CPMA BFF Enhanced plan
Our Value Plan
The CPMA BFF Enhanced Plan is our Value plan. Higher drug coverage, More paramedical practitioners and Major Dental are included in this program. If you want a lower-cost option that covers most expenses consider our CPMA BFF Enhanced Plan. If you want even higher coverage levels including, consider our SUPERPLAN.
No medical health questionnaire
No mandatory waiting periods
No deductible or dispensing fees
No enrollment or membership fees
No exclusions on pre-existing conditions Except for travel cover
Guaranteed acceptance and renewability
Includes life insurance and AD&D
Direct bill for drugs and dental
You should consider this plan if:
- Owner Operator of a small business
- Self-employed Individual
- You don’t have health benefits or you’re losing your group coverage.
- You have a pre-existing condition.
- You want a plan that helps you budget medical and basic dental expenses.
Life insurance & AD&D
- Waiting Period: 3 months for new hires
- Schedule: $25,000
- Reduction Schedule: 50% at age 65
- Non-Evidence Maximum: $25,000
- Termination Age: 70
Dependant Life
- Waiting Period: 3 months for new hires
- Schedule: $5,000 spouse and $2,500 child
Critical Illness
- Waiting Period: 3 months for new hires
- Schedule: $25,000
- Covered conditions
- Heart Attack •Loss of Speech •Aortic Surgery •Coronary Artery Bypass Surgery •Severe Burns •Benign Brain Tumour •Stroke •Deafness •Heart Valve Replacement •Life Threatening Cancer•Coma •Loss of Independent Existence •Kidney Failure •Loss of Limbs •Major Organ Transplants •Motor Neuron Disease •Parkinson’s Disease •Occupational HIV •Alzheimer’s Disease •Aplastic Anemia •Multiple Sclerosis •Bacterial Meningitis •Paralysis •Blindness
Extended Health Care
- Waiting Period: 3 months for new hires
- Prescription Drugs: 80% – Nil deductible
- Pay-Direct Drug Card: Included – Mandatory Generics
- Drug Maximum: $5,000
- Fertility Drugs: Not included
- Smoking cessations: Not included
- Vaccines: Not included
- Major Medical: 100%
- Annual Deductible: None
- Drug Supply Limit: 30/100 day
- Hospitalization: 100% – Nil deductible – Semi-Private
- Convalescent Hospital: 100% – Nil deductible – Semi-Private
- Paramedical Practitioners
- 80% – $300 per practitioner per year maximum
- Acupuncturist, Audiologist, Chiropractor, Dietician, Massage Therapist, Naturopath, Osteopath, Occupational Therapist, Physiotherapist, Psychologist, Speech Therapist
- Medical services and supplies
- Ambulance
- Dental Accidents
- Diabetic Supplies
- Diagnostic Services
- Prosthetics
- Elastic or pressure stockings: Max $400 per year
- Hearing Aids: $500 every 5 years
- Private Duty Nursing: $10,000 per year
- Out-of-Country/Province: 100% – Nil deductible – Referral 50%, Nil deductible
- Maximum Duration: 60 consecutive days
- Lifetime Max: $5,000,000
- Travel Assistance: 100%
- Return of vehicle: $1,000
- Meals and Accommodations: $2,000
- Return of deceased: $5,000
- Termination Age: 70
- Best Doctors
- Vision: 80% co-insurance
Eye Exam: 1 every 24 months Reasonable and Customary
Contact lenses, glasses, laser surgery: Up to $300 every 24 months
Dental Care
- Waiting Period: 3 months for new hires
- Annual Deductible: None
- Basic & Preventative: 80% to combined max of $1,000
- Endodontic and Periodontics: 80% to combined max of $1,000
- Dentures: 50% to combined max of $1,000
- Major Restorative: 50% to combined max of $1,000
- Recall Frequency: 6 months
- Scaling & Rooting Units: 8 per year
- Fee Guide: Provincial
- Termination Age: 70
Additional Information
- Large amount Pooling: $10,000 per person
- Survivor Benefits: 24 months
*** Cost can vary by Demographics. Please fill in the form below for a custom quote.
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