Freedom to Choose™ health and dental insurance Guaranteed plus

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

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  Dental

  We’ll pay 80 percent of the cost of routine services – cleanings, fillings, oral surgeries – up to a maximum of $1000 per person per calendar year.

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  Prescription drugs (optional)

  If you opt for a drug card – meaning your pharmacist can process your claim on the spot, and you only pay the amount that’s not covered – we will reimburse 85 percent of the cost, up to $1500 per person per calendar year. If you decide to go paper-based – meaning you pay the upfront cost and submit your claim for reimbursement – we will cover all of the drug’s cost, up to $1500 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 $350 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 $200 to spend every 2 years on lenses, frames or laser surgery, plus $75 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 $225 per day and 90 days per calendar year.