Drug plan
Protection médicale
Since you
and your dependents
do not require any prescription
drugs, you may wish to consider a drug plan option that provides less coverage
at a lower cost. This will allow you to apply your benefit dollars towards other
coverage in the program or allocate any extra benefit dollars to your Health
Spending Account and/or Wellbeing
Account.
The Security option is designed
for those with minimal health needs or who have sufficient coverage elsewhere.
Coverage under this option begins after an annual deductible is met and is
limited to certain
expenses.
The Basic option could also be
considered. While it has a higher price tag than Security, it does not have the
annual deductible, so reimbursement starts right from the first claim at 70% for
Tier 1 drugs and 40% for Tier 2 drugs.
It’s important to
consider your current and anticipated future needs, as well as any coverage
available through a spouse’s plan or other sources, before making your
selection.
Vous semblez en assez bonne santé. Pour la couverture des
autres frais médicaux, vous pourriez vouloir choisir la couverture fournie par
l’entreprise ou le régime de base lorsque vous adhérerez au régime.
Since you and your dependents have moderate drug needs, you may want
to consider drug plan options that balance coverage and cost.
The
Basic and Comprehensive options provide
coverage for prescription drugs at different reimbursement levels. The Basic
option reimburses at 70% for Tier 1 drugs and 40% for Tier 2 drugs, while the
Comprehensive option reimburses at 80% for Tier 1 drugs and 50% for Tier 2
drugs. Although the Comprehensive option has a higher price tag than Basic, it
has a lower annual out-of-pocket (OOP) maximum. This is the amount you must pay
each plan year before eligible expenses are reimbursed at 100% for the remainder
of the year, subject to plan limits. The OOP maximum applies to both drug (where
applicable) and medical costs and is based on your drug
selection.
When choosing your drug coverage, consider the frequency,
type and costs of prescriptions you require, as well as any provincial coverage
you may have. Understanding which tier your medications fall under through the
drug look-up tool on the Sun Life mobile app or mysunlife.ca can help you make
an informed decision.
Since you or your dependents
fill multiple prescriptions
throughout the year, you may wish to consider options that offer higher
reimbursement levels.
The Comprehensive and
Premium options provide coverage for prescription drugs at
different reimbursement levels. The Comprehensive option reimburses at 80% for
Tier 1 drugs and 50% for Tier 2 drugs, while the Premium option reimburses at
95% for Tier 1 drugs and 65% for Tier 2 drugs. Although the Premium option has a
higher price tag than Comprehensive, it has a lower annual out-of-pocket (OOP)
maximum. This is the amount you must pay each plan year before eligible expenses
are reimbursed at 100% for the remainder of the year, subject to plan limits.
The OOP maximum applies to both drug (where applicable) and medical costs and is
based on your drug selection.
When choosing your drug coverage,
consider the frequency, type and costs of prescriptions you require, as well as
any provincial coverage you may have. Understanding which tier your medications
fall under through the drug look-up tool on the Sun Life mobile app or
mysunlife.ca can help you make an informed decision.
Examinez les options « Régime amélioré » et « Régime
supérieur » pour déterminer si elles conviennent à vos besoins. La différence
entre les deux options est que l’option « Régime amélioré » couvre également les
hospitalisations dans une chambre à deux lits et les soins de la vue en plus de
prévoir des maximums annuels plus élevés pour les soins paramédicaux.
Further, if the medications you
or your dependents
usually take are low cost, you may find that they are covered
under Tier 1, which includes most commonly prescribed drugs considered
cost-effective and safe first line treatments. Tier 1 drugs are reimbursed at
70% under the Basic option and 80% under the
Comprehensive option.
You may also consider the
Security option which is designed for those with minimal health
needs or who have sufficient coverage elsewhere. Coverage under this option
begins after an annual deductible is met and is limited to certain expenses.
Choosing this option will allow you to apply your benefit dollars towards other
coverage in the program.
