What's included in your Chambers of Commerce Group Insurance Plan?

Extended Health Care Benefits: 

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Group health care plans can help your employees and their families pay for necessary medical expenses that aren't covered by their provincial health care plan. 

The Chamber's Plan covers between 50% - 100% of eligible costs, including vision care, prescription drugs, and paramedical services. 

Prescription Drug Plan: 

The Chambers Plan provides a drug card with each benefit package; this allows for immediate reimbursement and prevents your employees from having to pay out of pocket expenses. 

Paramedical Practitioners: 

Paramedical services are covered with maximums of $250 - $600 per person per year based on the type of plan that you choose. Some of the covered services include: 

  • Physiotherapy 
  • Speech therapy 
  • Osteopaths
  • Naturopaths 
  • Chiropractic
  • Podiatrist and Chiropodist
  • Massage therapist 
  • Acupuncture

Medical Equipment: 

  • Up to $25,000 per person for home nursing are
  • Emergency group or air ambulance 
  • Up to $700 per person for hearing aids 

Vision Care

  • Glasses, Contacts, Eye Surgery
  • Up to $200 per person every 2 years for adults and every 1 year for children 

Generic vs Brand Name Drugs

If your company has chosen a prescription drug card health option, you must present your card at the pharmacy at the time of purchase and pay your portion of the expense. 

To ensure that your prescription is covered up to the full cost of a brand name drug, your physician must indicate no substitution on your prescription. Otherwise, if you are buying a brand name drug, you may only be paid up to the cost of its generic equivalent. 

If you do not present your Drug Card at the time of purchase, the pharmacy will not be able to tell you how much of your prescription will be covered by your insurance. 

It is imperative that you present your drug card at the time of purchase.