What your province covers
Health care costs are on the rise. Because the government cannot afford to pay for all services,
Canadians are spending more of their own money on medical bills.
CAA Health & Dental helps fill the gaps left by provincial health plans so CAA Members and their
families can reduce their out-of-pocket medical expenses. Build your own plan now »
Your provincial health insurance plan only offers the following limited coverage:
Ontario
| Prescription drugs |
- Individuals with the Trillium Drug Program: Deductible based on family income.
- Individuals pay up to $2 per prescription after deductible.
- Individuals receiving social assistance or family benefits: pay $2 per prescription, no deductible.
- Individuals over 65: pay first $100 of prescription drug costs per year and up to $6.11 per prescription thereafter.
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| Dental care |
- Coverage for some surgical dental procedures performed in hospital, including fractures and medically necessary jaw reconstruction.
- CINOT provides basic urgent care for children through Public Health.
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| Vision care |
- Individuals under 20 and over 65 years of age: coverage for one examination every 12 months.
- Individuals over 20 and under 64 years of age: no coverage unless there is a medical condition.
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| Hospitalization |
- Coverage for basic ward accommodation, normal hospital in-patient services and certain hospital out-patient services.
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| Registered specialists |
- Partial payment available for chiropractor, osteopath, podiatrist.
- Physiotherapist: coverage provided if services performed in an approved physiotherapy clinic, hospital, physician's office that offers physiotherapy, and Community Care Access Centre.
- Speech pathologist/therapist: coverage when services performed in hospital, when prescribed by a physician, or via CCAC.
- Chiropodist: no coverage.
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| Home care and nursing |
- Limited health and homemaking services available through Community Care Access Centre (CCAC), with physician referral: services such as dietetic services, nursing, personal support and more.
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| Medical equipment |
- Assistive Devices Program will pay up to 75% of the cost of equipment such as: artificial limbs, wheelchairs, breast prostheses, breathing aids, braces, oxygen, hearing and visual aids and more.
- Seniors and individuals receiving social assistance: 100% coverage for oxygen and related equipment.
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| Ambulance services |
- Partial coverage for land and air ambulance when medically necessary, patient pays $45 deductible (some exceptions apply).
- No coverage outside of province.
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| Out-of-province physician and hospital services |
- Coverage (to Ontario maximums), with the exception of Quebec. Quebec services reimbursed at pre-determined rates.
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| Out-of-country physician and hospital services |
- Physician emergency services: 100% coverage (to Ontario maximums); Hospital care: up to $400 per day;
- Out-patient care: $50 per visit;
- Dialysis treatment: up to $210 per treatment.
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| Hearing aids |
- Up to 75% coverage under the Assistive Device Program for eligible individuals.
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Build your own customized plan
Mix and match different levels of drug and/or dental coverage. This helps you save because you'll pay only for what you actually need.
Choose a plan based on your life stage
Health and dental coverage is not one-size-fits-all. So we put together some plan combinations that may suit certain life stages. Find yours!
This information is provided to give a general overview of possible coverage. Information is subject to change without
notice. For detailed benefits and eligibility criteria, please contact your health care provider or provincial government.
Why Choose CAA Health & Dental
| Fill the gaps in your provincial health coverage with your choice of up to 16 plan combinations. |
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All plans are available at low rates exclusive to CAA Members and their families!
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