The plan has an out-of-pocket (OOP) maximum
that provides additional protection and varies by option. The OOP maximum is the
amount you must pay each plan year before eligible expenses are reimbursed at
100%, subject to plan limits, for the remainder of the year. The OOP maximum
applies to both drug (where applicable) and medical costs and is based on your
drug selection.
Examinez les options « Régime amélioré » et « Régime
supérieur » pour déterminer si elles conviennent à vos besoins. La différence
entre les deux options est que l’option « Régime amélioré » couvre également les
hospitalisations dans une chambre à deux lits et les soins de la vue en plus de
prévoir des maximums annuels plus élevés pour les soins paramédicaux.
Further, if the medications you
or your dependents
usually take are moderately priced, it’s important to consider
both the reimbursement level and the tier under which the drugs are
covered.
Some drugs may be covered on Tier 1, which includes many
commonly prescribed drugs that are considered cost-effective and safe first line
treatments, as well as drugs approved through Sun Life’s Prior
Authorization process (approval for coverage before reimbursement will be made
under the plan). Tier 2 drugs include eligible drugs that are not included in
Tier 1.
The Comprehensive option reimburses at 80%
for Tier 1 drugs and 50% for Tier 2 drugs, and the Premium
option reimburses at 95% for Tier 1 drugs and 65% for Tier 2 drugs.
The plan’s OOP maximum provides
additional protection and varies by option. It is the amount you must pay
each plan year before eligible expenses are reimbursed at 100%, subject to plan
limits, for the remainder of the year. The OOP maximum applies to both drug
(where applicable) and medical costs and is based on your drug selection.
Examinez les options « Régime amélioré » et « Régime
supérieur » pour déterminer si elles conviennent à vos besoins. La différence
entre les deux options est que l’option « Régime amélioré » couvre également les
hospitalisations dans une chambre à deux lits et les soins de la vue en plus de
prévoir des maximums annuels plus élevés pour les soins paramédicaux.
Further, if you or your dependents
require specialized or high-cost
medications for complex conditions, it’s important to understand how the
plan manages reimbursement for these drugs.
High-cost drugs that
require Sun Life’s Prior Authorization process (approval required before
reimbursement will be made under the plan) are covered under Tier 1 at the
higher reimbursement level. Many other high-cost drugs fall under Tier 2, which
are reimbursed at lower reimbursement level. Some high-cost drugs may also be
subject to reference drug pricing, where reimbursement is limited to the cost of
the reference drug and you may be responsible for a significant portion of the
cost. For more details on Prior Authorization and Reference Drug Pricing, refer
to Benefits and You.
The Premium option provides the
highest reimbursement rates, 95% of Tier 1 drugs and 65% of Tier 2 drugs and may
help reduce your out-of-pocket (OOP) expenses. The plan’s OOP maximum
provides additional protection and varies by option. It is the amount you must
pay each plan year before eligible expenses are reimbursed at 100%, subject to
plan limits, for the remainder of the year. The OOP maximum applies to both drug
(where applicable) and medical costs and is based on your drug
selection.
The plan also includes an annual reimbursement maximum of
$100,000, so it’s advisable to review your medication needs with your
pharmacist and doctor to explore lower-cost alternatives or other coverage
options and complete any necessary authorization forms.
Examinez les options « Régime amélioré » et « Régime
supérieur » pour déterminer si elles conviennent à vos besoins. La différence
entre les deux options est que l’option « Régime amélioré » couvre également les
hospitalisations dans une chambre à deux lits et les soins de la vue en plus de
prévoir des maximums annuels plus élevés pour les soins paramédicaux.
Medical plan
Protection médicale
Overall expenses
Médicaments d’ordonnance
Since you expect few or no medical expenses for you
or your dependents
in the coming year, you may wish to consider a medical plan option
that provides less coverage at a lower cost.
The
Security option offers coverage for mental health services and
emergency travel medical. It does not include coverage for medical
expenses.
The Basic option offers a wider range of
basic services at an affordable rate with a reimbursement level of 70% up to the
maximums for paramedical services, vision care, semi-private hospital
accommodation, and medical supplies. It also includes 100% coverage for mental
health services and emergency travel medical. These options are designed for
those who anticipate minimal use of medical services beyond what is covered by
provincial health plans.
