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Plan Details

LINK 4 Elite

Guaranteed Acceptance

The LINK 4 Elite insurance plan provides the most extensive coverage of the LINK plans, including prescription drugs, dental care, vision care and extended health care benefits plus preferred hospital accommodation and emergency medical travel protection.

  • Guaranteed Acceptance

    No medical questions or exams. Yes, this plan even covers pre-existing conditions. Applying is quick and easy!

  • Prescription Drugs

    SureHealth plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered.

    Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.

    Prescription Drugs
    Maximums

    Pays 80% up to

    Year 1: $2,300

    Year 2: $2,400

    Year 3: $2,500

    Year 4+: $2,700 per person per year

  • Dental Care
    Overall Maximums

    Year 1: $1,000

    Year 2: $1,250

    Year 3+: $1,750 per person per year

    Recall Frequency

    6 months

    Basic Services

    Basic Services include coverage towards:

    • Preventative cleaning
    • Routine examinations, x-rays
    • Fillings and extractions
    • Flouride treatment for children

    Pays 80%, subject to annual maximum

    Comprehensive Basic Services

    Comprehensive Basic Services include coverage towards:

    • Endodontic treatment – root canal therapy
    • Periodontal treatment – scaling and root planning, occlusal adjustment, equilibration
    • Dentures repairs, rebasing, relining

    Pays 80%, subject to annual maximum

    Major Services

    Major Services include coverage towards:

    • Crowns and onlays
    • Dentures
    • Bridgework

    Available in Year 3: Pays 60%, subject to annual maximum

    Orthodontic Services

    Orthodontic Services include coverage towards:

    • Straightening teeth and correcting the bite

    Available in Year 3: Pays 60%, subject to a $2,000 lifetime orthodontics maximum

  • Vision Care
    Prescription eyeglasses, contact lenses, laser eye surgery

    Maximum:

    $300 per person every 2 years

    Eye Examination

    Maximum:

    $80 per person every 2 years

  • Extended Health Care
    Professional Services / Registered Therapists

    Chiropractor, Chiropodist / Podiatrist, Naturopath, Osteopath, Physiotherapist

    Maximums:

    $600 per person per practitioner, per year

    Up to $1,200 per person per year combined

     

    Massage Therapist, Acupuncturist

    Maximums:

    $30 per visit

    20 visits per person per practitioner, per year

     

    Psychologist / Registered Social Worker

    Maximum:

    $600 per person per year, combined

     

    Speech Therapist

    Maximum:

    $600 per person per year

    BEACON®† Online Mental Health Therapy Personalized cognitive behavioural therapy delivered digitally (iCBT). The BEACON Standard course includes an assessment and a dedicated therapist who tailors therapy, online exercises and activities, and is reachable via digital messaging on your mobile device. One Standard course (up to 12 weeks) per person per year.
    Accidental Dental

    Maximum:

    $10,000 per person per year

    Ambulance Transportation Includes land and air
    Hearing Aids

    Maximums:

    $600 per person every 4 years

    Medical Services

    Diagnostic tests and x-rays, dialysis equipment, laboratory tests

    Maximum:

    $2,000 per person per year

    Medical Items and Home Support Services (in-home nursing)

    Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

    Separate maximums for Medical Items and Home Support Services

    Maximums:

    $5,000 per person per benefit category, per year

     

    CPAP, BIPAP, APAP and/or AMP machines and supplies are eligible for coverage.

  • Travel
    Multi-Trip Emergency Medical Travel Coverage out-of-province or country

    Maximums:

    15 days per trip

    $5,000,000 per person per year

  • This benefit is automatically included at no-cost. It pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence.

     

    Maximums:

    $250 per person per day

    30 days per year

What's More

  • This plan is specially designed to cover pre-existing conditions you may have
  • Multi-trip emergency medical travel coverage (up to 15 days per trip)
  • Semi-private and/or private hospital accommodation is a benefit that’s automatically included. It’s added protection against the unexpected.
  • Dental coverage increases each year for the first three years to also include major services like crowns, bridge work and even orthodontics.
  • No waiting period! Once your application is approved, your coverage will begin on the first day of the following month
  • Get instant access to your benefits with the GSC pay-direct benefit card
  • File a claim, review your coverage and locate a nearby health practitioner from anywhere, any time with GSC on the GO®.