OAMRS Health & Dental PLan

WHY GET HEALTH INSURANCE?

You don’t hesitate to insure your home, car, practice and other valuable possessions, so why wouldn’t you insure your most valuable asset — your health?

The OAMRS Health & Dental Plan starts where government coverage ends. Without a plan like this, you may have to pay 100% out of your own pocket for common health care expenses like prescription drugs, dental care, vision care, therapeutic services and more.

After researching many plans OAMRS selected the Manulife program as the best value for our Members. Please tell your co-workers about this exciting new program.

More choices to better fit your needs and budget

The OAMRS Health & Dental Plan has 5 different options for you to choose from — helping you find one that best suits your family’s individual needs and budget.

BASE HEALTH & DENTAL PLAN

Guaranteed to Issue (No Medical Information Is Required) †

† All applicants must complete Parts A, B, C and D, and section A.

† Prescription drug coverage applies to costs not covered by your provincial prescription drug insurance plan, up to the maximums stated above. †† Prescription drug coverage is based on Calendar Year for residents of British Columbia and Saskatchewan. For all other provinces, coverage is based on Anniversary Year. Generic Drug – A generally less expensive alternative to an interchangeable brand-name drug product. Please note: 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. Exclusions: smoking cessation drugs, over-the-counter drugs, fertility drugs, birth control drugs, erectile dysfunction drugs, and drugs not requiring a prescription. Other exclusions apply; please consult your policy for details.

DENTAL PLAN

Prescription drugs are not included.

All references to “year” refer to Anniversary Year. When it relates to Hearing Aids and Vision benefits, year refers to Benefit Year. Anniversary Year refers to the consecutive 12-month period following the effective date of your policy, and each 12-month period thereafter. Benefit Year refers to the consecutive 12-month period following the date a claim for a specific benefit is first incurred under your policy. Calendar Year means the 12-month period commencing January 1 and ending December 31. ‡ Note: If applicable, dental coverage begins at the age when dental coverage under your provincial health insurance plan coverage ends. ** Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable. *Manulife cannot guarantee the availability of this benefit indefinitely.