Protect your health
and your budget
with health insurance

Costs for health-related services can add up quickly, whether you're filling a prescription, visiting the dentist, getting new glasses or mapping out a course of treatment for a critical illness. Health insurance helps you manage routine and unexpected costs, protecting your budget and your lifestyle.

it's easier to rest easy with health coverage

Drug, dental and extended health care insurance coverage

Flexcare® Plans

Whether you need an all-around health and dental plan or targeted protection in a specific area, Flexcare provides affordable, flexible coverage.

What's covered?

Core plans

  • Prescription drugs
  • Dental care
  • Vision care
  • Registered specialists and therapists
  • Other extended health care services
Standalone plans
  • Semi-private or private hospital rooms
  • Catastrophic drug costs (catastrophic coverage is not available in Quebec or to persons age 65 and over).

When do you pay benefits?

Flexcare plans reimburse a portion or all of your eligible health-related expenses either when you pay or later by cheque or direct deposit into your bank account.

Why should I consider this plan?

If there are gaps in your coverage – big or small – Flexcare plans can give you confidence you'll be able to afford whatever care you need.

FollowMe Plans

When you lose health and dental benefits at work – whether you leave, lose your job or retire – FollowMe plans can help keep you protected. You must apply within 90 days of the date your benefits end. When you do, your coverage is guaranteed with no medical questions.

What's covered?

Basic Plan and Enhanced Plan

  • Prescription drugs
  • Vision care
  • Registered specialists and therapists
  • Other extended health care services

Enhanced Plus Plan and Premiere Plan

  • All of the above plus
  • Dental care

When do you pay benefits?

FollowMe plans reimburse a portion or all of your eligible health-related expenses either when you pay or later by cheque or direct deposit into your bank account.

Why should I consider this plan?

With workplace benefits, you didn't have to pay the full amount for many health-related costs. FollowMe plans can help keep you protected from a wide range of out-of-pocket expenses.

Serious illness insurance coverage

Critical Illness

If you're diagnosed with a critical illness, you may face a lot of unexpected expenses. CoverMe® Critical Illness Insurance provides cash you can use for anything you need – including medications, equipment, travel, childcare and time off work while you recover.

What's covered?

  • Cancer
  • Heart attack
  • Stroke
  • Coronary artery bypass surgery
  • Aortic surgery

When do you pay benefits?

CoverMe Critical Illness Insurance pays a lump sum of $25,000, $50,000 or $75,000 directly to you by cheque or direct deposit after you survive a covered critical illness for at least 30 days.

Why should I consider this plan?

Every year, hundreds of thousands of Canadians learn they have cancer or experience a heart attack or stroke.1 If it happens to you, critical illness protection gives you financial flexibility so you can focus on getting better.

1 www.cancer.ca, www.hricanada.org

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Top 5 questions about health and dental


If your claim form is complete and accurate, you will generally receive payment within six business days. When information is missing, we may have to return the claim form to you. This delays processing and payment.


First, check to see if your provider has already submitted your claim. Often, you don't have to submit a claim because many hospitals, pharmacies and dentists can submit your claim directly to us. There's no online form or paperwork for you, and you only pay the amount your plan doesn't cover.

If your provider hasn't already submitted your claim, you can submit your claim online or on paper by mail.

Submit your claim online:

  • Within 12 months of the date you were charged
  • After you've paid more than any deductible in your plan
  • Specify the currency if your claim is for services outside Canada
  • Hold onto original receipts and applicable supporting documentation for 12 months

Submit your claim on paper by mail:

  • Within 12 months of the date you were charged
  • After you've paid more than any deductible in your plan
  • Specify the currency if your claim is for services outside Canada
  • Include original receipts and applicable supporting documentation
  • Make sure you've signed your claim form
  • Extended health claim form – for all covered expenses except dental expenses
  • Dental benefit claim form – must be completed by your dentist or dental specialist

For FlexCare Customers
If you're in Canada or the United States, call our Assistance Centre at 1-800-805-1008. Outside of Canada or the United States, call collect at 1-519-251-7298.

For Follow Me Customers
If you're in Canada or the United States, call our Assistance Centre at 1-855-857-5919. Outside of Canada or the United States, call collect at 1-519-251-1570.


Every province and territory has a different health insurance plan – check your health ministry's website for details – but most may not cover:

  • Prescription drugs
  • Dental checkups and treatment
  • Vision care
  • Semi-private or private hospital rooms
  • Registered specialists and therapists such as Acupuncturists, Chiropodists, Chiropractors, Naturopaths, Osteopaths, Physiotherapists, Podiatrists, Psychologists/Psychotherapists, Registered Massage Therapists, Speech Pathologists/Therapists
  • Health-related products such as orthotics, hearing aids, prosthetics and medical equipment
  • Health-related services such as ambulance, homecare and nursing, medical coordination and second medical opinions
  • Emergency medical care for travellers

Our health and dental plans that offer guaranteed acceptance, including the Flexcare® ComboPlusTM Starter Plan and all four FollowMeTM plans for people whose group benefits are ending, cover eligible pre-existing conditions and eligible current medications. Our other health and dental plans only cover new medications. Refer to your policy for more details.

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Top 5 questions about critical illness insurance


The CoverMe Critical Illness Insurance plan was designed for healthy individuals between the ages of 18 and 65, who want a basic amount of affordable critical illness coverage that can be obtained quickly, easily and without completing a medical questionnaire.


In the Critical Illness Insurance Health Declaration, "signs and/or symptoms" of heart disease means any indication that heart disease may exist – for example:

  • Chest pain
  • Chest discomfort possibly radiating to arms, neck or jaw
  • Irregular heart rate
  • Shortness of breath
  • Cold sweats
  • Nausea
  • Lightheadedness

However, these signs or symptoms could be caused by conditions other than heart disease.


In the Critical Illness Insurance Health Declaration, "medical consultations" means visits to a doctor or medical practitioner prompted by signs or symptoms related to the conditions named in the Health Declaration. Medical consultations do not include routine check-ups that were not prompted by these signs or symptoms.


In the Critical Illness Insurance Health Declaration, "abnormal tests" means tests that have a "positive" result or require further testing, investigation or consultation – for example:

  • Positive ECG
  • Positive stress test
  • Positive chest x-ray
  • Elevated PSA test
  • Positive mammogram
  • Elevated blood sugar test
  • Positive colonoscopy

They do not include tests with "negative" or normal results that do not require further investigation, run for either diagnostic or routine purposes.


You may still be eligible. However, you are not eligible if you have had an abnormal ECG or been diagnosed with or experienced symptoms of coronary artery disease, heart attack, stroke, TIA or heart surgery.

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