Health and Health Plus

The plan year for Health and Health Plus is Jan. 1 to Dec. 31. Your plan will automatically renew each year. You have 180 days after the end of the benefit year (Dec. 31) to submit your claim expenses that were incurred during that benefit year.

Co-insurance for Health Insurance refers to the portion that is paid by the insurance company. For example, a 90 per cent co-insurance means the insurer pays 90 per cent and you pay 10 per cent.

Benefit	Health	Health Plus
Plan maximum (lifetime reimbursement)	Lifetime limits on expenses per insured person: $2,000,000 emergency out of province/country travel medical $1,000,000 prescription drugs. Thereafter, with annual reinstatement of $25,000 per person for drugs, if the lifetime maximum is reached
Co-insurance	For Prescription drugs: Per insured member, spouse and dependent(s): your insurance will reimburse 50% of the first $650 of eligible expenses for each covered individual, 90% thereafter up to the limits and caps stated in the policy. For in-province hospital, ambulance, nursing, pregnancy and family support benefits, medical equipment, and services, paramedical services and hearing aids: Per insured member, spouse and dependent(s): your insurance will reimburse 50% of the first $350 of eligible expenses for each covered individual, 90% thereafter up to the limits and caps stated in the policy.	Your insurance will reimburse you 90 per cent of your eligible claims, up to the limits and caps stated in the policy Claims for your dependents will be reimbursed at 90 per cent, up to the limits and caps stated in the policy This applies to prescription drugs, ambulance, nursing and paramedical services.
Accidental Dental	Expenses incurred within three years of accident $10,000 for any one dental accident
Ambulance	Unlimited ground and air ambulance
Emergency out-of-province / country travel medical	100 per cent of the cost of emergency services while outside your home province Coverage for pre-existing medical conditions with no exclusions Travel advisory limitation Lifetime maximum of $2,000,000 per insured person Coverage for the first 90 days of travel if under age 70 Coverage for the first 30 days of travel if age 70 or over Need more coverage to protect your entire trip? You can use the Emergency Medical Top-Up Plan. Learn more about the Top-Up Plan.
Hearing aids	$500 every four plan years	$1,000 every four plan years
Hospital	Room and board charges between standard ward and semi-private rate	Room and board charges between standard ward and semi-private rate plus up to $100 per day for private room accommodation
Convalescent hospital	Room and board charges if admitted within 24 hours following a period as an in-patient in a hospital (180 day maximum)
Rehabilitative facility	Room and board charges between standard ward and semi-private or private rate up to $200 per day to a maximum of $14,000 per lifetime
Medical equipment	Wheelchairs: $5,000 lifetime maximum, and expenses are limited to the use of a manual wheelchair except if the insured’s medical condition warrants the use of an electric wheelchair Hospital beds: $5,000 lifetime maximum $5,000 maximum per plan year for purchase of braces, crutches, canes, and walkers as a result of illness or injury	Wheelchairs: $5,000 every five plan years, and expenses are limited to the use of a manual wheelchair except if the insured’s medical condition warrants the use of an electric wheelchair Hospital beds: no lifetime maximum $5,000 maximum per plan year for purchase of braces, crutches, canes, and walkers as a result of illness or injury
Paramedical services	$350 per plan year per practitioner type, per insured person. Physician’s order not required for: Licensed chiropractor Osteopath (Osteopathic treatments including one x-ray examination per plan year, provided by a Doctor of Osteopathic Medicine (DO). In addition, services from a practitioner who hold a Diploma of Osteopathic Manual Practice (DO(MP)) Acupuncturist Podiatrist Licensed naturopath Chiropodist Speech therapist Kinesiologist Registered massage therapist Physiotherapist ($1,000 per plan year per insured person) $10,000 maximum for mental health services provided by an approved provider, either in person or online	$500 per plan year per practitioner, per insured person. Physician’s order not required for: Licensed chiropractor Osteopath (Osteopathic treatments including one x-ray examination per plan year, provided by a Doctor of Osteopathic Medicine (DO). In addition, services from a practitioner who hold a Diploma of Osteopathic Manual Practice (DO(MP)) Acupuncturist Podiatrist Licensed naturopath Chiropodist Speech therapist Kinesiologist Audiologist Occupational therapist Dietitian Registered massage therapist Physiotherapist ($1,000 per plan year per insured person) $10,000 maximum for mental health services provided by an approved provider, either in person or online
