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Overview
The Association Silver Dental Plan is an affordable and simple guaranteed acceptance plan. It is designed to protect individuals or small business owners from routine and unexpected dental and extended health care costs.
Plan details
Guaranteed Issue Plan
Drugs
Not available
Dental1
- 60% in year 1 up to a maximum of $600; 80% in year 2 and beyond up to a maximum of $900 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.
- $20 per visit up to a $300 per specialist/therapist
- $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 (purchase 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 Care2 – 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 Security2 – 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 Benefits
Not available
Travel
Not available
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 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.
2 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.