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No matter what stage you're at, CAA has a Health and Dental plan that's right for you.

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How our plans are built?

Option 1

EHC Great for those who do not want drug or dental coverage.

Option 1

EHC Great for those who do not want drug or dental coverage.

Option 2

EHC + Dental 1 A great plan to help cover the occasional dental visit and health care expenses.

Option 1

EHC + Dental 2 An affordable option for those who seek dental protection.

Option 2

EHC + Dental 2 An affordable option for those who seek dental protection.

Option 1

EHC + Drug 1 + Dental 1 A great plan for occasional prescriptions and dental visits.

Option 1

EHC + Drug 1 + Dental 1 A great plan for occasional prescriptions and dental visits.

Option 2

EHC + Drug 1 + Dental 2 Great for basic prescriptions and enhanced dental services.

Option 3

EHC + Drug 2 + Dental 2 Providing you with the added protection you want.

Option 2

EEHC + Drug 3 + Dental 2 Providing maximum drug coverage with enhanced EHC and Dental.

Option 3

EEHC + Drug 3 + Dental 3 Our maximum protection plan.

Option 1

EHC + Drug 1 + Dental 1 A great plan for occasional prescriptions and dental visits.

Option 2

EEHC + Drug 3 + Dental 2 Providing maximum drug coverage with enhanced EHC and Dental.

Option 3

EEHC + Drug 3 + Dental 3 Our maximum protection plan.

FollowMe Health

With FollowMe Health, you can maintain many of the same type of health benefits that you enjoyed under your group health plan period. Your acceptance is guaranteed – as long as you apply withing 60-days of your group coverage ending – and meet the eligibility requirements.

All four FollowMe plans include drug coverage. Two of the plans offer dental care coverage as well. Each plan also includes vision care, hospital accommodation and a wide variety of extended health care benefits, such as registered specialists and therapists, accidental dental, hearing aids, homecare and nursing, Health Service Navigator®, and more.

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What's best for me

Single or newly married?

When you're just starting out, CAA insurance can help protect the financial well-being of you and your loved ones, your dreams for the future and the life you are building.

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Married, young family, own a home

As your financial obligations grow during these busy years, CAA insurance can help you protect your lifestyle, your home and the financial future of your growing family.

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Married, children in college, mortgage

As you move through life and your assets grow, CAA insurance can help protect the dreams you have for your children and the lifestyle you've worked so hard to build.

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Looking for guaranteed approval?

If you're having difficulty obtaining affordable coverage because of your age or health, CAA insurance can help give you and your loved ones an extra measure of security.

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If you become seriously ill

If you are diagnosed with a serious health challenge, CAA insurance can help replace lost income, cover health care costs and protect your assets while you are recovering.

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Leaving a group plan?

If your group insurance coverage through your employer is ending, CAA insurance gives you an easy, convenient way to help ensure that your loved ones' financial protection will continue uninterrupted.

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Lifetime Maximum

$250,000

Excludes Vision Care, Accidental Death & Dismemberment and Hospital benefits.

Registered Specialists and Therapists

Helps cover visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, and Physiotherapists.

Maximum claims paid per each paramedical service:

Year 1 & 2: $300/year
Year 3+: $400/year

Maximum per visit: $20
Maximum/year for chiropractic x-rays: $35

Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

Registered Specialists and Therapists - Psychologist

Helps cover the cost of visits to Psychologists.

Maximum per first visit: $80
Maximum for subsequent visit: $60
Maximum visits/year: 10

Registered Specialists and Therapists - Speech Therapist

Helps cover the cost of visits to Speech Therapists.

Maximum per first visit: $65
Maximum for subsequent visit: $40
Maximum visits/year: 10 (15 for Seniors)

Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment

Helps cover the cost of registered health professional services. *

The following items are included:

  • Surgical bandages and dressings
  • Purchase or rental of medically necessary equipment, such as:
    • crutches
    • hospital beds
    • non-electric wheelchairs
    • oxygen
    • artificial limbs, eyes, splints, casts and external breast prostheses following mastectomies

Maximum:

Year 1: $1,000 (Seniors: $1,100)
Year 2: $1,300 (Seniors: $1,500)
Year 3: $1,500 (Seniors: $1,700)
Year 4: $2,000 (Seniors: $2,500)
Year 5+: $3,000/year (Seniors: $3,500/year)

*Registered health professionals include: Registered Nurses, Registered Practical Nurses, Licensed Practical Nurses, Personal Support Workers, Occupational Therapists or Registered Dietitians.

