Health & Dental Plans

• This information pertains primarily to BC, please check your provincial coverage

Health plans

Designed to cover costs not paid by BC medical services. The following is a condensed list of some of the expenses that may be reimbursed by a group health plan:

Prescription Drugs
Diabetic Supplies
Eyeglasses & Contact Lenses
Foot Orthotics
Acupuncturists
Wheelchairs
Ambulance Service
Oral Contraceptives
Hair Pieces
Hearing Aids
Chiropractors
Massage Therapists
Out-of-Country Emergency Medical Insurance
Naturopaths
Physiotherapists
Psychologists/Social Workers
Podiatrists
Dieticians
Speech Therapists

• Most insurers will reimburse up to provincial fee guides only

Dental plans

Reimburse employees for dental expenses based on the coverage plan chosen by the employer.

There are three levels of dental coverage:

Basic Preventative
The foundation on which the other levels are built.This first level covers the most frequently used treatment: examinations, x-rays, cleaning, scaling, fluoride treatment, fillings, extractions, denture repairs, etc., and may also include periodontal gum treatment and root canal therapy. Up to 100% of this treatment may be paid by the insurer.

Major Dental
Covers treatment such as crowns, bridges, dentures, etc. Although important to the individual, major dental is considered more cosmetic by the insurance company and coverage may only be 50% to 70% of treatment costs. Generally, a significant portion of the treatment costs will be borne by the individual.

Orthodontics
Usually the most expensive treatments performed to correct the teeth or bones in the jaw that are misaligned or have not developed properly. Usually there is a lifetime limit on how much can be claimed (i.e. $2,500 - $3,500) and claims are restricted to dependents under age 19. There are exceptions, a few rare plans will not have a lifetime limit and may even cover this treatment for adults.