Pharmacogenomic testing	One test per lifetime to a maximum of $500 when prescribed by a medical doctor for a medical diagnosis that is supported by pharmacogenomics testing. The test must be performed by an accredited laboratory
Pregnancy and family support benefits	Lactation Consultant up to $125 per hour, 2 hour maximum per pregnancy Birth Coach/Doula up to $1,000 maximum per pregnancy
Prescription drugs	Generic drugs (or brand name drugs when no generic equivalent is available) listed in federal or provincial drug schedules that have a Drug Identification Number (DIN) and require a prescription $1,000,000 lifetime maximum per insured. Once lifetime maximum is reached, annual $25,000 maximum reinstated Injectable drugs, vitamins and allergy serums Vaccines, whether or not they require a prescription Fertility drugs up to $7,000 lifetime maximum Diabetic supplies
Prescription drugs (dispensing fee)	Eligible expenses for the dispensing fee are limited to 50 per cent of up to $10 for each prescription or refill. The reimbursement level is increased to 90 per cent once the out-of-pocket maximum for prescription drug expenses has been reached	Eligible expenses for the dispensing fee are limited to 90 per cent of up to $11 for each prescription or refill
Private duty nursing	Licensed, certified or registered nurse or nursing assistant who is not a relative of the patient or a resident in the insured’s home A pre-authorized form, signed by a physician or nurse practitioner, is required $25,000 every three consecutive plan years, if age 65 or under $5,000 per plan year if over age 65
Medical services	Laboratory tests, ultrasounds and other medical imaging services, blood oxygen, colostomy and ileostomy supplies, artificial limbs and eyes, radiotherapy, diabetic supplies and cosmetic surgery necessary to repair disfigurement due to an accident sustained while insured, up to $5,000 per plan year (some restrictions apply) Breast prosthesis, $500 maximum per two plan years, per insured person Mastectomy brassieres, two per plan year, per insured person Surgical stockings, two pairs per plan year, per insured person Amputation socks, five pairs per plan year, per insured person Wigs following chemotherapy, $500 lifetime maximum, per insured person Continuous glucose monitors Insulin pumps Colostomy supplies Orthopedic shoes and orthopedic modifications, and orthotics, maximum $400 per insured person in two plan years Requires a doctor’s prescription	Laboratory tests, ultrasounds and other medical imaging services, blood oxygen, colostomy and ileostomy supplies, artificial limbs and eyes, radiotherapy, diabetic supplies and cosmetic surgery necessary to repair disfigurement due to an accident sustained while insured, up to $5,000 per plan year (some restrictions apply) Breast prosthesis, $500 maximum per two plan years, per insured person Mastectomy brassieres, two per plan year, per insured person Surgical stockings, two pairs per plan year, per insured person Amputation socks, five pairs per plan year, per insured person Wigs following chemotherapy, $500 lifetime maximum, per insured person Continuous glucose monitors Insulin pumps Colostomy supplies Orthopedic shoes and orthopedic modifications, and orthotics, plus custom-made orthotic inserts for shoes or custom-made orthopedic shoes or modification to orthopedic shoes, up to a combined maximum of $300 per insured person per plan year Requires a doctor’s prescription Contact lenses or intraocular lenses following cataract surgery, limited to a lifetime maximum of one lens per eye
Vision care	Not included	For any insured person, in two plan years, this can include: $50 maximum per insured person every two plan years for ophthalmologist or licensed optometrist services $300 per insured person under age 18 in a 12-month period or for any other covered person in any 24-month period. This can include: Contact lenses, eyeglasses or laser eye correction surgery (laser eye correction surgery must be performed by an ophthalmologist) Requires prescription by an ophthalmologist or licensed optometrist Prescription sunglasses, magnifying glasses or safety glasses for the correction of vision For coverage following cataract surgery, refer to medical services above

Benefit

Health

Health Plus

Plan maximum (lifetime reimbursement)

Lifetime limits on expenses per insured person:

$2,000,000 emergency out of province/country travel medical
$1,000,000 prescription drugs. Thereafter, with annual reinstatement of $25,000 per person for drugs, if the lifetime maximum is reached

Co-insurance

For Prescription drugs:

Per insured member, spouse and dependent(s): your insurance will reimburse 50% of the first $650 of eligible expenses for each covered individual, 90% thereafter up to the limits and caps stated in the policy.

