY |
| Ostomy Supplies | ||
| — | ✓ | ✓ |
| Oxygen | ||
| — | ✓ | ✓ |
| Physiotherapist/Athletic Therapist | ||
| $40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY |
| Prosthetics | ||
| — | Up to $10,000 / Lifetime | Up to $10,000 / Lifetime |
| Psychologist/ Social Worker/Clinical Counsellor/ Psychotherapist | ||
| $55 per visit – max $250/CY | $80 per visit – max $400/CY | $95 per visit – max $500/CY |
| Semi-Private Hospital Room (8 month wait pregnancy related claims) | ||
| — | — | 100% / 90 days |
| Speech Therapist | ||
| $40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY |
| Vision Care (6 month wait) | ||
| $100/2CYs | $150/2CYs | $300/2CYs |
| Diagnostic Services Coverage | ||
| 100% | 100% | 100% |
| Laboratory Tests | ||
| $500/CY | $500/CY | $500/CY |
| CT Scan Computer Tomography | ||
| $250/CY | $250/CY | $250/CY |
| Magnetic Resonance Imaging | ||
| $675/CY | $675/CY | $675/CY |
| Ultrasound | ||
| $100/CY | $100/CY | $100/CY |
| Polysomnography | ||
| $500/2CYs | $500/2CYs | $500/2CYs |
Travel
| 1. Entry | 2. Essential | 3. Enhanced |
|---|---|---|
| Coverage | ||
| — | — | 100% coverage ($5,000,000) |
| Maximum Duration | ||
| — | — | 30 days |
Accident Death and Dismemberment
| 1. Entry | 2. Essential | 3. Enhanced |
|---|---|---|
| Coverage | ||
| — | 50% to 100% coverage | 50% to 100% coverage |
| Maximum | ||
| — | $15,000 applicant or spouse $5,000 each dependent child |
$20,000 applicant or spouse $5,000 each dependent child |
Benefits are per person per calendar year unless otherwise stated. See policy booklet for more details.
Next, explore optional benefits that you can pick and choose from to add to your Complete Health plan.
Your optional benefits modules:
Drug Benefits ( Supplemental RAMQ coverage)1
You can add one of the two optional Drug Benefits modules to your Complete Health plan.
| 1. Essential | 2. Enhanced |
|---|---|
| Coverage | |
| 70% coverage | 80% coverage |
| Maximum | |
| $100,000/CY | $300,000/CY |
| Smoking Cessation2 | |
| $800/5CYs | $800/5CYs |
| Fertility Drugs2 | |
| — | $1,500/CY up to $3,000/LT |
| Vaccines2 | |
| — | $250/CY |
| Allergy Serums2 | |
| — | $500/CY |
| Erectile Dysfunction Drugs2 | |
| — | $250/CY |
1 Reimbursement at 70% or 80% based on the selected coverage for: the deductible and the coinsurance payable under the Régie de l’assurance maladie du Québec (RAMQ) list of medications or under an equivalent group insurance coverage, and the cost of prescription drugs not listed on the RAMQ list of medications provided they meet the definition of eligible drugs under the policy and appear on the managed drug formulary.
2Maximums do not apply if the drugs are indicated as covered under the List of Medications administered by RAMQ or under an equivalent group plan. Benefit Annual Maximum applies.
Dental Benefits
You can add one of the three optional Dental Benefits modules to your Complete Health plan.
| 1. Entry | 2. Essential | 3. Enhanced |
|---|---|---|
| Basic Dental Coverage | ||
| 60% coverage Maximum $500/CY | 70% coverage No overall maximum | 80% coverage No overall maximum |
| Dental Exam & Cleaning (Entry: 3 month wait; Essential and Enhanced: 6 month wait) | ||
| ✓ | ✓ | ✓ |
| X-rays (Entry: 3 month wait; Essential and Enhanced: 6 month wait) | ||
| ✓ | ✓ | ✓ |
| Fillings (Entry: 3 month wait; Essential and Enhanced: 6 month wait) | ||
| ✓ | ✓ | ✓ |
| Extractions (6 month wait) | ||
| — | ✓ | ✓ |
| Root Canals (6 month wait) | ||
| — | ✓ | ✓ |
| Periodontal Services Coverage (24 month wait) | ||
| — | — | 60% maximum $1,200/CY |
| Major Dental Coverage (24 month wait) | ||
| — | — | 60% maximum $500/CY |
| Orthodontics Coverage (age 18 and under; 24 month wait) | ||
| — | — | 60% maximum $1,500/LT Reimbursement limit $125/month |
Critical Illness
You can add this optional benefit module to your Complete Health plan.
Critical Illness covers in the event of an unexpected illness or injury. Payouts are $25,000 for the member, $25,000 for a spouse, and $10,000 for dependent children.
There are 16 covered conditions including: Alzheimer’s disease, blindness, burns, coma, deafness, life threatening cancer, loss of speech, major organ failure, major organ failure requiring transplant, motor neuron disease, multiple sclerosis, paralysis, Parkinson’s disease, senile dementia, severe heart attack, severe stroke.
Hospital Cash
You can add this optional benefit module to your Complete Health plan.
$100 per day for up to 100 days per calendar year when hospitalized. If aged 65 and over, benefit is limited to 30 days per year.
Assured Access
You can add this optional benefit module to your Complete Health plan.
Assured Access allows you to put your coverage on hold should you acquire group health benefits and to reactivate your health plan later without needing to qualify again medically.
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