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Enjoy the flexibility of building a plan that's customized for your family. All plans include Basic Extended Health Care which may also be bought by itself. Then you can choose to add different levels of drug and/or dental. Enhanced Extended Health Care is available only with Drug 3.

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Health & Dental - Ontario

Start with Extended Health Care (EHC)

Benefits	Basic EHC Included in all plans	Enhanced EHC Available only with Drug 3
LIFETIME MAXIMUM (excludes Vision, Accidental Death & Dismemberment and Hospital benefits)	$250,000	$350,000
AMBULANCE SERVICES Covers trips to hospitals in a licensed ground ambulance and covers charges up to the amount between what your provincial health plan covers and what is reasonable and customary.	Unlimited ground transportation, including in-province air ambulance to a maximum of: Year 1: $4,000 Year 2: $4,000 Year 3: $4,000 Year 4+: $5,000	Unlimited ground transportation, including in-province air ambulance to a maximum of: Year 1: $4,000 Year 2: $4,000 Year 3: $4,000 Year 4+: $5,000
ACCIDENTAL DENTAL SERVICES Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90 day period following the accident.	Maximum per year for natural teeth: Year 1: $2,000 Year 2: $2,500 Year 3: $3,000 Year 4: $3,000 Year 5+: $3,500	Maximum per year for natural teeth: Year 1: $2,000 Year 2: $2,500 Year 3: $3,000 Year 4: $3,000 Year 5+: $3,500
REGISTERED SPECIALISTS AND THERAPISTS Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists and Speech Therapists. ** Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.	Maximum claims paid per specialist / therapist: Year 1: $300 Year 2: $300 Year 3+: $400 Maximum per visit - $20 Maximum per year for Chiropractic x-rays - $35	Combined yearly maximums of: Year 1: $750 Year 2: $750 Year 3: $800 Year 4: $800 Year 5+: $850 Maximum per year for Chiropractic x-rays - $35
REGISTERED SPECIALISTS AND THERAPISTS (cont) Psychologist	Maximum per first visit - $80 Maximum per subsequent visit - $60 Maximum visits per year - 10	Maximum per first visit - $80 Maximum per subsequent visit - $60 Maximum visits per year - 12
REGISTERED SPECIALISTS AND THERAPISTS (cont) Speech Therapist	Maximum per first visit - $65 Maximum per subsequent visit - $40 Maximum visits per year - 10 (15 for Seniors)	Maximum per first visit - $65 Maximum per subsequent visit - $40 Maximum visits per year - 12 (15 for Seniors)
HOMECARE AND NURSING, PROSTHETIC APPLIANCES AND DURABLE MEDICAL EQUIPMENT Covers the services of registered health professionals including Registered Nurse, Registered Nursing Assistant or healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheel-chairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife Financial. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.	Maximum per year for each of: Homecare and Nursing; Prosthetic Appliances; and Durable Medical Equipment: Year 1: $1,000 Year 2: $1,300 Year 3: $1,500 Year 4: $2,000 Year 5+: $3,000 Seniors maximums: Year 1: $1,100 Year 2: $1,500 Year 3: $1,700 Year 4: $2,500 Year 5+: $3,500	Combined yearly maximums: Homecare and Nursing; Prosthetic Appliances; and Durable Medical Equipment: Year 1: $8,500 Year 2: $9,000 Year 3: $9,500 Year 4: $9,500 Year 5+: $9,500 Seniors combined yearly maximums of: Year 1: $9,000 Year 2: $9,500 Year 3: $10,000 Year 4: $10,000 Year 5+: $10,000
HOMECARE AND NURSING, PROSTHETIC APPLIANCES AND DURABLE MEDICAL EQUIPMENT (cont)	$225 per year for custom-made orthotics (which is part of Durable Medical Equipment)	$225 per year for custom-made orthotics (which is part of Durable Medical Equipment)
HEARING AIDS Covers the cost to purchase and /or repair up to the allowed maximum.	Maximum for every 4 years: Year 1: $400 Year 2: $400 Year 3: $400 Year 4: $400 Year 5+: $450 Seniors Maximums for every 4 years: Year 1: $500 Year 2: $500 Year 3: $500 Year 4: $500 Year 5+: $600	Maximum for every 4 years: Year 1: $500 Year 2: $500 Year 3: $500 Year 4: $500 Year 5+: $600 Seniors Maximums for every 4 years: Year 1: $600 Year 2: $600 Year 3: $600 Year 4: $600 Year 5+: $700
BEST DOCTORS^®‡ SOLUTIONS SERVICES Upon suspicion or diagnosis of a serious illness or injury, you can receive an evaluation of your medical records by world-class specialists who confirm the initial diagnosis and recommend appropriate treatment options. This fast, yet indepth review can reduce potentially serious complications from a misdiagnosis and help your local physician determine the proper course of action. In addition to medical advice, Best Doctors provides the following services: treatment planning, identification of the most appropriate care provider, and care management.	Covered	Covered
SURVIVOR BENEFIT Provides continuous coverage for 1 year, following the death of an adult Insured.	Covered	Covered
LIFELINE^®† RESPONSE SERVICE Designed to get help to you when you need it. For people coping with medical problems at home and wanting to live more independent lives.	Not offered	Covered - 2 years per lifetime
VISION CARE Covers the costs to purchase prescription lenses and frames, contact lenses or laser eye surgery. Also includes eyeglass repair warranty. This benefit does not include industrial safety glasses. Optometrist Visit (where not covered by government health insurance plan)	Maximum per 2 years: Year 1: $100 Year 2: $100 Year 3: $150 Year 4: $150 Year 5+: $200 $50	Maximum per 2 years: Year 1: $300 Year 2: $300 Year 3: $350 Year 4: $350 Year 5+: $400 $50
ACCIDENTAL DEATH AND DISMEMBERMENT Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.	Maximum payment for adults: Year 1: $10,000 Year 2: $15,000 Year 3: $15,000 Year 4: $20,000 Year 5+: $25,000 Maximum payment for children and seniors: Year 1: $10,000 Year 2: $10,000 Year 3: $10,000 Year 4: $10,000 Year 5+: $10,000	Maximum payment for adults: Year 1: $20,000 Year 2: $30,000 Year 3: $40,000 Year 4: $50,000 Year 5+: $75,000 Maximum payment for children and seniors (persons aged 65 years or over): Year 1: $10,000 Year 2: $15,000 Year 3: $20,000 Year 4: $25,000 Year 5+: $37,500
HOSPITAL BENEFITS Preferred hospital accommodation in excess of the standard ward room rate made by a general (acute care) hospital. Also included is a cash benefit in lieu of the room cost for each day you are not able to obtain preferred accommodation.	Unlimited semi-private or private room accommodation (up to a maximum of $200 a day) $50 per day if a preferred room is not obtainable from first day (up to $1,200 per year) Available with Drug 2 plan.	Unlimited semi-private or private room accommodation (up to a maximum of $200 a day) $50 per day if a preferred room is not obtainable from first day (up to $1,200 per year) Available with Drug 3 plan.
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Option to add a drug plan