For in-province hospital, ambulance, nursing, pregnancy and family support benefits, medical equipment, and services, paramedical services and hearing aids:

Per insured member, spouse and dependent(s): your insurance will reimburse 50% of the first $350 of eligible expenses for each covered individual, 90% thereafter up to the limits and caps stated in the policy.

Your insurance will reimburse you 90 per cent of your eligible claims, up to the limits and caps stated in the policy
Claims for your dependents will be reimbursed at 90 per cent, up to the limits and caps stated in the policy

This applies to prescription drugs, ambulance, nursing and paramedical services.

Accidental Dental

Expenses incurred within three years of accident
$10,000 for any one dental accident

Ambulance

Unlimited ground and air ambulance

Emergency out-of-province / country travel medical

100 per cent of the cost of emergency services while outside your home province
Coverage for pre-existing medical conditions with no exclusions
Travel advisory limitation
Lifetime maximum of $2,000,000 per insured person
Coverage for the first 90 days of travel if under age 70
Coverage for the first 30 days of travel if age 70 or over

Need more coverage to protect your entire trip? You can use the Emergency Medical Top-Up Plan. Learn more about the Top-Up Plan.

Hearing aids

$500 every four plan years

$1,000 every four plan years

Hospital

Room and board charges between standard ward and semi-private rate

Room and board charges between standard ward and semi-private rate plus up to $100 per day for private room accommodation

Convalescent hospital

Room and board charges if admitted within 24 hours following a period as an in-patient in a hospital (180 day maximum)

Rehabilitative facility

Room and board charges between standard ward and semi-private or private rate up to $200 per day to a maximum of $14,000 per lifetime

Medical equipment

Wheelchairs: $5,000 lifetime maximum, and expenses are limited to the use of a manual wheelchair except if the insured’s medical condition warrants the use of an electric wheelchair
Hospital beds: $5,000 lifetime maximum
$5,000 maximum per plan year for purchase of braces, crutches, canes, and walkers as a result of illness or injury

Wheelchairs: $5,000 every five plan years, and expenses are limited to the use of a manual wheelchair except if the insured’s medical condition warrants the use of an electric wheelchair
Hospital beds: no lifetime maximum
$5,000 maximum per plan year for purchase of braces, crutches, canes, and walkers as a result of illness or injury

Paramedical services

$350 per plan year per practitioner type, per insured person.

Physician’s order not required for:
- Licensed chiropractor
- Osteopath (Osteopathic treatments including one x-ray examination per plan year, provided by a Doctor of Osteopathic Medicine (DO). In addition, services from a practitioner who hold a Diploma of Osteopathic Manual Practice (DO(MP))
- Acupuncturist
- Podiatrist
- Licensed naturopath
- Chiropodist
- Speech therapist
- Kinesiologist
- Registered massage therapist
- Physiotherapist ($1,000 per plan year per insured person)
$10,000 maximum for mental health services provided by an approved provider, either in person or online

$500 per plan year per practitioner, per insured person.

Physician’s order not required for:
- Licensed chiropractor
- Osteopath (Osteopathic treatments including one x-ray examination per plan year, provided by a Doctor of Osteopathic Medicine (DO). In addition, services from a practitioner who hold a Diploma of Osteopathic Manual Practice (DO(MP))
- Acupuncturist
- Podiatrist
- Licensed naturopath
- Chiropodist
- Speech therapist
- Kinesiologist
- Audiologist
- Occupational therapist
- Dietitian
- Registered massage therapist
- Physiotherapist ($1,000 per plan year per insured person)
$10,000 maximum for mental health services provided by an approved provider, either in person or online

Pharmacogenomic testing

One test per lifetime to a maximum of $500 when prescribed by a medical doctor for a medical diagnosis that is supported by pharmacogenomics testing. The test must be performed by an accredited laboratory

