CPMA BFF INDIPLAN
Our Sole Practitioner or Single Employee Option
Covers you for most medical and basic dental expenses without having to go through medical underwriting. If you have 2+ participants and want more benefits with higher coverage limits, consider our Enhanced or 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: $10,000
- Non-Evidence Maximum: $10,000
- Reduction Schedule: 50% at age 65
- Termination Age: 70
Dependant Life
- Waiting Period: 3 months for new hires
- Schedule: Spouse $10,000 Child $5000
Critical Illness
- Schedule: $10,000
** This is an optional add-on
Extended Health Care
- Waiting Period: 3 months for new hires
- Prescription Drugs: 80% – Nil deductible
- Pay-Direct Drug Card: Included – Mandatory Generics
- Drug Maximum: $2,500
- Major Medical: 100%
- Annual Deductible: None
- Drug Supply Limit: 30/100 day
- Hospitalization: 100% – Nil deductible – Private
- Paramedical Practitioners
- 80% – $300 per practitioner per year maximum
Covers the following:
- Acupuncturist, Chiropractor, Massage Therapist, Physiotherapist, Psychologist, Speech Therapist.
- Private Duty Nursing: $10,000
- Medical services and supplies
- Ambulance
- Dental Accidents
Diabetic Supplies - Diagnostic Services
Hearing Aids - Prosthetics
Out-of-Country/Province: 100% – Nil deductible - Maximum Duration: 90 Days
- Return of vehicle: $500
- Return of deceased: $3,000
- Lifetime Max: $2,000,000
- Travel Assistance: 100%
- Best Doctors
- Vision: 100%
- Eye Exam Only: 1 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: Call for info
- Major Restorative: Call for info
- Recall Frequency: 6 Mos Child, 12 Mos Adult
- Scaling & Rooting Units: 10 per year
- Fee Guide: Provincial
- Termination Age: 70
Additional Information
*** Cost can vary by province. Please fill in the form below for a custom quote.
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