Compare personal health insurance plans
Find the key differences between plans to help you decide which health coverage is right for you.
Up to $25,000 for policyholder and/or partner; $5000 for each dependent child
Not included
Not included
Not included
Unlimited coverage for accidental damage to natural teeth
$2,000
$2,500
$3,000
Unlimited Emergency trips to a Hospital
*50% to transport the Insured to their home residence or another Hospital when ordered by a Physician following Emergency Hospital treatment.
*50% for ambulance services that do not result in transport to a Hospital.
One in a 5-year period
Unlimited, one in a 24-month period
Not included
$325 (single)/ two policy years
$650 (double)/ two policy years
Coverage included under Health practitioner benefit
*Clinical psychologist, counsellor registered social worker
$75 per visit | up to $450 combined
*Clinical psychologist, counsellor registered social worker
$75 per visit | up to $600 combined
*Clinical psychologist, counsellor registered social worker
$75 per visit | up to $750 combined
*Clinical psychologist, counsellor registered social worker
Available as an optional benefit
Available as an optional benefit
Basic dental services: 80% coverage
Major dental services: 50% coverage
Combined maximum: $1,500
No waiting period
Available as an optional benefit
Diabetic Supplies: Unlimited coverage
Diabetic Equipment: 80% coverage | up to $500
$500 combined
Diabetic Supplies: Included under the Prescription drug benefit
Diabetic Equipment: Coverage not included
Diabetic Supplies: Included under the Prescription drug benefit
Diabetic Equipment: $500/five policy years
Up to $4,000 when death is accidental
Not included
Not included
Not included
$400 per specialty*
*Specialties Include: chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist / counsellor / social worker, naturopath, speech language pathologist and acupuncturist
$300 per specialty*
*Specialties Include: chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist / counsellor / social worker, naturopath, speech language pathologist and acupuncturist
Not included
Acupuncturist, athletic therapist, chiropodist, chiropractor, dietitian, homeopath, massage therapist, naturopath, osteopath, podiatrist, physiotherapist, reflexologist
- 80% coverage | up to $500 combined
Speech language pathologist / audiologist
- $80 per visit | up to $300 combined
Acupuncturist, athletic therapist, chiropodist, chiropractor, dietitian, homeopath, massage therapist, naturopath, osteopath, podiatrist, physiotherapist, reflexologist
- 80% coverage | up to $750 combined
Speech language pathologist / audiologist
- $80 per visit | up to $500 combined
- $800/ five policy years
- $800 per dependent child/three policy years
12-month waiting period
- $800/five policy years
- $800 per dependent child/three policy years
No waiting period
Not included
$800/four policy years
$1,000/four policy years
- Preferred accommodations
- In hospital drugs
- Maximum 30 days
Preferred Hospital Accommodation
- $1,000
Preferred Hospital Accommodation
- $2,000
Preferred Hospital Accommodation
- $3,000
Available as an optional benefit
- Under age 65: $100 per day, up to 50 consecutive days of hospitalization
- Age 65 and over: $100 per day, up to 30 consecutive days of hospitalization
Benefits begin on:
- 1st day of hospitalization due to an accident
- 4th day of hospitalization due to an illness
- 8th day of hospitalization due to maternity
Not included
$20 per day to a maximum of 20 days/per policy year
$20 per day to a maximum of 30 days/policy year
Coverage provides access to a variety of mental health and wellness supports. Homewood Health’s IAP provides confidential, professional services for a broad range of personal and family challenges by telephone, in person and online.
Not included
Not included
Not included
Not included
$50 per bra to a maximum of two bras per policy year
Coverage included under Prosthetic & medical appliances benefit
Combined maximum of $250
*Casts, compression garments, splints, holding chamber, nebulizers, trusses, rib belts, sacroiliac corsets, cervical collars, traction devices, shoulder immobilizers and stump socks.
