Medical Coverage

You have three options for medical coverage – ranging from more flexibility to more comprehensive benefits. The coverage levels, plan maximums and cost-sharing vary depending on which option you choose:


  Level One Level Two Level Three
Prescription Drugs 50% on drugs 70% on drugs 80% on drugs
Covered Medication Listing of eligible drugs (TELUS formulary)
Out-of-pocket maximum $2,500 per covered person, per plan year $1,500 per covered person, per plan year $1,000 per covered person, per plan year
Healthcare Spending Account (HSA) $780 per plan year $300 per plan year $120 per plan year
Deductible None
Coinsurance 50% co-insurance on all covered health expenses, except emergency out-of-country 70% co-insurance on all covered health expenses, except emergency out-of- country, vision, and hearing aids 80% co-insurance on all covered health expenses, except emergency out-of- country, vision, and hearing aids
Overall Drug maximum Overall Drug Maximum $25,000 per individual per year Overall Drug Maximum $45,000 per individual per year Overall Drug Maximum $62,500 per individual per year
Hospital (including Convalescent & Substance Abuse Treatment Facility) No Coverage Semi-Private Semi-Private
Nursing Care No Coverage $5,000 to max. 12 months per condition $5,000 to max. 12 months per condition
Psychologist (Paramedical) No Coverage 70% co-insurance, $1,000 per plan year 80% co-insurance, $1,500 per plan year
Chiropractor, Massage, & Physiotherapy (Paramedical) No Coverage 70% co-insurance, $325 per plan year, per practitioner 80% co-insurance, $425 per plan year, per practitioner
Other Paramedical No Coverage 70% co-insurance, $250 per plan year, per practitioner (Acupuncturist, Audiologist, Chiropodist/ podiatrist, Dietitian, Naturopath, Occupational Therapist, Osteopath, Speech Therapist to a combined maximum of $500) 80% co-insurance, $350 per plan year, per practitioner (Acupuncturist, Audiologist, Chiropodist/ podiatrist, Dietitian, Naturopath, Occupational Therapist, Osteopath, Speech Therapist to a combined maximum of $1,000)
Vision Care No Coverage $225 per 24 months (12 months for dependent < 19) $225 per 24 months (12 months for dependent < 19)
Eye Exams No Coverage $75 per 24 months (12 months for dependent < 19) $75 per 24 months (12 months for dependent < 19)
Orthopedic shoes/ Orthotics No Coverage Combined $400 per plan year Combined $400 per plan year
Hearing Aids No Coverage $400 per 3 years $400 per 3 years
Support Hose 2 pairs per plan year to max. of $250 2 pairs per plan year to max. of $250 3 pairs per plan year to max. of $250
X-ray & Lab tests No Coverage Included when not covered by provincial plan Included when not covered by provincial plan
Wigs $750 lifetime
Drug Formulary
  • Telus Formulary
  • Generic Substitution
  • Prior authorization
Dispensing Fee Cap $7.00
Not applicable to Quebec Participants.
Smoking cessation drugs $500 lifetime
Preventative Immunizations Included (Vaccines)
Accidental Dental Included
Global Medical Assistance Worldwide 24-hour telephone support for travelers in emergency medical situations, including access to medical advisors and help locating hospitals, clinics and physicians.
Emergency out-of-country medical Coverage for emergency medical expenses for you and any covered dependents while travelling out of province or out-of- country.