What are the personal health coverage options available?
Whether you’re retiring, changing jobs or moving to a career with no group benefits, Coverage2go® from Equitable Life® allows you to purchase health and dental coverage that is affordable and reliable. Coverage2go may not cover all the same benefits or have the same coverage maximum amounts as under your previous group benefits plan; please see below for details.
There are no medical questions if you apply within 60 days of losing health coverage under your group benefits plan. To apply for dental coverage, you will need to have had a dental benefit under your previous plan.
You automatically qualify for coverage if you:
- Had group health benefits within the last 60 days;
- Have registered provincial health coverage; and
- Are less than 75 years of age.
There are two levels of protection to select from, so you can choose the level of coverage and protection that suits the needs of you and your family.
|
Benefit |
Coverage2go |
Coverage2go+ |
|
Overall plan maximum (includes Private Duty Nursing, Medical supplies/equipment, Dental Accident, Paramedical practitioners and/or Ambulance) |
$200,000 |
$300,000 |
|
Prescription drugs |
80% coverage |
80% coverage |
|
Vision (includes eye glasses, contact lenses, surgery and eye examinations) |
100% coverage |
100% coverage |
|
Paramedical practitioners (includes chiropractor, registered massage therapist, naturopath, osteopath, physiotherapist, podiatrist/chiropodist, psychologist, acupuncturist and/or speech therapist) |
$500 combined maximum/year |
$650 combined maximum/year |
|
Hospital care (semi-private) |
85%, $175/day |
85%, $200/day |
|
Private duty nursing |
85% coverage |
90% coverage $25,000 lifetime |
|
Medical supplies/equipment (includes prosthesis, orthotics/orthopaedic shoes, wheelchairs, wigs and hairpieces, glucometers, casts, crutches, hospital bed, hearing aids) |
85% coverage |
90% coverage |
|
Dental accident |
$5,000/lifetime |
$5,000/lifetime |
|
Ambulance |
100% coverage for ground services only |
100% coverage for ground services |
|
Emergency Travel Assistance |
$1 million/policy lifetime |
$1 million/policy lifetime |
|
Optional Dental |
80% Basic Services (9 month recall exam) |
80% Basic Services (9 month recall exam) |
* Coverage information provided in this document is for descriptive purposes only. Certain definitions and exclusions apply which are set out in the policy contract at time of issue. Reimbursement is based on reasonable and customary costs where services are provided. Different maximums apply to each covered type of Medical Equipment and Supply.
**Major Restorative Services are only available after Dental benefits have been in place for one year. Major Restorative Services include: Endodontics and Periodontics (e.g. services associated with the restoration or reconstruction of teeth or missing teeth such as crowns, bridges and dentures)