Purchase or rental of a wheelchair and/or hospital bed: $500 lifetime maximum
Purchase or rental of a patient walker: $300 lifetime maximum
Purchase or rental of oxygen equipment: $500
Combined lifetime maximum: $1,500
Purchase of a wheelchair and/or hospital bed: 80% of purchase cost or 100% of rental cost to a lifetime maximum of $500
Purchase of a patient walker: 80% of the purchase cost or 100% of the rental cost to a lifetime maximum of $300
Purchase or rental of oxygen equipment: $500
Combined lifetime maximum: $1,500
Purchase or rental of a patient walker: $250/five policy years
Purchase or rental of a hospital bed: $1,000 lifetime maximum
Purchase or rental of oxygen equipment: $500
Purchase or rental of Positive Airway Pressure (PAP) Machine and Supplies: $350 combined maximum
Purchase or rental of a patient walker: $250/five policy years
Purchase of a wheelchair and/or motorized scooter: $1,500/three policy years
Purchase or rental of a hospital bed: $1,500 lifetime maximum
Purchase or rental of oxygen equipment: $500
Purchase or rental of Positive Airway Pressure (PAP) Machine and Supplies: $500 combined maximum
Purchase or rental of a patient walker: $250/five policy years
Purchase of a wheelchair and/or motorized scooter: $1,500/three policy years
Unlimited
Combined maximum: $250
- 80% coverage | up to $200
Not included
$300/two policy years
Unlimited
$500
Not included
$1,200
Lifetime maximum: $50,000 for pre-approved medical services
Not included
Not included
Not included
Unlimited
Not included
Not included
Not included
Available as an optional benefit
80% coverage | up to $1,500*
*Prescribed drugs listed in the Saskatchewan Prescription Drug Plan Formulary
- 70% coverage | up to $1,000*
Annual combined maximum includes:
- Exception Drug Status (EDS) medications
- Diabetic supplies
- Vaccines: $500
- Smoking cessation: $300 lifetime maximum
*Prescribed drugs listed in the Saskatchewan Prescription Drug Plan Formulary
- 75% coverage | up to $2,000*
Annual combined maximum includes:
- Exception Drug Status (EDS) medications
- Diabetic supplies
- Vaccines: $500
- Smoking cessation: $300 lifetime maximum
*Prescribed drugs listed in the Saskatchewan Prescription Drug Plan Formulary
- 80% coverage | up to $3,000*
- $6 deductible per eligible prescription
Annual combined maximum includes:
- Exception Drug Status (EDS) medications
- Diabetic supplies
- Vaccines: $500
- Smoking cessation: $300 lifetime maximum
*Prescribed drugs listed in the Saskatchewan Blue Cross Formulary
80% coverage | up to $5,000
80% coverage | up to $2,500
Not included
$2,500
$5,000
Artificial eyes, limbs, crutches, canes, casts, splints, metal braces (excluding dental splints and braces), aerochambers, nebulizers, trusses, rib belts, sacroiliac corsets, embolic stockings, cervical collars: Unlimited
Physician-prescribed Wigs: $250
Not included
Brace: 70% coverage | up to $750/two policy years
Prosthetics: $3,000 combined*/three policy years
*Purchase, repair, or replacement of prosthetic eyes, limbs and larynx
Physician-prescribed wigs and hairpieces: $500/two policy years
Compression stockings: Maximum of two pairs/policy year
Brace: 70% coverage | up to $750/two policy years
Prosthetics: $5,000 combined*/three policy years
*Purchase, repair, or replacement of prosthetic eyes, limbs and larynx
Physician-prescribed wigs and hairpieces: $500/two policy years
Compression stockings: Maximum of two pairs/policy year
Available as an optional benefit
- Up to 30 consecutive days per trip with no limit on the number of trips
- $5 million in emergency hospital and medical benefits
- $100,000 in air flight and common carrier accident insurance
- Up to $1000 for trip interruption
- Up to $1000 for baggage and personal effects
- Up to $1500 for meals and accommodations
- Up to 30 consecutive days per trip with no limit on the number of trips
- $5 million in emergency hospital and medical benefits
- $100,000 in air flight and common carrier accident insurance
- Up to $1000 for trip interruption
- Up to $1000 for baggage and personal effects
- Up to $1500 for meals and accommodations
- Up to 65 consecutive days per trip with no limit on the number of trips
- $5 million in emergency hospital and medical benefits
- $100,000 in air flight and common carrier accident insurance
- Up to $1000 for trip interruption
- Up to $1000 for baggage and personal effects
- Up to $1500 for meals and accommodations
Coverage provides access to virtual care services through Cleveland Clinic Express Care Online (ECO). ECO connects you with a Cleveland Clinic Canada nurse practitioner to receive a diagnosis and/or prescription for non-emergency medical conditions. You can seek virtual care support as often as needed.
