Group Health & Dental Plans
Group Health Plans
Designed to cover costs not paid by BC medical services. The following is a condensed list of some of the expenses that may be reimbursed by a group health plan:
| Prescription Drugs | Diabetic Supplies |
| Eyeglasses & Contact Lenses | Foot Orthotics |
| Ostomy Supplies | Wheelchairs |
| Ambulance Service | Oral Contraceptives |
| Hair Pieces | Hearing Aids |
| Chiropractors | Massage Therapists |
| Provincial User Fees | Out-of-Country Emergency Medical Insurance |
| Naturopaths | Physiotherapists |
| Psychologists/Social Workers | Podiatrists |
| Speech Thearpists | Acupuncturists |
| Dieticians |
The cost of Group Health Plans has increased dramatically in the past decade due to higher drug costs, increased utilization of benefits and provincial governments shifting costs of heath care to the individual and insurers. Plan administrators: please consider the demographics of the employee group before finalizing a plan decision so that only necessary benefits are included in the plan.
Group Dental Plans
Reimburse employees for dental expenses based on the coverage plan chosen by the employer.
There are three levels of dental coverage:
| Basic Preventative |
| The foundation on which the other levels are built.This first level covers the most frequently used treatment: examinations, x-rays, cleaning, scaling, fluoride treatment, fillings, extractions, denture repairs, etc., and may also include periodontal gum treatment and root canal therapy. Up to 100% of this treatment may be paid by the insurer. |
| Major Dental |
| Covers treatment such as crowns, bridges, dentures, etc. Although important to the individual, major dental is considered more cosmetic by the insurance company and coverage may only be 50% of treatment costs. Generally, a significant portion of the treatment costs will be borne by the individual. |
| Orthodontics |
| Usually the most expensive treatments performed to correct the teeth or bones in the jaw that are misaligned or have not developed properly. Usually there is a lifetime limit on how much can be claimed (i.e. $2,500) and claims are restricted to dependents under age 19. |
