Health and dental coverage

• Basic Life Benefits provide financial support to a beneficiary if a plan member dies while they’re insured.
• Accidental Death and Dismemberment Insurance provides plan members and their loved ones financial support in the event of an accidental death, loss of a body part, paralysis, or loss of a body function including sight, hearing and speech.
• Living Assistance Benefit supports plans members if they become terminally ill. The coverage helps pay for medical, welfare and other health expenses.

Dependent Life Insurance provides plan members financial support in the event of an eligible dependent’s death.

Extended Health Care (EHC) benefits include a wide range of coverages. They help protect against the cost of medical services and treatments not covered by a province’s health care plan.

Benefits can include:

• Paramedical services, such as chiropractors, massage therapists, naturopaths, podiatrists and speech therapists
• Mental health specialists, such as psychologists and social workers
• Vision care
• Medical services and equipment
• Hospital care
• Emergency travel assistance
• Inclusive coverages

Our comprehensive drug benefits strategy gives plan members access to the medications they need while managing plan sponsor costs.

Plan sponsor costs are kept sustainable by:

• Partnering with our in-house pharmacy specialists and industry-leading vendors to provide comprehensive coverage
• Taking a holistic approach to prior authorization – claims for specialty drugs are approved only when specific criteria are met
• Using an evidence-based approach to drug coverage – our plans are protected from costly drugs that don’t deliver value or positive health outcomes

Supporting plan members with access to dentists and certified dental specialists can help them prevent and manage oral diseases.

Our Dental Care benefits can be part of a traditional or flexible plan. Most dental plans include coverage for:

• Preventative care, such as cleanings
• Basic dental care, such as filling and extractions
• Major restorative care, such as root canals and orthodontic care

Our comprehensive mental health care strategy supports plan members and their wellbeing. Mental Health Care coverage includes increased psychology benefits with $2,500 and $5,000 options.

Help plan members get the care they need when they need it. TELUS Health Virtual Care connects plan members with a health care professional from the comfort of their home. Plan members can get support with:

• Consultations and diagnosis
• Prescriptions
• Referrals to specialists
• Mental health concerns
• Lab work and imaging requests
• Medical advice

Group Critical Illness gives plan members the financial support they need when diagnosed with a serious illness. Funds can be used to:

• Pay for medical treatments
• Cover everyday costs
• Modify their homes

Medical second opinion

If diagnosed with a serious illness, plan members can have their cases reviewed by a team of experts. Services include:

• A medical review by specialists, followed by a written report with a confirmed diagnosis and suggested treatment plan
• A conference call between the plan member’s physician and the consulting physician
• Personalized support from an assigned nurse case manager

Plan members can get coverage for health and wellness-related expenses. There are two types of flexible spending accounts: Health Care Spending and Personal Spending.

Members can use their Health Care Spending Account to pay for:

• Expenses if they go over and above the maximum provided by their group benefits plan
• Deductibles not covered by their plan
• Expenses that aren’t covered under a traditional health and dental plan

Members can use their Personal Spending Account to cover alternative health therapies, gym memberships, pet care costs and more.

Whether plan members are travelling within Canada or to another country, Emergency Out of Country Care can cover many additional costs related to emergency medical treatments.

An affordable way for plan members to get the extra protection they want. Additional coverages include:

• Optional Life, which gives plan members an opportunity to purchase additional life insurance for themselves and their loved ones
• Optional Critical Illness, which gives plan members additional coverage if they’re diagnosed with a serious illness
• Dependent Optional Critical Illness, which gives additional coverage if a plan member’s spouse or child is diagnosed with a serious illness
• Optional Accidental Death and Dismemberment Insurance, which provides plan members and their loved ones additional financial support in the event of an accidental death, loss of a body part, paralysis, or loss of a body function including sight, hearing and speech