- $100 for one eye examination in a 24-month period
- $150 for prescription eyewear or laser eye surgery in a 24-month period
- $75 for one eye examination in a 24-month period
- $100 for prescription eyewear in a 24-month period
- Combined: $150 for eye examination, prescription eyewear, or laser eye surgery in a 24-month period
- $75 for eye examination in a 24-month period
- $150 for prescription eyewear or laser eye surgery in a 24-month period
- $75 for eye examination per Policy Year.
- $250 for prescription eyewear or laser eye surgery in a 24-month period
After 3 Months
- Basic dental services: 75% coverage | up to $750
After 1 Year
- Basic dental services: 80% coverage
- Major dental services: 50% coverage
Combined maximum: $1,000
After 2+ Years:
- Basic dental services: 80% coverage
- Major dental services: 50% coverage
Combined maximum: $1,500
Dental waiting period: 3-month waiting period
After 3 Months
- Basic dental services: 80% coverage
- Major dental services: 50% coverage
Combined maximum: $1,500
Dental waiting period: 3-month waiting period*
*The 3-month waiting period will be waived provided the Insured had dental benefits under the previous employer benefits plan for 3 continuous months at the time of cancellation. If the waiting period is waived, coverage will continue uninterrupted based on the number of years dental benefits were held under the previous employer benefits plan.
Coverage included in core benefits
Basic dental services: 70% coverage | up to $750
Basic dental services: 75% coverage
Major dental services: 50% coverage
Combined maximum: $1,500
Basic dental services: 80% coverage
Major dental services: 50% coverage
Combined maximum: $2,000
Basic Dental Services include procedures such as: examinations, x-rays, tests, cleaning, filling, root canals, oral surgery, denture repairs, etc.
Major Dental Services include inlays, onlays, crowns, dentures, bridges, some orthodontic services.
Under age 65: $100 per day up to 50 consecutive days of hospitalization
Age 65 and over: $100 per day up to 30 consecutive days of hospitalization
Benefits begin on:
- 1st day of hospitalization due to an Accident
- 4th day of hospitalization due to an illness
- 8th day of hospitalization due to maternity
Coverage included in core benefits
Coverage included in core benefits
Not included
Coverage included in core benefits
Coverage included in core benefits
- 80% unlimited
- Pay Direct Card
For prescribed Drugs listed in the Saskatchewan Prescription Drug Plan Formulary
- 80% to $500 OR
- 80% to $1500
For prescribed Drugs listed in the Saskatchewan Prescription Drug Plan Formulary
Coverage included in core benefits
Required benefit under the Retiree plan
- Up to 30 consecutive days per trip with no limit on the number of trips
- $5 million in emergency hospital and medical benefits
- $100,000 in air flight and common carrier accident insurance
- Up to $1000 for trip interruption
- Up to $1000 for baggage and personal effects
- Up to $1500 for meals and accommodations
Coverage included in core benefits
Required benefit under the Retiree plan