Comme vous ne prenez pas de médicaments sur ordonnance,
déterminez si vous avez besoin d’une couverture. Si vous y renoncez, vous
pourrez affecter vos flexidollars à d’autres protections.
Since you
or your dependents
anticipate moderate medical expenses, the
Comprehensive option may be a good fit. This option provides a
reimbursement level of 80% up to the maximums for paramedical services, vision
care, semi-private hospital accommodation, and medical supplies, helping to
reduce your out-of-pocket (OOP) costs for these types of claims. It also
includes 100% coverage for mental health services and emergency travel
medical.
The plan’s annual out-of-pocket (OOP) maximum provides
additional protection. The OOP maximum is the amount you must pay each plan year
before eligible expenses are reimbursed at 100%, subject to plan limits, for the
remainder of the year. The OOP maximum applies to both drugs (where applicable)
and medical costs and is based on your drug selection.
Vous semblez avoir certains besoins précis en ce qui concerne
les médicaments sur ordonnance. Avant de faire votre choix, veillez à bien vous
informer au sujet des options « Régime amélioré » et « Régime supérieur » et au
sujet des dépenses que vous devrez assumer de votre poche afin de prendre la
bonne décision. Pour en savoir plus, consultez le site VraiChoix.
Since you
or your dependents
expect high medical expenses, the Premium option offers the
highest level of coverage.
This option provides a reimbursement level
of 95% and the highest annual maximums for paramedical services, vision care,
private hospital accommodation, and medical supplies. It also includes 100%
coverage for mental health services and emergency travel
medical.
Choosing the Premium option can help minimize your
out-of-pocket (OOP) costs for ongoing and expensive medical needs throughout the
year. The plan also includes an OOP maximum, which is the amount you must pay
each plan year before eligible expenses are reimbursed at 100%, subject to plan
limits, for the remainder of the year. The OOP maximum applies to both drugs
(where applicable) and medical costs and is based on your drug selection.
Vous semblez avoir certains besoins précis en ce qui concerne
les médicaments sur ordonnance. Avant de faire votre choix, veillez à bien vous
informer au sujet des options « Régime amélioré » et « Régime supérieur » et au
sujet des dépenses que vous devrez assumer de votre poche afin de prendre la
bonne décision. Pour en savoir plus, consultez le site VraiChoix.
Vision care
Services paramédicaux
Since you or your dependents
only need occasional vision care,
the Basic option provides coverage for one eye exam every 24
months (or every 12 months for dependents under 18) combined with an allowance
for prescription eyewear of $225. This may be sufficient if your vision care
needs are minimal and you do not anticipate purchasing glasses or contact lenses
regularly.
Comme vous avez peu de besoin en matière de soins paramédicaux
ou pas du tout, l'option « Régime de base » pourrait vous convenir. Elle couvre
80 % des coûts par praticien, jusqu'à concurrence de 750 $ combinés par année.
Avec cette option, il vous restera des flexidollars.
Since you expect to need both eye exams and prescription glasses
or contact lenses, for you or your dependents,
the Comprehensive option offers higher
coverage amounts for vision care.
This includes coverage for one eye
exam every 24 months (or every 12 months for dependents under 18) combined with
a moderate allowance of $400 for prescription eyewear every 24 months, helping
to reduce your out-of-pocket (OOP) costs for routine vision needs. This option
is suitable for those who anticipate moderate vision care expenses.
Comme vous avez certains besoins, vous pourriez envisager
l'option « Régime amélioré ». Cette option couvre 80 % par praticien, pour un
maximum combiné de 1 000 $ par année pour les praticiens en soins paramédicaux.
Il est toujours judicieux d’examiner les options pour vous assurer que vous
disposez de la couverture dont vous avez besoin.
Since you or your dependents
require frequent vision care, such
as regular changes of prescription glasses or contact lenses, or higher-cost
items like laser eye surgery or specialized eyewear, the
Premium option provides the highest level of
coverage.
