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ContinYou® GOLDEN health and dental coverage for retirees

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Why get ContinYou® GOLDEN?

Retiring doesn’t have to mean leaving health and dental benefits behind. Now you can continue to enjoy coverage with ContinYou® GOLDEN.

You can apply for coverage if you:

  • Are a Canadian resident between the ages of 50-75
  • Have been covered by a group health and dental plan for 2 years prior to retirement
  • Are covered under a provincial plan*

*ContinYou® GOLDEN is not a RAMQ replacement coverage for Quebec residents.

Why choose Co-operators for retiree health and dental coverage?

Easy to apply

You can apply and buy coverage within 60 days of your group benefits ending. A medical exam isn’t required. Get started with an online quote.

Policies that fit your lifestyle

We offer 3 levels of coverage designed to protect you, your spouse or partner, and dependent children. Explore our policies and find the right one for you.

Convenient access to your digital pay direct drug card

To view your online card, open the Benefits Now® mobile app. Show the card to your pharmacist and the portion that’s covered by your policy is automatically paid.

Exceptional service and support

Our bilingual licensed insurance representatives can answer your questions. Call 1-844-953-0414, Monday to Friday between 8:30 a.m. and 5:00 p.m. ET.

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What's covered?
  • Prescription drugs
  • Accidental dental treatment
  • Land and air ambulance transportation
  • In-home nursing care
  • Medical items or prosthetic equipment, such as a wheelchair
  • Paramedical services
  • Hospital accommodation
  • Emergency travel medical coverage

Plus, get on-demand virtual health care

Get access to medical consults with knowledgeable clinicians. TELUS Health Virtual Care** is available to policyholders 24 hours a day, 7 days a week.

**Some restrictions apply 

Choose the right policy for you

ContinYou® GOLDEN offers 3 levels of coverage. Explore our policies.

Coverage type


Get essential drug coverage and more.


Enjoy additional drug coverage and more.

Enhanced Plus

Get our best drug coverage and more. 

Prescription drugs

$1,500 per year

$2,500 per year

$5,000 per year

Home nursing care

$15,000 per lifetime

$20,000 per lifetime

$25,000 per lifetime

Vision care

Not covered

Not covered 

$200 per 2 years and includes laser eye surgery

Hearing aids

Not covered

$300 per 4 years

$500 per 4 years


Not covered

75% coinsurance 

80% coinsurance 

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For more details about our policies, call our ContinYou® GOLDEN client service team at 1-844-953-0414.

Dental covers basic restorative, endodontic, and periodontic services, including exams, cleanings, fillings, scaling, polishing, and oral surgery. Enhanced Plus provides coverage for major restorative services, including crowns, bridges, and dentures.

Still have questions?

Connect with a licensed insurance representative to find the right retiree health and dental insurance solution for you. Call 1-844-953-0414.