Association Base Health and Dental Plan

Back

Overview

The Association Base Health and Dental Plan is for individuals or small business owners who want an affordable and simple guaranteed acceptance plan. The plan comes with prescription drug coverage and requires no medical questionnaires at the time of application.

Plan details

Guaranteed Issue Plan

Drugs1

  • 70% of $750 to a maximum of $525 a year
  • Dispensing fee (up to $6.50 every time)

What’s included?

  • Generic prescription drugs2
  • Birth control

What’s excluded?

Smoking cessation drugs, over-the-counter drugs, assisted conception drugs, erectile dysfunction drugs, and drugs not requiring a prescription.

Dental3

  • 70% up to a maximum of $400 every year
  • Check-ups every 9 months

What’s included?

  • Examinations, cleaning, fillings, scaling, polishing, root planing, diagnostic, select extractions and other basic dental services
  • Extensive services including oral surgery, endodontics, periodontics and denture services

What’s excluded?

Crowns, bridges, dentures and orthodontics

Vision

  • $100 per 2 years
  • Optometrist fees up to $60 every 2 years

What’s included?

Prescription lenses, frames, contact lenses, laser eye surgery

What’s excluded?

Industrial safety glasses

Extended Health Care

$100,000 lifetime maximum. 

  • Registered specialists and therapists include acupuncturists, chiropractors, dietitians, osteopaths, podiatrists, naturopaths, chiropodists, massage therapists and physiotherapists.
  • $25 per visit up to a $500 combined maximum
  • $35 per year for chiropractic X-rays
  • Registered Psychologist or Psychotherapist
  • $80 for first visit and $65 for subsequent visits 
  • Up to 10 visits per year
  • Registered Speech Therapist
  • $65 for first visit and $45 for subsequent visits 
  • Up to 10 visits per year
  • Orthotics (custom-made) – $225
  • Hearing aids (purchased or repair) – $300 every 4 benefit years.
  • Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment – $1,000 in year 1; $1,300 in year 2; $1,500 in year 3; $2,000 in year 4; $2,500 in year 5 and beyond
  • Ambulance services (air or ground) – unlimited
  • Accidental dental – $2,000 maximum per person, per year
  • TELUS Health Virtual Care4 – included in your plan is unlimited 24/7 access to health care professionals, clinical screening, mental health assessments, prescription refills and more.
  • TELUS LivingWell CompanionTM or TELUS SmartHome Security4 – 6 months every 3 years for one of these services
  • LivingWell Companion – Get live access to a trained operator for emergency assistance 24 hours a day, 7 days a week. Includes an optional fall detector.
  • SmartHome Security – Get home security and home monitoring from your smartphone

Hospital Benefits5

Not available

Travel6

  • $5 million in emergency health coverage for first 5 days of each trip

Unlimited number of trips

Accidental Death and Dismemberment

  • $10,000 per adult under 65
  • $4,000 per child or per adult 65 and older

Survivor Benefit

Continued coverage with no premiums for 1 year after death of an insured adult

  • Available 1 year after policy effective date

Quebec only: Diagnostic Services

Annual maximums: 

  • CAT Scans: $200
  • CA 125 Test: $75
  • PSA Test: $75
  • Ultrasound scans: $50
  • Magnetic Resonance Imaging: $500
  • Audiologist: $500
  • Laboratory Tests: $100 per category

All references to “year” refer to Anniversary Year. When it relates to Hearing Aids and Vision benefits, year refers to Benefit Year. Anniversary Year refers to the consecutive 12-month period following the effective date of your policy, and each 12-month period thereafter. Benefit Year refers to the consecutive 12-month period following the date a claim for a specific benefit is first incurred under your policy. Calendar Year means the 12-month period commencing January 1 and ending December 31.

1 Prescription drug coverage applies to costs not covered by your provincial/territorial prescription drug insurance plan, up to the maximums stated above. 
Quebec only: The prescription drug coverage available under this plan is limited to costs not covered by the RAMQ Prescription Drug Insurance Plan. It is not intended to be a replacement for the RAMQ Plan. In order to be eligible for coverage under this Plan, you must have a provincial health card and be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan.

2 Generic Drug – A generally less expensive alternative to an interchangeable brand-name drug product. Please note: Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan. Exclusions: smoking cessation drugs, over-the-counter drugs, fertility drugs, birth control drugs, erectile dysfunction drugs, and drugs not requiring a prescription. Other exclusions apply; please consult your policy for details.

3 Dental coverages are designed to coincide with the current provincial/territorial Dental Association Fee Guide for General Practitioners and will be adjusted to match any increases in the fee guide. If applicable, dental coverage begins at the age when dental coverage under your government health insurance plan coverage ends.

4 TELUS Health Virtual Care, TELUS LivingWell Companion, and TELUS SmartHome Security are trademarks of TELUS Corporation, used by it and its affiliates under license. Manulife cannot guarantee the availability of this benefit indefinitely.

5 Manulife cannot guarantee the availability of semi-private and/or private accommodation. 

6 Travel insurance coverage ends at age 65 and may be limited or excluded for any illness or condition that first appears in the 9 months preceding each departure date.

Contact us
Contact your wholesaler