This includes coverage for one eye exam every 24 months (or
every 12 months for dependents under 18) combined with the largest reimbursement
amount of $500 for vision care. This option can help minimize expenses for your
ongoing or specialized vision care needs.
Il semble que la couverture des soins paramédicaux soit une
priorité. L'option « Régime supérieur » pourrait être le bon choix pour vous
parce qu'elle couvre 90 % des frais, par praticien, pour un total combiné de
1250 $ par année pour les praticiens paramédicaux et de la santé physique.
Mental health
Protection dentaire
CIBC is proud to offer the same generous coverage for mental
health, across all five medical plan options. So no matter which option you
choose, you
and your eligible dependents
have access to a range of
practitioners, such as psychologists, social workers (MSWs), psychotherapists,
marriage and family therapists and counsellors, with 100% reimbursement up to
the annual maximum and subject to reasonable and customary rates.
À considérer : si vous prenez l’argent que vous devriez
autrement consacrer au régime de soins dentaires et que vous le conservez ou
l’affectez à votre CCS, cette somme vous permettrait-elle de couvrir les frais
dentaires que vous prévoyez? Si la réponse est oui, envisagez de renoncer à la
couverture dentaire. Si les coûts dépassent votre budget, vous pourriez choisir
la couverture de base.
CIBC is proud to offer the same generous coverage for mental
health, across all five medical plan options. So no matter which option you
choose, you
and your eligible dependents
have access to a range of
practitioners, such as psychologists, social workers (MSWs), psychotherapists,
marriage and family therapists and counsellors, with 100% reimbursement up to
the annual maximum and subject to reasonable and customary rates.
Vous semblez avoir certains besoins en soins dentaires cette
année. Vous pourriez envisager de choisir la couverture de base. Il est toujours
judicieux d’examiner les options pour vous assurer que vous disposez de la
couverture dont vous avez besoin.
CIBC is proud to offer the same generous coverage for mental
health, across all five medical plan options. So no matter which option you
choose, you
and your eligible dependents
have access to a range of
practitioners, such as psychologists, social workers (MSWs), psychotherapists,
marriage and family therapists and counsellors, with 100% reimbursement up to
the annual maximum and subject to reasonable and customary rates.
Comme vos besoins en soins dentaires sont assez élevés, vous
devriez examiner les options « Régime amélioré » et « Régime supérieur ». Elles
offrent une meilleure couverture pour les soins orthodontiques et leur maximum
est plus élevé. Veuillez noter que si vous choisissez l'option 4 « Régime
supérieur », vous devrez la conserver deux ans. Pour toutes les autres options,
la période de participation est d’un an.
Paramedical
Protection financière
Since you or your dependents
do not require care from paramedical
practitioners, a plan option with lower coverage may be
sufficient.
The Security option offers coverage for
mental health services and emergency travel medical. It does not include
coverage for paramedical services.
The Basic option
provides coverage for a wide range of medical services but offers a
reimbursement level of 70% and a low annual maximum per covered person for
paramedical services such as physiotherapy, chiropractic care and massage
therapy. This option is designed for those who anticipate minimal or no use of
paramedical services.
Comme vous êtes le principal soutien de votre famille,
déterminez si vous avez besoin d'assurance complémentaire pour protéger les
personnes à votre charge s’il vous arrivait quelque chose.
Since you or your dependents
expect occasional care from
paramedical practitioners, such as physiotherapists, chiropractors, or massage
therapists, you may want to consider the Basic or
Comprehensive option.
Both of these options offer
higher reimbursement levels and annual maximums for these types of
expenses.
The Basic option provides coverage
at 70% with an annual maximum of $500 per covered person, combined for all
paramedical services.
The Comprehensive option
offers a higher level of coverage with 80% reimbursement and a combined annual
maximum of $1,250 per covered person. Although the Comprehensive option has a
higher price tag, it also has a higher annual maximum per covered person. It
helps reduce your out-of-pocket (OOP) costs for periodic visits and provides
flexibility to access care when needed.
