Extended health care insurance

Give your wallet the gift of extended health care insurance

Extended health care (EHC) insurance for dental hygienists is like having a benefits plan. It can provide coverage to help cover your costs at the pharmacy, the optician, a paramedical appointment or if you have a stay in the hospital.

And, since you're a CDHA member, you get the advantage of group rates.

You'll use EHC coverage when you:

Need prescription drugs
Buy new glasses or contacts
Visit a massage therapist, physiotherapist or chiropractor
Have a stay in the hospital (where you'll want a semi-private or private room)

Why choose CDHA EHC insurance?

Quicker reimbursement thanks to online claims
Drug and travel coverage cards you carry on your smartphone
Group rates, thanks to your CDHA membership

You're eligible if you are:

A CDHA member in good standing (applies to first person covered)
Under the age of 60 for option 1 and under age 65 for option 2
A Canadian resident
Covered under their provincial health plan

Quebec residents must also have and continue to have health and drug coverage. This may be through a group benefit plan or through the Régie de l’assurance maladie du Québec (RAMQ). This policy doesn’t cover EHC for a person without a group plan or RAMQ coverage.

Meet the criteria? You can get EHC insurance for:

You
Couple (You + spouse)
Single + 1 (You + child)
Family (You + spouse + all dependant children)

What are the coverage options?

You can find out more in your plan brochure, but here is a summary showing coverage per family member covered:

	Option 1 (included in the bundled plan)	Option 2 (available for purchase independently)
Evidence of good health	No medical underwriting	Medical underwriting required
Prescription drugs¹	80% of eligible expenses up to a plan year maximum of $1,000 per covered person	80% of eligible expenses up to a plan year maximum of $10,000 per covered person
Vaccines	Up to $200 per covered person per plan year	Up to $250 per covered person per plan year
Paramedical	80% of eligible expenses up to a plan year combined maximum of $500 per covered person	80% of eligible expenses up to a plan year combined maximum of $1,000 per covered person
Covered paramedical services	Massage therapy Physiotherapy Psychologist	Massage therapy Physiotherapy Psychologist Speech therapy Naturopath Dieticians Occupational therapy Osteopath Chiropractors Acupuncturist Podiatrist / Chiropodist
Vision	Not covered	100% of eligible expenses up to a plan maximum of $250 per covered person in a 24-month period.
Eye exam	Not covered	100% of eligible expenses up to a plan maximum of $100 per covered person in a 24-month period.
Medical services and equipment	100% of eligible expenses up to a plan year maximum: $3,000 per covered person	100% of eligible expenses up to a plan year maximum: $10,000 per covered person
Hospitalization Excludes convalescent hospitalization	100% of eligible costs for a semi-private room; Maximum per day: $75 in-patient overnight stay plan year maximum: $10,000 per covered person	100% of eligible costs for a semi-private room; Maximum per day: $100 in-patient overnight stay plan year maximum: $20,000 per covered person
Emergency out of province Covered for medical expenses due to a medical emergency while travelling outside your home province, but within Canada.	Covered services: Semi-private hospital room Out-patient services Other hospital services Doctors services Coinsurance: 100% Trip duration: up to a maximum of 30 days after leaving the province Travel assistance
Emergency out of country (outside of Canada)	Lifetime maximum: $2 million per covered person Coinsurance: 100% Maximum per trip: $1 million	Lifetime maximum: $2 million per covered person Coinsurance: 100% Maximum per trip: $1 million

Get a quick online quote

To help you determine your monthly premium, use our easy-to-use free online quote tool.

Exclusions:

Securian Canada will not issue payment if there is a loss due to one or more of the following:

Declared or undeclared war, insurrection or rebellion
Voluntary participation in a riot or act of civil disobedience
Committing or attempting to commit a criminal offence
Missed or cancelled appointments
Examinations or services required solely for use by a third-party
Travel to and from appointments
Experimental (in the opinion of Securian Canada’s medical consultant) care services or supplies
Services that wouldn’t be charged if you didn’t have this coverage or for which the person covered is not legally obligated to pay
Dental treatment except for specified dental injuries
Items for personal comfort or for use in connection with sports or other recreational activities
Appliances, restorations or treatment procedures related to temporomandibular joint dysfunction
Care, services or supplies available under Workers’ Compensation
Care, services or supplies obtained outside Canada

More details are in the plan brochure.

Learn more

Questions?

Call us at 1-877-363-2773
Mon to Fri 8 a.m. to 8 p.m. ET

1. Charges in excess of the lowest priced equivalent drug are not covered unless specifically approved by Securian Canada. To assess the medical necessity of a higher priced drug, Securian Canada will require you, your spouse, or your dependant child and the attending physician to complete and submit an exception form.