Desjardins Financial Security

SOLO HealthCare

Benefits

Health Plus (Basic Plan)

Health Plus (Enhanced Plan)

Medical & Paramedical Services

Combined Maximum: $250,000 for the life of the contract

Combined Maximum: $350,000 for the life of the contract

 Registered Massage Therapist, Acupuncturist

$20 maximum per visit, and up to a $400 maximum per person per year for all these services combined

600 for all these services combined

Chiropractor, Homeopath, Naturopath, Osteopath, Orthotherapist, Podiatrist, Chiropodist

$20 maximum per visit, up to a $400 per year per insured person per specialty

$30 maximum per visit, up to a $600 per year per insured person per specialty

Physiotherapist

$25 maximum per visit, up to a $250 per year per insured person

$35 maximum per visit, up to a $350 per year per insured person

Speech Therapist, Hearing Therapist

$40 maximum per visit, up to a $400 per year per insured person for all  these services combined

$500 for all these consultations combined

Psychologist, Physiatrist, Career coach, Family and Couple Therapist, Social Worker

$80 maximum for the first visit and $65 for subsequent visits, up to a $400 per year, per insured person for all these services combined

Reimbursements at 80%
$500 per year, per insured person for all these services combined

Accidental Dental

$1,000 maximum per accident per insured person

$2,000 maximum per accident per insured person

Ambulance Services

$2,000 per year, per insured person

$4,000 per year per insured person

Durable Medical Equipment and Orthopedic Devices

$2,000 per year, per insured person for all these services combined

 $2,500 per year, per insured person for all these services combined

Prostheses and Orthopedic appliances

$2,000 per year, per insured person for all these services combined

$4,000 per year, per insured person for all these services combined

Orthopedic Shoes and Foot Orthotics

$200 per year per insured person

$250 per year per insured person

Hearing Aids

$300 per 36 months, per insured person

$500 per 36 months, per insured person

Home Nursing Care, Occupational Therapy

$2,500 per year per insured person

$5,000 per year per insured person

Lab tests:
Blood tests (including PSA), Urinalyses,
Throat swabs

$100

 X-ray (including Pet scans),

 Ultra-sound,

MRI,

CT scans

$500 per year per insured person for all these services combined

$500 per year, per insured person for all these services combined

Travel Insurance

First 30 days per trip

90 days per year

$5,000,000 per insured person

First 30 days per trip

90 days per year

$5,000,000 per insured person

Vision Care
 

$150 for glasses, lenses, laser eye surgery and $50 for consultation with an optometrist every 2 years per insured person

$250 for glasses, lenses, laser eye surgery and $70 for consultation with an optometrist every 2 years per insured person

Hospitalization

No limit on number of days

Dental Benefit (Basic Plan)

1) Preventive Services

Period

Reimbursement percentage

Max benefit per person per year

Complete oral examination,

Complete set of radiograph and panoramic radiograph

Once every 36 months

80%

$700 for all these services combined

Recall examination,

Cleaning (scaling and polishing,

Topical application of fluoride ( for dependents age 15 and younger)

Once every 9 months

2) Basic Care

Reimbursement percentage

Metal Fillings (Amalgam restorations),

Non-metallic fillings (Composite resin restorations),

Periodontal curettage and root planning (deep scaling under the gum),

Extractions of erupted teeth (uncomplicated),

Extraction of residual roots

Emergency care out of Canada

50%

Dental Benefit (Enhanced Plan)

1) Preventive Care

Period

Reimbursement percentage

Max benefit per person per year

Complete oral examination,

Complete set of radiograph and panoramic radiograph

Once every 24 months

100%

• $750 for the first year

• $750 for the second  year

• $1,000 as of the third year

Recall examination,

Cleaning (scaling and polishing),

Topical application of fluoride ( for dependents age 15 and younger)

Once every 6 months

2) Basic Care

Reimbursement percentage

Metal Fillings (Amalgam restorations),

Non-metallic fillings (Composite resin restorations),

Periodontal curettage and root planning (deep scaling under the gum),

Extractions of erupted teeth (uncomplicated),

Extraction of residual roots,

Emergency care out of Canada

60%

3) Major Care

Reimbursement percentage

Max benefit per person per year

Root canal treatment,

Gingival graft,

Appliance (occlusal guard for bruxism (grinding of the teeth),

Extractions of erupted teeth (with complication),

Extraction of unerupted teeth (inside gum, such as wisdom teeth),

Removable prosthodontics,

Fixed prosthodontics (bridges),

Recovery, veneer, inlays and crowns (including CEREC technology)

60%

As of the 3rd year,

$ 500 per year

4) Orthodontics Care

Reimbursement percentage

60%