Plan Details
Health Questionnaire Required
The ZONE 5 Choice health insurance plan offers comprehensive coverage for prescription drugs and dental care, vision care, extended health care and emergency medical travel coverage. We’ll ask you to answer some health questions when you apply for this insurance plan, but we keep it as simple as possible.
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Health Questionnaire Required
Your application will be evaluated. If you are taking prescription medication on an ongoing basis when you apply, or if you have a pre-existing medical condition, you will receive an offer for coverage that excludes the medications you’re currently taking and those approved by Health Canada to prevent or treat the medical conditions.
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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 90% up to $5,000 per person per year
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Dental Care Overall Maximums Year 1: $700
Year 2: $900
Year 3+: $1,100 per person per year
Recall Frequency 9 months Basic Services Basic Services include coverage towards:
- Preventive 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 planing, occlusal adjustment, equilibration
- Denture repairs, rebasing, relining
Year 1: Pays 60%, subject to annual maximum
Year 2: Pays 70%, subject to annual maximum
Year 3+: Pays 80%, subject to annual maximum
Major Services Major Services include coverage towards:
- Crowns and onlays
- Dentures
- Bridgework
Available in Year 3: Pays 50%, subject to annual maximum Orthodontic Services Orthodontic Services include coverage towards:
- Straightening teeth and correcting the bite
Not included -
Vision Care Prescription eyeglasses, contact lenses, laser eye surgery Maximums:
Year 1-2: $150
Year 3-4: $200
Year 5+: $250 per person every 2 years
Eye Examination Maximum:
$100 per person every 2 years
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Extended Health Care Professional Services / Registered Therapists Chiropractor, Massage Therapist, Physiotherapist, Acupuncturist, Chiropodist / Podiatrist, Dietitian, Naturopath, Osteopath
Maximums:
$25 per visit
$500 per person per practitioner, per year
Speech Therapist
Maximum:
$500 per person per year
Mental Health Services Psychologist / Psychotherapist / Registered Social Worker
Maximum:
$500 per person per year, combined
Inkblot™† Therapy:
4 hours of virtual counselling (2 hours for individual therapy, 2 hours for couples therapy) per person per year; additional therapy is eligible for coverage under the Psychology benefit
Accidental Dental Maximum:
$10,000 per person per year
Ambulance Transportation Includes land and air Hearing Aids Maximum:
$500 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:
Year 1: $2,000
Year 2: $4,000
Year 3+: $6,000 per person per benefit category, per year
CPAP, BIPAP, APAP and/or AMP machines and supplies are eligible for coverage.
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Travel Multi-Trip Emergency Medical Travel Coverage out-of-province or country Maximums:
30 days per trip
$5,000,000 per person per year
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Optional benefit 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.
Maximum:
Up to 30 days per person per year
What's More
- Generous coverage for dental care that increases each year for the first three years and vision benefits that increase during the first five years
- Multi-trip emergency medical travel coverage (up to 30 days per trip)
- Add optional preferred hospital accommodation to increase your protection even more. It's your choice.
- 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 everywhere online services and the GSC everywhere mobile app.