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 Plus
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
Elite
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
Here’s how the different plans compare in some of the most popular benefits areas:
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.
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 |
Aubrey’s story
“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.
Accidental death, dismemberment or specific loss
Added financial security if you’re injured or killed in an accident.
Travel medical insurance
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.
Hospital accommodation
Helps covers the cost when you upgrade from a standard to a private or semi-private room.
Hospital cash
Helps with expenses if you need to stay in the hospital for an extended time.
Major dental coverage (Core and Core Plus only)
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.
