PlanDirect™ health and dental insurance FAQ

Some services and products are included in provincial and territorial plans but many things aren’t covered, like dental care and some prescription drugs. PlanDirect helps cover these and many other common medical costs.

If you live in Quebec and you don’t have prescription drug coverage through a group insurance plan with your employer, an association you are a member of, or your spouse’s group insurance plan, you are required to have prescription drug coverage through the RAMQ basic prescription drug insurance plan. If you are a Quebec resident, PlanDirect provides supplemental coverage to the prescription drug coverage provided under the Régie de l’assurance maladie du Québec (RAMQ) basic prescription drug insurance plan. PlanDirect 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.

Compared to a group plan with an employer, it’s actually a lower average premium. However, in a group plan the employer often pays a significant amount of the cost.

Absolutely not. You can cancel your coverage any time. If it’s within 10 days of getting your policy, you get the premium you’ve paid back, no questions asked. In the insurance industry, this is known as a 10-day free look. If you cancel after this time, you will only be charged to the end of the current month. For example, if you submit your cancellation on January 15, your policy will be terminated on January 31, and you will not be charged after that.

Yes to both. Children are covered up to age 21, or 25 if they’re full-time students, and working less than 30 hours a week.

Yes. If your disabled dependant is over 21 or 25, they can be added as a dependant to your policy. There are certain parameters they must meet. You can find this information in the policy booklet (available on each plan's detailed information page) or call us at 1-833-750-27881 8 3 3 7 5 0 2 7 8 8.

The primary applicant must be at least 18.

PlanDirect offers different types of coverage for prescription drugs. Take our plan finder quiz to explore your options or explore our plans.

No, there is no physical or other medical exam required to qualify for PlanDirect.

You’re generally covered by your provincial healthcare plan when you travel in Canada. For travel outside of Canada, our plans offer optional coverage you can buy.

PlanDirect may start on the first day of the month after we receive your application and approved you for coverage. For example, if we get your application in March, your coverage can start as early as April 1.

No, our plans don’t cover those medications.

Yes, all plans cover this.

Premiums are due on the 15th of each month.

Yes, you can also pay semi-annually or annually.

It’s easy. For prescriptions, just show your drug card and the pharmacist deducts what’s covered. If you don’t have a drug card you can make a claim online through your online account or mail us the claim form. Most dental claims (and many paramedical services, like massage therapy or physiotherapy) are processed on the spot.

No. Just include the receipt when you make a claim.

Yes – provided you signed up for direct deposit. To set up direct deposit, go to your online account.

The Canada Life Assurance Company
Individual Health Unit
P.O. Box 6000
Winnipeg, MB  R3C 3A5

You can also submit them electronically using your online account.

You can either mail the forms and receipts to us or submit them electronically through your online account.

To get reimbursed, you need to submit claims within 15 months of the service date.