Benefits	Drug 1	Drug 2	Drug 3
PRESCRIPTION DRUGS Drug Coverage**	70% co-payment for generic drugs*** for claims submitted to a maximum of: Year 1: $300 Year 2+: $350	75% co-payment for generic drugs*** for claims submitted to a maximum of: Year 1: $3,000 Year 2: $4,000 Year 3+: $5,000	90% co-payment for brand-name drugs for claims submitted to a maximum of: Year 1: $6,000 Year 2: $7,500 Year 3+: $10,000
PRESCRIPTION DRUGS Seniors' Drug Coverage**	100% for generic drugs*** for claims submitted to a maximum of $350	100% for generic drugs*** on the first $500; 75% on the next $4,500 Total benefits payable $3,875 per year	100% for brand-name drugs on the first $500; 90% on the next $9,500 Total benefits payable $9,050 per year
PRESCRIPTION DRUGS Shared Dispensing Fee	$6.50 per prescription	Covered	Covered
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Option to add a dental plan

Benefits	Dental 1	Dental 2	Dental 3
DENTAL SERVICES - Ongoing Maintenance Covers basic services such as examinations, fillings and cleanings, x-rays, extractions, diagnostic and preventative services, pit and fissure sealant, restorations, scaling and root planning. Paid at a percentage of the current Dental Association Fee Schedule.	70% co-payment	80% co-payment	80% co-payment 100% in Year 2+ for exams, diagnostics and scaling services
DENTAL SERVICES - Oral Surgery Endodontic Services Periodontal Services Adjunctive Services Space Maintainers Denture Repair Reline Rebase Adjustments Anaesthesia Surgical Services	Not covered	60% co-payment	60% co-payment in Year 1&2; 80% in Year 3+
DENTAL SERVICES - Major Restorative Dentures (including premium dentures), Orthodontics Crowns (including bonded crowns) Bridges Orthodontics	Not covered	Not covered	60% co-payment beginning in 3rd year with a maximum of $750 for every 3 year period
DENTAL SERVICES Anniversary Year Maximums	Year 1: $350 Year 2: $550 Year 3+: $700	Year 1: $500 Year 2: $700 Year 3+: $900	Year 1: $700 Year 2: $900 Year 3+: $1,200
DENTAL SERVICES Recall	9 months	9 months	6 months
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Fill the gaps in your provincial health coverage with your choice of up to 16 plan combinations.
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