Orthotics

Custom-made orthotics: $225 maximum per person per anniversary year.

Vision Care

Helps cover the costs toward the purchase of prescription lenses and frames, contact lenses or laser eye surgery. This benefit does not include industrial safety glasses.

Maximum per 2 years:

Year 1 & 2: $100
Year 3 & 4: $150
Year 5+: $200

Optometrist Visit (where not covered by government health insurance plan): $50 per 2 years

Preferred Vision and hearing Services (PVS): Take advantage of discounts available through a specific network of providers and retailers across Canada. You can save up to 20% on eyewear purchases made at participating optical retailers, which include lenses, frames and contact lenses, depending on where you shop. PVS discounts are also available for laser eye surgery. The complete listing of participating retailers and practitioners can be found online or by phone.*

*Preferred Vision & Hearing Services (PVS) is offered through The Manufacturers Life Insurance Company. The insurer cannot guarantee the availability of this benefit indefinitely

Hearing Aids

Helps cover the cost to purchase and/or repair.

Maximum for every 4 years:

Year 1-4: $400 (Seniors: $500)
Year 5+: $450 (Seniors: $600)

Preferred Vision & Hearing Services (PVS) discounts offer the added advantage of a 10% deduction, depending on the province of residence and hearing practitioner participation in the PVS network.

Accidental Dental Services

Helps cover the cost of dental treatment required as a result of an accidental blow to the head or mouth when treatment is sought within 90 days 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/year

Accidental Death & 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 5+: $10,000

Ambulance Services

Helps cover the cost of hospital trips in a licensed ambulance as well as charges up to the amount between what your provincial health plan covers and what is reasonable and customary.

Unlimited air and ground transportation

Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

Health Service Navigator®

With Health Service Navigator (HSN), you can get quick and easy answers to your questions and gain access to support services on the web or with a simple call to a dedicated toll-free line. HSN allows you to receive information, and provides medical coordination services and resources on how to navigate the Canadian health care system. And if you want a second opinion from a world-class hospital, HSN will help you get it.*

* The insurer cannot guarantee the availability of this benefit indefinitely Covered.

Survivor Benefit

Premiums will be waived for 1 year following the death of an adult Insured. This benefit will be available 1 year after the effective date* of the policy.

Covered.

*The date when insurance coverage begins.

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 $150/day ($200/day for residents of Ontario).

$50 per day if a preferred room is not obtainable from first day (up to $1,200 per year).

Available with Drug 2 and Drug 3 plans.

Not Included In The Basic EHC Plan:

Lifetime Maximum

$250,000

Excludes Vision Care, Accidental Death & Dismemberment and Hospital benefits.

Lifetime Maximum

$350,000

Excludes Vision Care, Accidental Death & Dismemberment and Hospital benefits.

Registered Specialists and Therapists

Helps cover the cost of visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, and Physiotherapists.

Combined yearly maximums of:

Year 1 & 2: $750
Year 3 & 4: $800
Year 5+: $850

Maximum/year for chiropractic x-rays: $35

Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

Registered Specialists and Therapists - Psychologist

Helps cover the cost of visits to Psychologists.

Maximum per first visit: $80
Maximum for subsequent visit: $60
Maximum visits/year: 12

Registered Specialists and Therapists - Speech Therapist

Helps cover the cost of visits to Speech Therapists.