Vous semblez disposer d’économies qui vous permettraient de
vous en sortir pendant quelques mois s’il vous arrivait quelque chose. Vous avez
une couverture de base au titre des avantages sociaux essentiels : assurance
accident pour voyage d’affaires, assurance vie, assurance invalidité de courte
durée et assurance invalidité de longue durée. Si vous voulez augmenter votre
couverture, vous pouvez profiter de différents types de couvertures facultatives
: assurance vie, assurance accident, assurance maladies graves et assurance
invalidité de longue durée.
Since you or your dependents
require frequent or ongoing care
from paramedical practitioners, the Premium option provides the
highest reimbursement level of 95% and the highest annual maximum of $1,750 per
covered person. This option is designed to support those with significant or
ongoing needs for paramedical care, helping to minimize your expenses throughout
the year.
Prenez vos finances en main grâce aux services de
planification financière gratuits de BienPlanifier. Une équipe de
conseillers autorisés de Manuvie sans commission est là pour vous aider à
atteindre vos objectifs financiers. Visitez la page de BienPlanifier et apprenez-en
plus sur les produits de Manuvie et les taux applicables aux employés.
Medical services and supplies
Protection financière
Since you or your dependents
do not regularly require medical
services and supplies, you may find that a plan option with lower coverage is
sufficient.
The Security option offers coverage for
mental health services and emergency travel medical. It does not include
coverage for medical services and supplies.
The
Basic option provides coverage for a wide range of medical
services and supplies, such as laboratory tests and hearing aids, but with a
reimbursement level of 70% and a low annual maximum per covered person. This
option is designed for those who anticipate minimal use of medical services and
supplies beyond what is covered by provincial health plans.
Comme vous êtes le principal soutien de votre famille,
déterminez si vous avez besoin d'assurance complémentaire pour protéger les
personnes à votre charge s’il vous arrivait quelque chose.
Since you or your dependents
regularly require medical services
and supplies, the Comprehensive or Premium
options offer higher reimbursement levels and annual maximums per covered person
for these types of expenses.
The Comprehensive
option covers 80% of medical services and supplies and the
Premium option covers 95%.
These options are
designed to help minimize your out-of-pocket (OOP) costs for ongoing medical
needs, providing broader coverage for a wide range of eligible services and
supplies throughout the year.
Vous semblez disposer d’économies qui vous permettraient de
vous en sortir pendant quelques mois s’il vous arrivait quelque chose. Vous avez
une couverture de base au titre des avantages sociaux essentiels : assurance
accident pour voyage d’affaires, assurance vie, assurance invalidité de courte
durée et assurance invalidité de longue durée. Si vous voulez augmenter votre
couverture, vous pouvez profiter de différents types de couvertures facultatives
: assurance vie, assurance accident, assurance maladies graves et assurance
invalidité de longue durée.
Family planning
Protection financière
Since you do not anticipate a need for family planning benefits, you
may wish to focus on medical plan options that best suit your other health needs
such as paramedical services or vision care.
Comme vous êtes le principal soutien de votre famille, déterminez
si vous avez besoin d'assurance complémentaire pour protéger les personnes à votre
charge s’il vous arrivait quelque chose.
Since you anticipate a need for benefits that support family
planning, all options except the Security option offer coverage for
these services, but with varying reimbursement levels.
These options
include reimbursement for eligible fertility drugs (at the Tier 2 level),
fertility-related tests and treatments, adoption expenses, and surrogacy-related
benefits, each with generous lifetime maximums.
Choosing a higher
coverage option can help minimize your out-of-pocket (OOP) costs and ensure you have
access to the support you need for family planning.
Vous semblez disposer d’économies qui vous permettraient de vous
en sortir pendant quelques mois s’il vous arrivait quelque chose. Vous avez une
couverture de base au titre des avantages sociaux essentiels : assurance accident
pour voyage d’affaires, assurance vie, assurance invalidité de courte durée et
assurance invalidité de longue durée. Si vous voulez augmenter votre couverture,
vous pouvez profiter de différents types de couvertures facultatives : assurance
vie, assurance accident, assurance maladies graves et assurance invalidité de longue
durée.