Pregnancy and family support benefits

Lactation Consultant up to $125 per hour, 2 hour maximum per pregnancy
Birth Coach/Doula up to $1,000 maximum per pregnancy

Prescription drugs

Generic drugs (or brand name drugs when no generic equivalent is available) listed in federal or provincial drug schedules that have a Drug Identification Number (DIN) and require a prescription
$1,000,000 lifetime maximum per insured. Once lifetime maximum is reached, annual $25,000 maximum reinstated
Injectable drugs, vitamins and allergy serums
Vaccines, whether or not they require a prescription
Fertility drugs up to $7,000 lifetime maximum
Diabetic supplies

Prescription drugs (dispensing fee)

Eligible expenses for the dispensing fee are limited to 50 per cent of up to $10 for each prescription or refill. The reimbursement level is increased to 90 per cent once the out-of-pocket maximum for prescription drug expenses has been reached

Eligible expenses for the dispensing fee are limited to 90 per cent of up to $11 for each prescription or refill

Private duty nursing

Licensed, certified or registered nurse or nursing assistant who is not a relative of the patient or a resident in the insured’s home
A pre-authorized form, signed by a physician or nurse practitioner, is required
$25,000 every three consecutive plan years, if age 65 or under
$5,000 per plan year if over age 65

Medical services

Laboratory tests, ultrasounds and other medical imaging services, blood oxygen, colostomy and ileostomy supplies, artificial limbs and eyes, radiotherapy, diabetic supplies and cosmetic surgery necessary to repair disfigurement due to an accident sustained while insured, up to $5,000 per plan year (some restrictions apply)
Breast prosthesis, $500 maximum per two plan years, per insured person
Mastectomy brassieres, two per plan year, per insured person
Surgical stockings, two pairs per plan year, per insured person
Amputation socks, five pairs per plan year, per insured person
Wigs following chemotherapy, $500 lifetime maximum, per insured person
Continuous glucose monitors
Insulin pumps
Colostomy supplies
Orthopedic shoes and orthopedic modifications, and orthotics, maximum $400 per insured person in two plan years
Requires a doctor’s prescription

Laboratory tests, ultrasounds and other medical imaging services, blood oxygen, colostomy and ileostomy supplies, artificial limbs and eyes, radiotherapy, diabetic supplies and cosmetic surgery necessary to repair disfigurement due to an accident sustained while insured, up to $5,000 per plan year (some restrictions apply)
Breast prosthesis, $500 maximum per two plan years, per insured person
Mastectomy brassieres, two per plan year, per insured person
Surgical stockings, two pairs per plan year, per insured person
Amputation socks, five pairs per plan year, per insured person
Wigs following chemotherapy, $500 lifetime maximum, per insured person
Continuous glucose monitors
Insulin pumps
Colostomy supplies
Orthopedic shoes and orthopedic modifications, and orthotics, plus custom-made orthotic inserts for shoes or custom-made orthopedic shoes or modification to orthopedic shoes, up to a combined maximum of $300 per insured person per plan year
Requires a doctor’s prescription
Contact lenses or intraocular lenses following cataract surgery, limited to a lifetime maximum of one lens per eye

Vision care

Not included

For any insured person, in two plan years, this can include:

$50 maximum per insured person every two plan years for ophthalmologist or licensed optometrist services
$300 per insured person under age 18 in a 12-month period or for any other covered person in any 24-month period. This can include:
- Contact lenses, eyeglasses or laser eye correction surgery (laser eye correction surgery must be performed by an ophthalmologist)
- Requires prescription by an ophthalmologist or licensed optometrist
- Prescription sunglasses, magnifying glasses or safety glasses for the correction of vision
- For coverage following cataract surgery, refer to medical services above

Your coverage information is always close at hand

Coverage information at your fingertips by logging into your Manulife SecureServe to view your coverage, submit claims and make changes.

For details on changing between Health and Health Plus, see your benefits booklet or contact one of our OMA Insurance service representatives, who will be happy to help you.

This plan is underwritten by The Manufacturers Life Insurance Company (Manulife)
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