Your DGC Benefits Plan provides you and your family with valuable, affordable mental and physical health coverage and financial protection if you experience an illness, injury or disability. In this section, we explain how the plan works and what’s covered under each level.
HEALTHCARE (INCLUDING DRUGS) WHO’S COVERED | Member & Family
|
|---|---|
REIMBURSEMENT
Unless otherwise stated below | 75% up to $100,000 maximum/person/year
|
PRESCRIPTION DRUGS
| 75% of the lowest priced alternative drug
100% after you have paid $1,000/person/year |
VISION CARE — EYE EXAMS
| 100% up to $100/person/24 months
|
VISION CARE — GLASSES, CONTACTS | 100% up to $400/person/24 months
|
VISION CARE — LASER EYE SURGERY | No coverage |
PSYCHOLOGY | 70% up to $3,000/person/year
|
PARAMEDICAL SERVICES | 65% up to $1,500/person/year for all services combined
|
AMBULANCE SERVICE | 70%
|
HOSPITAL | 100% semi-private
|
MEDICAL SERVICES AND SUPPLIES | 75% |
HEARING AIDS | $1,000/person/5 years
|
HOME NURSING CARE | $10,000 maximum/person/year
|
This is just a sample of the covered health and medical care expenses available to you under the health plan. See the healthcare page for a full list.
DENTAL CARE WHO’S COVERED | Member & Family
|
|---|---|
ANNUAL COMBINED MAXIMUM
| $1,500/person/year all dental combined
|
BASIC DENTAL | 70%
|
MAJOR RESTORATIVE | 50%
|
PERIODONTICS AND ENDODONTICS | 70%
|
ORTHODONTICS | No coverage
|
LIFE INSURANCE 
CRITICAL ILLNESS INSURANCE 
ACCIDENT INSURANCE (AD&D) 
SHORT-TERM DISABILITY Short-term disability is based on automatic coverage level and not available through upgrade purchase.
ENHANCED LIFE MEMBER
| No coverage |
|---|
EMERGENCY OUT-OF-PROVINCE/COUNTRY MEDICAL ENHANCED LIFE MEMBER
| 90-day trip limit
100%; up to $5 million/person/lifetime (up to $1 million/person if aged 70 – 79) Coverage ends at age 80 |
|---|
TELADOC MEDICAL EXPERTS Support to help you and your family access renowned specialists, resources, information and clinical guidance related to a physical or mental health condition.
ENHANCED LIFE MEMBER
| Covered
|
|---|
CONSULT+ ONLINE PHYSICAL AND MENTAL HEALTHCARE Includes unlimited 24/7 secure online access to Canadian healthcare professionals on demand, for diagnoses and advice, prescriptions (new/refills), lab/imaging orders, specialist referral.
ENHANCED LIFE MEMBER
| Covered |
|---|
MEMBER & FAMILY ASSISTANCE PLAN (MAP) Includes counselling and referral services for you and family, plus up to $10,000 of in/out-patient drug and/or alcohol addiction treatment for members only (lifetime maximum).
ENHANCED LIFE MEMBER
| Covered |
|---|
