Canadian Benefits BC Forum Extended Plan

STANDARD PLAN: Standard rates apply if: You did not have a previous group policy within the last 90 days or you are a new applicant (pre-existing conditions are not covered).

CONVERSION PLAN: Conversion rates apply if you are converting from a previous group plan within 90 days (pre-existing conditions will be covered, subject to policy limitations, wordings and exclusions).
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* The plan overview is intended for descriptive use only. See policy wordings for coverage’s limitations, and exclusions.

IN-PROVINCE EXPENSES:
80% up to $1,000 per year.
After first $1,000, 100% of eligible expenses, subject to contract maximums*
* The maximum EHB benefit is $35,000 for in-province and out-of-province expenses combined.

HOSPITAL ACCOMMODATION:Semi-private or private ward charges.

PROFESSIONAL SERVICES:
Total combined benefit of $500 per calendar year per person:

• Chiroprator
• Physiotherapist
• Massage Therapist
• Naturopath

PODIATRISTS: $500.00 per calendar year per person.

REGISTERED NURSE (RN): Up to 720 hours per calendar year for an acutely ill patient in hospital in BC. Up to $1,000 per calendar year when the insured person is acutely ill and bedridden at home. The lifetime maximum benefit payable is $5,000 per person.

HEARING AIDS: Up to $500 per 5-year period per person.

PRESCRIPTION DRUGS (NO Pay Direct Card):
80% (or 100% if an out-of-province emergency) of prescription drug costs not paid (but otherwise recognized as eligible) by Pharmacare.

ALSO WHEN PRESCRIBED BY A PHYSICIAN:

• Oxygen masks and regulators
• Blood and blood plasma
• Rigid support braces and permanent prostheses
• Certain types of crutches, splints, casts and trusses
• Essential ostomy and ileostomy supplies

• Wigs or hairpieces up to $500 per lifetime
• Surgical stockings up to $200 per calendar year
• Wheelchairs, beds, iron lung, respirator, cardiac screener.
  Lifetime maximum reimbursement is $5,000.

AMBULANCE SERVICE:
This plan covers ambulance service (including air ambulance) in emergency situations only.

EYE GLASSES/CONTACT LENSES:
after completion of 12 continuous months of membership in this plan: Eyeglasses are covered up to $125 every 24 months.

EMERGENCY OUT OF PROVINCE ELIGIBLE EXPENSES: 100%
While travelling outside your province of residence, benefits are payable for the following eligible expenses incurred IN AN EMERGENCY ONLY and when ordered by the Attending Physician:

• Local ambulance services
• Air ambulance (maximum $1,000)
• The hospital room charge and charges for services and supplies to a maximum of 90 days.

EMERGENCY TRAVEL ASSISTANCE (MEDEX)

• Locating the nearest appropriate medical care.
• Handling medical evacuations and related transportation needs.
• Handling the repatriation to BC of remains.
• Replacing lost passports, locating qualified legal assistance, language interpreters, etc.

EMERGENCY OUT OF PROVINCE ELIGIBLE EXPENSES: 100%
Your $35,000 lifetime EHB coverage will be automatically increased to $500,0000 whenever you leave BC on trips lasting 4 days or less.

HOSPITAL INDEMNITY BENEFIT
If you or your injured dependents are hospitalized, a hospital indemnity benefit of $10 per day will be paid from the 5th to the 90th day of hospitalization provided it is not due to any pre-existing condition.ACCIDENTAL DEATH & DISMEMBERMENT
The maximum benefit payable in the event of death or dismemberment resulting within 365 days of an accident is $25,000. Other benefits are listed in the policy wordings. This coverage terminates at age 70.

FINAL EXPENSE BENEFIT
Reimbursement will be based on actual funeral expenses of up to $5,000 per insured person if death occurs from any cause after 24 months of continuous coverage; otherwise at any time if death occurs as a result of accident.

During the first 12 months of coverage under this dental plan, eligible expenses will be reimbursed at 70% of the PBC fee schedule. Thereafter, the reimbursement percentage will be increased to 80%. Dental coverage will begin 3 months from the date you (and/or your dependants) are covered under the EHC plan.

• Oral examination, x-rays, dental prophylaxis, topical fluoride treatment (including prophylaxis).
• Restorative services (fillings, tooth-coloured restorations).
• Endodontics, root canal therapy, periapical services.
• Prosthetic services (minor denture adjustments, denture repairs, denture rebasing or relining).
• Oral surgery.