Diagnostic, preventive and basic
restorative care
Protection financière
Since you or your dependents
expect a low level of dental care needs
(i.e. annual check-ups, cleanings, or minor treatments), the Basic
dental option may be sufficient.
This option provides reimbursement for
diagnostic, preventive, and basic restorative treatments at 80%, with a lower
combined annual maximum of $1,200 per person for all eligible dental treatments. It
is designed for those who anticipate few dental claims and do not expect major
dental work.
You can also consider opting out of the
dental plan and use your benefit dollars elsewhere in the plan.
Comme vous êtes le principal soutien de votre famille, déterminez
si vous avez besoin d'assurance complémentaire pour protéger les personnes à votre
charge s’il vous arrivait quelque chose.
Since you or your dependents anticipate a
moderate level of dental care needs, including regular exams,
cleanings, fillings, and possibly some periodontic or endodontic treatments,
the Comprehensive dental
option may be a good fit.
It provides 90% reimbursement for diagnostic,
preventive, and basic restorative treatments and 80% for periodontic and endodontic
treatments, with a higher combined annual maximum of $1,500 per person for all
eligible dental treatments.
This option is well-suited for those who
expect routine dental care and occasionally more involved procedures.
Comme vous êtes le principal soutien de votre famille, déterminez
si vous avez besoin d'assurance complémentaire pour protéger les personnes à votre
charge s’il vous arrivait quelque chose.
Since you or your dependents
expect a high level of dental care needs
(i.e. frequent visits, extensive restorative work, or orthodontic treatment), the
Premium dental option provides the highest level of coverage and
annual maximum.
It offers 95% reimbursement for diagnostic, preventive,
and basic restorative treatments and 90% for periodontic and endodontic treatments,
with the highest combined overall annual maximum of $3,000 per person for all
eligible dental treatments.
This option is ideal for those who anticipate
significant dental expenses throughout the year.
Vous semblez disposer d’économies qui vous permettraient de vous
en sortir pendant quelques mois s’il vous arrivait quelque chose. Vous avez une
couverture de base au titre des avantages sociaux essentiels : assurance accident
pour voyage d’affaires, assurance vie, assurance invalidité de courte durée et
assurance invalidité de longue durée. Si vous voulez augmenter votre couverture,
vous pouvez profiter de différents types de couvertures facultatives : assurance
vie, assurance accident, assurance maladies graves et assurance invalidité de longue
durée.
Endodontics and periodontics
Protection financière
Since you or your dependents
expect a low level of endodontic and
periodontic care, the Basic dental option may be
sufficient.
This option provides reimbursement for these services at 70%,
with a combined annual maximum of $1,200 per person for all eligible dental
treatments. It is designed for those who anticipate minimal claims in these
categories.
The annual maximum is combined with diagnostic, preventive,
basic restorative, endodontic, periodontic and major restorative services.
Comme vous êtes le principal soutien de votre famille, déterminez
si vous avez besoin d'assurance complémentaire pour protéger les personnes à votre
charge s’il vous arrivait quelque chose.
Since you or your dependents
anticipate a moderate level of endodontic and periodontic care,
the Comprehensive dental option may be a good
fit.
It provides 80% reimbursement for these services, with a combined
annual maximum of $1,500 per person for all eligible dental treatments. This option
is well-suited for those who expect regular but not extensive dental care in these
areas.
The annual maximum is combined with diagnostic, preventive, basic
restorative, endodontic, periodontic and major restorative services.
Vous semblez disposer d’économies qui vous permettraient de vous
en sortir pendant quelques mois s’il vous arrivait quelque chose. Vous avez une
couverture de base au titre des avantages sociaux essentiels : assurance accident
pour voyage d’affaires, assurance vie, assurance invalidité de courte durée et
assurance invalidité de longue durée. Si vous voulez augmenter votre couverture,
vous pouvez profiter de différents types de couvertures facultatives : assurance
vie, assurance accident, assurance maladies graves et assurance invalidité de longue
durée.
