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.
Same great coverage as our Core plan, but your reimbursement rate and maximums are higher.
- 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
If you’re looking for even more coverage than Core Plus, this is the plan for you.
- 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
This plan could be a great fit for:
A freelancer, gig worker or contractor who doesn’t have coverage through their job
A person who takes prescriptions that aren’t that expensive
A retiree who’s leaving a group plan and doesn’t have any pre-existing conditions
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 |
|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
“Aubrey* just started their dream job at a tech start up, but it’s missing one thing: workplace benefits. Aubrey is young, mid-20s and proactive about their physical and mental wellness and wants to be able to keep up with routine things like going to the dentist, contact lenses and therapy, and get help with any other future costs their provincial healthcare doesn’t cover.
That’s why Aubrey chose Core, our base PlanDirect plan. It offers 70% reimbursement for their prescription drugs, $300 each calendar year for paramedical services like psychologists, with a per visit maximum of $30. It also includes 70% reimbursement for regular dental services like cleanings, up to $350 each calendar year.”
*Aubrey is a fictitious character whose story was developed to show the real life advantages of choosing PlanDirect for your health and dental coverage.
You can also add extra coverage if you need it.
Added financial security if you’re injured or killed in an accident.
If you get sick or hurt while you’re outside Canada, this can cover medical expenses arising from sudden and unexpected situations, like an accident or emergency.
Helps covers the cost when you upgrade from a standard to a private or semi-private room.
Helps with expenses if you need to stay in the hospital for an extended time.
Bridges, crowns, dentures – this extra coverage helps with non-routine dental expenses. Major dental is included in the Elite plan so adding it as extra coverage isn’t necessary.
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.