We all need protection...

For ourselves and for our families. But finding flexible, affordable coverage can be time-consuming and frustrating until now.

The CPSA offers members and their families one of the most comprehensive selections of group insurance coverage available - at a price that's hard to beat.

This program is for you. It will help you look after the most important things in life - your health, your family and your income.

Whether you need a little or a lot - we've got you covered!

Overview

The CPSA Health Care Plan begins where your provincial plan ends. Your provincial plan covers basic benefits such as hospital ward accommodation, physician fees and any drugs or blood products you may need while in the hospital. The CPSA Health Care Plan takes over from there.

You have two options from which to choose: Basic or Deluxe.

Preferred Vision Services

You can receive discounts on prescription eyewear products when you purchase the Health Care Plan.

Note: You, your spouse and dependent children must be in good health to obtain this insurance coverage. Additional medical information may be requested. Coverage may be declined or modified.

The plan covers expenses incurred in Canada only.

Eligibility
You can apply for coverage under this plan if you are a CPSA member in good standing. You can cover your spouse and eligible dependent children as well, provided that you:

• ordinarily reside in Canada and are covered under your Provincial Health Insurance Plan;
  
• work at least 25 hours per week; and
  
• are under age 65.
  

Spouse means an individual under age 65 with whom you have lived for at least one year, and who is publicly represented as your spouse.

Dependent Child(ren) are your unmarried, dependent child(ren) still living with you and under the age of 21, or 25 if in school full-time.

Note: Your spouse and dependent child(ren) must reside in Canada and be covered under a Provincial Health Insurance Plan.

What's Covered?

Expenses must be incurred in Canada to be covered.

Note: The Basic and Deluxe Health Plans do not cover fertility drugs, smoking cessation, obesity products or other non-prescription, over-the-counter drugs.

Termination of Coverage

Your coverage under this plan will end on:

• the date the Master Policy is terminated;
  
• the date your coverage lapses due to non-payment of premiums;
  
• the first of the month following your written request to terminate this insurance;
  
• March 1 coincident with or next following the date you turn age 65;
  
• March 1 coincident with or next following the date you retire;
  
• the date you cease to be covered by a Provincial Health Insurance Plan;
  
• the date you are no longer a resident in Canada;
  
• March 1 coincident with or next following the date your membership in the Canadian Professional Sales Association terminates;
  

which ever is earliest.

Coverage under this plan for your spouse will end on:

• the date your insurance terminates;
  
• March 1 coincident with or next following the date your spouse turns age 65; or
  
• the date of your divorce or separation;
  

which ever is earliest.

Coverage under this plan for your dependent children will end on:

• the date your insurance terminates;
  
• the date your children reach the maximum insurance age;
  
• the date your children are no longer dependent upon you for support and maintenance; or
  
• the date your children marry;
  

which ever is earliest.

Exclusions and Limitations

Your CPSA Health Care insurance covers reasonable and customary eligible expenses incurred in Canada, which result from an accidental injury or sickness. Certain drugs and expenses are not covered under this plan.

CPSA - Dental Care (rider to Health Care Plan)

The CPSA Dental Care insurance covers routine dental services. Certain expenses and procedures are not covered under this plan.

If you elect to purchase Dental Care insurance with your Health Care Plan you must pay premiums for the Dental insurance for one full year.

Overview

Good oral health is an important element of your overall well-being. And since your provincial plan covers little if any dental care, our Dental coverage may be just right for you.

Routine Care under both options is covered at 80%. This includes exams, x-rays, cleaning, fillings and extractions. Endodontics and Periodontics (gum treatment, root canals) are covered at 50% under the Basic Plan. Endodontics are covered at 80% and Periodontics (gum treatment, root canals) are covered at 60% under the Deluxe Plan. There is a $25 single/$50 family deductible under the Basic Plan but no deductible under the Deluxe Plan. The Annual Benefit Maximum (for all dental services combined) is $1,000 per person (the Endontic/Periodontic maximum is $500 per year).

Note: The Dental Care Plan is available if purchased with the Health Care Plan. For example, if you have purchased the Basic Health Care Plan you can purchase the Basic Dental Care Plan or if you have purchased the Deluxe Health Care Plan you can purchase the Deluxe Dental Care Plan.

What's Covered

Expenses must be incurred in Canada to be covered.

Note: Dental Care is only available if purchased with Health Care.

Exclusions and Limitations

The CPSA Dental Care insurance covers routine dental services. Certain expenses and procedures are not covered under this plan.

If you elect to purchase Dental Care insurance with your Health Care Plan you must pay premiums for the Dental insurance for one full year.

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