Since you or your dependents
expect a high level of endodontic and
periodontic care, the Premium dental option provides the highest
level of coverage.
It offers 90% reimbursement for these services, with a
combined annual maximum of $3,000 per person for all eligible dental treatments.
This option is ideal for those who anticipate significant dental expenses for
endodontic and periodontic treatments throughout the year.
The annual
maximum is combined with diagnostic, preventive, basic restorative, endodontic,
periodontic and major restorative services.
Vous semblez disposer d’économies qui vous permettraient de vous
en sortir pendant quelques mois s’il vous arrivait quelque chose. Vous avez une
couverture de base au titre des avantages sociaux essentiels : assurance accident
pour voyage d’affaires, assurance vie, assurance invalidité de courte durée et
assurance invalidité de longue durée. Si vous voulez augmenter votre couverture,
vous pouvez profiter de différents types de couvertures facultatives : assurance
vie, assurance accident, assurance maladies graves et assurance invalidité de longue
durée.
Major restorative treatments
Protection financière
Since you or your dependents do
not expect to need major restorative
dental services, the Basic dental option may be
sufficient.
This option does not provide coverage for major restorative
treatments, focusing instead on diagnostic, preventive, and basic restorative care.
It is designed for those who anticipate routine dental needs and do not expect
significant dental work.
Comme vous êtes le principal soutien de votre famille, déterminez
si vous avez besoin d'assurance complémentaire pour protéger les personnes à votre
charge s’il vous arrivait quelque chose.
Since you or your dependents
expect to need major restorative dental
services, the Comprehensive and Premium dental
options provide coverage for these treatments.
The Comprehensive option
covers major restorative services at 50%, while the Premium option covers them at
60% with higher annual maximums. The annual maximums are combined with diagnostic,
preventive, basic restorative, endodontic, periodontic and major restorative
services.
These options are ideal for those who anticipate significant
dental expenses for major restorative work in the coming year.
Vous semblez disposer d’économies qui vous permettraient de vous
en sortir pendant quelques mois s’il vous arrivait quelque chose. Vous avez une
couverture de base au titre des avantages sociaux essentiels : assurance accident
pour voyage d’affaires, assurance vie, assurance invalidité de courte durée et
assurance invalidité de longue durée. Si vous voulez augmenter votre couverture,
vous pouvez profiter de différents types de couvertures facultatives : assurance
vie, assurance accident, assurance maladies graves et assurance invalidité de longue
durée.
Orthodontics
Protection financière
Since you or your dependents do
not expect to need orthodontic
treatment, the Basic dental option may be
sufficient.
This option does not provide coverage for orthodontics,
focusing instead on diagnostic, preventive, and basic restorative care. It is
designed for those who anticipate routine dental needs and do not expect major
services or orthodontic expenses.
Comme vous êtes le principal soutien de votre famille, déterminez
si vous avez besoin d'assurance complémentaire pour protéger les personnes à votre
charge s’il vous arrivait quelque chose.
Since you or your dependents
expect to need orthodontic treatment
soon, the Comprehensive and Premium dental options
provide coverage for these services.
The Comprehensive option covers
orthodontics at 50% with a $1,500 lifetime maximum per person, while the Premium
option covers orthodontics at 60%. Although the Premium option has a higher price
tag, it also has a higher lifetime maximum of $3,000 per person.
These
options are ideal for those who anticipate significant orthodontic expenses in the
coming year.
Vous semblez disposer d’économies qui vous permettraient de vous
en sortir pendant quelques mois s’il vous arrivait quelque chose. Vous avez une
couverture de base au titre des avantages sociaux essentiels : assurance accident
pour voyage d’affaires, assurance vie, assurance invalidité de courte durée et
assurance invalidité de longue durée. Si vous voulez augmenter votre couverture,
vous pouvez profiter de différents types de couvertures facultatives : assurance
vie, assurance accident, assurance maladies graves et assurance invalidité de longue
durée.