Maximum per first visit: $65
Maximum for subsequent visit: $40
Maximum visits/year: 12 (15 for Seniors)

Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment

Helps cover the cost of registered health professional services. *

The following items are included:

  • Surgical bandages and dressings
  • Purchase or rental of medically necessary equipment, such as:
    • crutches
    • hospital beds
    • non-electric wheelchairs
    • oxygen
    • artificial limbs, eyes, splints, casts and external breast prostheses following mastectomies

Combined yearly maximums of:

Year 1: $8,500 (Seniors: $9,000)
Year 2: $9,000 (Seniors: $9,500)
Year 3+: $9,500/year (Seniors: $10,000/year)

*Registered health professionals include: Registered Nurse, Registered Practical Nurse, Certified Home Support Worker, Occupational Therapist or Registered Dietitian

Orthotics

Custom-made orthotics: $225 maximum per person per anniversary year.

Vision Care

Helps cover the costs toward the purchase of prescription lenses and frames, contact lenses or laser eye surgery. This benefit does not include industrial safety glasses.

Maximum per 2 years:

Year 1 & 2: $300
Year 3 & 4: $350
Year 5+: $400

Optometrist Visit (where not covered by government health insurance plan): $50 per 2 years

Preferred Vision and hearing Services (PVS): Take advantage of discounts available through a specific network of providers and retailers across Canada. You can save up to 20% on eyewear purchases made at participating optical retailers, which include lenses, frames and contact lenses, depending on where you shop. PVS discounts are also available for laser eye surgery. The complete listing of participating retailers and practitioners can be found online or by phone.*

*Preferred Vision & Hearing Services (PVS) is offered through The Manufacturers Life Insurance Company. The insurer cannot guarantee the availability of this benefit indefinitely.

Hearing Aids

Helps cover the cost to purchase and/or repair up to the allowed maximum.

Maximum for every 4 years:

Year 1-4: $500 (Seniors: $600)
Year 5+: $600 (Seniors: $700)

Preferred Vision & Hearing Services (PVS) discounts offer the added advantage of a 10% deduction, depending on the province of residence and hearing practitioner participation in the PVS network.

Accidental Dental Services

Helps cover dental treatment* required as a result of an accidental blow to the head or mouth when treatment is sought within 90 days 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/year

*Treatment must be sought within the 90-day period following the accident.

Accidental Death & 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: $20,000
Year 2: $30,000
Year 3: $40,000
Year 4: $50,000
Year 5+: $75,000

Maximum payment for children and Seniors:

Year 1: $10,000
Year 2: $15,000
Year 3: $20,000
Year 4: $25,000
Year 5+: $37,500

Ambulance Services

Helps cover your hospital trip in a licensed ambulance as well as charges up to the amount between what your provincial health plan covers and what is reasonable and customary.

Unlimited air and ground transportation

Benefits are only payable after yearly maximum allowed under your provincial health insurance plan has been reached, if applicable.

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.

Covered - 2 years per lifetime

Health Service Navigator®

With Health Service Navigator (HSN), you can get quick and easy answers to your questions and gain access to support services on the web or with a simple call to a dedicated toll-free line. HSN allows you to receive information, and provides medical coordination services and resources on how to navigate the Canadian health care system. And if you want a second opinion from a world-class hospital, HSN will help you get it.*

* Manulife cannot guarantee its availability. Reasonable efforts will be made to provide a similar benefit if necessary.

Covered.

Survivor Benefit

Premiums will be waived for 1 year following the death of an adult Insured.

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 $150/day ($200/day for residents of Ontario).

$50 per day if a preferred room is not obtainable from first day (up to $1,200 per year).

Available with Drug 2 and Drug 3 plans.

Prescription Drugs - Drug Coverage*

Drug 1

Helps cover 70% of expenses for eligible generic drugs** to a maximum of $500/year:

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, birth control and/or fertility drugs, and drugs not requiring a prescription are not covered under Drug Plans 1 and 2.

** Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price can be made at the co-payment level of your plan.

Prescription Drugs - Seniors' Drug Coverage*

Drug 1

100% coverage for eligible generic drugs** to a maximum of $400/year.

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, birth control, fertility drugs, and drugs not requiring a prescription are not covered under Drug Plans 1 and 2.

** Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.

Prescription Drugs - Shared Dispensing Fee

Drug 1

$6.50 per prescription

Prescription Drugs - Drug Coverage*

Drug 2

Helps cover 75% of expenses for eligible generic drugs** to a maximum of $5,000/year

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, birth control and/or fertility drugs, and drugs not requiring a prescription are not covered under Drug Plans 1 and 2.

** Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price can be made at the co-payment level of your plan.

Prescription Drugs - Seniors' Drug Coverage*

Drug 2

100% of the first $500 for eligible generic drugs**; 75% of the next $4,500

Total benefits payable: $3,875/year.

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, birth control, fertility drugs, and drugs not requiring a prescription are not covered under Drug Plan 1 and 2.

** Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.

Prescription Drugs - Shared Dispensing Fee

Drug 2

Full coverage of reasonable and customary dispensing fees.

Prescription Drugs - Drug Coverage*

Drug 3

Helps cover 90% of expenses for eligible brand-name or generic drugs to a maximum of $10,000 per year:

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, and drugs not requiring a prescription are not covered.

Prescription Drugs - Seniors' Drug Coverage*

Drug 3

100% of the first $500 for eligible generic drugs; 90% of the next $9,500.

Total benefits payable: $9,050/year.

* Smoking cessation drugs, over-the-counter drugs, erectile dysfunction drugs, and drugs not requiring a prescription are not covered.

Prescription Drugs - Shared Dispensing Fee

Drug 3

Full coverage of reasonable and customary dispensing fees.

Dental Services - Ongoing Maintenance

Dental 1

Helps cover basic services such as examinations, fillings and cleanings, x-rays, select extractions, diagnostic and preventative services, pit and fissure sealant, restorations, scaling and root planing.

Helps cover 70% of eligible expenses with anniversary year maximums of:

Year 1: $400
Year 2: $550
Year 3+: $700/year

Dental Services - Specialized

Only available with Dental 2 and 3

Dental Services - Ongoing Maintenance

Dental 2

Helps cover basic services such as examinations, fillings and cleanings, x-rays, select extractions, diagnostic and preventative services, pit and fissure sealant, restorations, scaling and root planing.

Helps cover 80% of eligible expenses with anniversary year maximums of:

Year 1: $600
Year 2: $700
Year 3+: $900/year

Dental Services - Specialized

Dental 2

Helps covers the cost of oral surgery, endodontic services, periodontal services, adjunctive services, space maintainers, denture repair/reline/rebase/adjustments, anesthesia, and surgical services.

Helps cover 60% of eligible expenses, included in the total dental services (combined Ongoing Maintenance and Specialized) anniversary year maximums of:

Year 1: $600
Year 2: $700
Year 3+: $900/year

Dental Services - Ongoing Maintenance

Dental 3

Helps cover the cost of basic services such as examinations, fillings and cleanings, x-rays, select extractions, diagnostic and preventative services, pit and fissure sealant, restorations, scaling and root planing.

Helps cover 80% of expenses in year 1 and subsequent years for Ongoing Maintenance services; for examinations, diagnostic services and scalings only, 80% in year 1 and 100% in subsequent years. Anniversary year maximums for combined total eligible dental services (Ongoing Maintenance, Specialized and Major Restorative) are:

Year 1: $750
Year 2: $900
Year 3+: $1,200/year

Dental Services - Specialized

Dental 3

Helps cover the cost of oral surgery, endodontic services, periodontal services, adjunctive services, space maintainers, denture repair/reline/rebase/adjustments, anesthesia, and surgical services.

Helps cover 60% of expenses in years 1 and 2 and 80% of expenses in subsequent years. Anniversary year maximums for combined total eligible dental services (Ongoing Maintenance, Specialized and Major Restorative) are:

Year 1: $750
Year 2: $900
Year 3+: $1,200/year

Dental Services - Major Restorative

Dental 3

Helps cover the cost of dentures (including premium dentures*), orthodontics, crowns (including bonded crowns*), and bridges.

Helps cover 60% of expenses beginning in 3rd year; included in anniversary year maximums for combined total eligible dental services (Ongoing Maintenance, Specialized and Major Restorative). In addition, Major Restorative has a maximum of $750 for every 3-year period.

* While premium dentures and crowns are eligible for reimbursement, the reimbursement amount will be based on the cost of standard dentures and crowns.

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