Freedom to Choose™ health and dental insurance Guaranteed elite

Here’s what Guaranteed elite covers in the most popular coverage categories.

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  Dental

  We’ll pay 85 percent of the cost of routine services – cleanings, fillings, oral surgeries – up to a maximum of $2000 per person per calendar year. If you need a major dental service like a crown, we’ll cover 50 percent of that, up to $1000.

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  Prescription drugs

  We’ll cover 90 percent of up to $2400 per person per calendar year. If you are a Quebec resident, Freedom to Choose provides supplemental coverage to the prescription drug coverage provided under the Régie de l’assurance maladie du Québec (RAMQ) basic prescription drug insurance plan. Freedom to Choose doesn’t remove your obligation to have drug coverage through the RAMQ drug public plan, through your employer or an association you are a member of or through the employer of your spouse.

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  Paramedical services

  You’ve got $400 per practitioner per calendar year to spend on services like a naturopath, physiotherapy, chiropractor, massage therapist, psychologist or speech therapist.

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  Vision

  Keep those eyes sharp with up to $275 to spend every 2 years on lenses, frames or laser surgery, plus 90 percent coverage for an eye exam every 2 years as well.

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  Private hospital room

  We’ll cover the difference in price between private accommodation and a standard ward, to a maximum of $250 per day and 90 days per calendar year.