Continuumplan.com - A new Plan that evolves with you

Health Plan - Coverage includes the health, vision, and emergency travel assistance benefits. Health Plan and Dental Plan - Coverage includes the Health Plan benefits + dental coverage. You cannot enrol for dental coverage only.

Coverage includes the health, vision, and emergency travel assistance benefits.

HEALTH BENEFITS	HEALTH-CARE COVERAGE
Prescription Drugs	80%	Of eligible prescription drug costs with a $5 dispensing fee cap*
Eyeglasses and Contact Lenses	100%	$125 per 24 months
Eye Exam	100%	$30 per 24 months
Emergency Expenses out of Province	100%	Emergency out of province coverage $250,000 lifetime maximum 30 days per trip, unlimited trips Emergency Travel Assistance coverage
Hospital	100%	Upgrade to Semi-Private Room $100 per day maximum, 60-day maximum stay Convalescent room, $20 per day maximum, 120-day maximum stay Hospital allowance $25 per day
Paramedical	80%	Physiotherapist, osteopath, audiologist, podiatrist, registered dietician, and speech therapist require a doctor's referral Chiropractor and naturopathic services $30 per visit, $400 per Policy Year per service, overall Policy Year maximum of $800 for all services combined
Medical Services & Equipment Expenses	80%	Medically necessary equipment rented for temporary therapeutic use, casts, splints, trusses, artificial limbs & eyes (excluding myoelectric appliances) Hearing Aid, $500 every five consecutive Policy Years Wigs as a result of chemotherapy treatment $500 lifetime maximum Orthotics, including Orthopedic shoes (custom made only), $300 maximum per Policy Year
Ambulance	100%	Coverage for ground and air ambulance
Diagnostic Services	80%	Lab tests and x-rays $300 maximum per Policy Year
Dental Accident	100%	Coverage for repair of teeth damaged by accident $2,000 maximum per Policy Year
Private Duty Nursing	80%	Up to $5,000 per Policy Year ($25,000 maximum covered lifetime)

Coverage includes the Health Plan benefits + dental coverage. You cannot enrol for dental coverage only.

DENTAL BENEFITS	DENTAL CARE COVERAGE
Diagnostic & Preventive	70%	Complete exams every 36 months Recall exams (polishing, scaling, bitewing x-rays, topical fluoride, oral hygiene), every nine months Extraction of impacted teeth
Basic	50%	Fillings, other extractions, basic restorations, endodontics (root canal therapy), periodontics, oral surgery

Annual Maximum for the Health Plan (other than out of province emergencies): $10,000 per Policy Year, per insured person.

Policy Year: The 12 consecutive months from September 1 to August 31 of the following year.

* The Plan covers most medications legally requiring a prescription and is reimbursed at the rate of the lowest priced equivalent generic product.

Reimbursement will be made for eligible expenses that are not covered by the insured's provincial health-care plan.

If you are a resident of Quebec, you are required to be covered under the Régie de l'Assurance Maladie du Québec (RAMQ) or an equivalent group plan, which is the first payor for your prescription drugs. Continuum will be second payor to comply with legislation from the RAMQ.

Reimbursement for dental expenses will not exceed the fee stated in the Dental Association Fee Guide for general practitioners in the province where the treatment is received.

Dental Plan Policy Year Maximum: $500 in your first Policy Year, $750 in your second and subsequent Policy Years.

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