Choosing your Coverage Option
Please select your desired level of health care coverage from one of the four options provided. If you click on the information icon beside the option, a brief description of each option is displayed.
When choosing your health care option keep in mind that you cannot decline coverage (No Coverage – Opt Out) unless you have coverage elsewhere. If your spouse does not have similar coverage under another plan, you should choose coverage that provides sufficient coverage for you and your family.
Category Definitions
The category section defines your coverage status under the health benefit and is defined as follows;
- single – you alone
- single +1 – you and one eligible dependent, either spouse or child
- family – you and two or more dependents
Termination of Coverage
Your health care coverage ends on the earlier of retirement, termination of employment or age 70.
Important Note
Your selected coverage option will be locked in until January 1, 2022 unless you have a qualifying life event.
The following qualify as a life event:
- marriage
- common law relationship attaining 12 month co-habitation period
- divorce or legal separation
- birth/adoption of child
- death of a dependent (spouse or child)
- loss of spouse's coverage
Drug Coverage
Lowest Cost Interchangeable Drugs
The FlexLife plan will reimburse to the lowest cost interchangeable drug, regardless of whether your physician indicates the prescribed drug cannot be substituted.
If you have an adverse reaction to the interchangeable drug, reimbursement of the brand name drug may be requested by completing Medavie Blue Cross' request for brand name drug form accessible through the plan member site.
Silver Fox Pharmacy – Not Applicable in Quebec
You can maximize your prescription drug coverage by utilizing Lifemark's preferred providers Silver Fox Pharmacy. Regardless of your FlexLife health care option, your prescription drug costs are covered at 100% and the cost of the dispensing fee is fully covered.
Special note to Quebec members
FlexLife is administered in accordance with the Act Respecting Prescription Drug Insurance (“the Act”) in relation to Quebec participants, including the Act's provisions with respect to maximum coinsurance, out-of-pocket maximums, eligible drugs and exception drugs. Under no circumstances will the expenses not reimbursed by the plan provision of this benefit render Drug Benefits for Quebec participants less generous than the basic prescription drug insurance plan established by the Act.
If, in any calendar year, a Quebec participant spends more on eligible drugs than the maximum contribution amount established by the RAMQ, the amounts in excess of the maximum contribution amount will be reimbursed at a rate of 100%. The Quebec participant's contribution amount includes the deductible and co-payment, if applicable, for you and your dependents.
Paramedical Practitioner (Enhanced and Premium Options Only)
The following paramedical practitioners are covered under the enhanced and premium health care options. The core option does not cover paramedical practitioners.
Covered practitioners include; acupuncture, chiropodist/podiatrist, chiropractor, massage therapist, naturopath, occupational therapist, osteopath, physiotherapy (Lifemark provider only), psychologist, speech therapist.
Medical Services & Supplies
Includes but is not limited to ambulance transportation, breathing apparatus, diabetic equipment, diagnostic testing, compression hose, medical equipment rental, etc.
Out of Country Coverage
Emergency out of country medical coverage is provided under all FlexLife Health Care options to a maximum of $2,000,000 per incident and a trip duration of 60 days.
For more information regarding your health care coverage please refer to your FlexLife Benefits Guide and your Medavie Blue Cross benefits booklet.
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