Skip to main content

How Canada Life is supporting you during COVID-19. Learn more

Your web browser is out-of-date. For the best experience, please update to a modern browser like Chrome, Edge, Safari or Mozilla Firefox.

PlanDirect™ Core, Core Plus and Elite plans

Don’t have coverage right now? PlanDirect has you covered.

Health and dental insurance for freelancers, self-employed or anyone not covered by a group plan.

You can choose from three plans.

Core

Meet our base plan, ideal if you’re on a budget.

Apply now
  • 70% prescription coverage up to $500 per person per calendar year
  • 70% routine dental coverage up to $350 per person per calendar year 
  • 100% coverage for one eye exam up to $75 every 2 years

Core Plus

Same great coverage as our Core plan, but your reimbursement rate and maximums are higher.

Apply now
  • 80% prescription coverage up to $10,000 per person per calendar year
  • 80% routine dental coverage up to $750 per person per calendar year 
  • 100% coverage for paramedical practitioners up to $400 per practitioner each calendar year

Elite

If you’re looking for even more coverage than Core Plus, this is the plan for you.

Apply now
  • 90% prescription coverage up to $10,000 per person per calendar year, 100% for next $240,000
  • 80% routine dental coverage up to $1000 per person per calendar year 
  • 100% coverage for paramedical practitioners up to $500 per practitioner per calendar year

Got coverage right now (or lost it within 60 days)?

Our Basic, Comprehensive and Premier plans may be right for you.

Here’s how the different plans compare in some of the most popular benefits areas*:

Core

Core Plus

Elite

Dental – routine services

70% coverage up to $350 per person each calendar year

80% coverage up to $750 per person each calendar year 

Option 1: without dental 

Option 2: with dental, 80% coverage up to $1000 per person each calendar year

Eye glasses, contact lenses and laser eye surgery

100% coverage up to $150 per person every 2 years  
100% coverage up to $200 per person every 2 years 

100% coverage up to $250 per person every 2 years

Paramedical services, including physiotherapy, speech therapy and psychology 100% coverage up to $30 per visit; maximum of $300 per practitioner each calendar year 
100% coverage up to $40 per visit; maximum of $400 per practitioner each calendar year 
100% coverage up to $50 per visit; maximum of $500 per practitioner each calendar year 

Prescription drugs

70% coverage up to $500 per person each calendar year 80% coverage up to $10,000 per person each calendar year

90% coverage on first $10,000 per person each calendar year 

100% for the next $240,000 

$250,000 maximum per person each calendar year 

Learn more Learn more Learn more

*Note: 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.

Here’s what real customers have to say about their Canada Life insurance plans

It works. No hassles. The coverage is always there.

The ability to submit claims via the app so easily is wonderful.

It gives me protection between jobs.

It was very easy to get reimbursed and it was very fast.

You can also add extra coverage if you need it.

Ready to get health and dental coverage?

If you’d like to explore plans and see how much they could cost you, get a quote

Apply now

Related to insurance