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Health, Medical & Dental Insurance

In today's workplace, employees are increasingly aware of the range of specialists and treatments available for all of their varied needs. A comprehensive health and dental care benefits package is the central component of any well-rounded group insurance plan.

Standard Life offers the flexibility and variety needed to design a plan that's best suited to everyone's needs -

Health care

Here are the most popular services offered as part of our health care benefit -

  • Prescription drugs (including pay-direct and deferred payment drug cards)
  • Hospitalization (semi-private or private room)
  • Room and board in convalescent and rehabilitation institutions
  • Nursing care
  • Home care
  • Paramedical services such as -
    • Audiologist
    • Chiropractor
    • Naturopath
    • Speech therapist
    • Osteopath
    • Physiotherapist
    • Podiatrist and chiropodist
    • Psychologist
    • and more...
  • Medical supplies and equipment
  • Laboratory analysis and X-rays
  • Ambulance services
  • Accidental dental care (as a result of accidental injury to natural teeth)
  • Vision care services such as -
    • Eye examination
    • Eye glasses
    • Contact lenses
    • Laser eye surgery
  • Emergency expenses incurred while travelling outside Canada, including -
    • Hospitalization (semi-private room)
    • Medical and surgical services
  • Emergency expenses incurred while travelling out-of-province but within Canada, including medical and surgical services

Dental care

Our range of options allows employers to easily design a cost effective and preventive dental care plan, suited to employees' needs -

Preventive treatments

  • Examinations and diagnosis
    • Oral examinations (recall, emergency or specific)
    • Radiographs
  • Preventive services
    • Prophylaxis (polishing)
    • Fluoride treatments (for insured persons under age 18)
    • Initial oral hygiene instruction

Basic treatments

  • Basic restorative services
  • Endodontics treatments
  • Periodontics treatments
  • Prosthodontics adjustments and repairs
  • Space maintainers for loss of primary teeth (for insured persons under age 18)
  • Appliances to control harmful habits for children
  • Basic oral surgery such as surgical removals
  • Anaesthesia (for surgery only)

Major treatments

  • Fixed or removable prostheses
  • Major restorative services such as crowns, metal inlay restoration and onlay restoration
  • Major oral surgery, such as treatment of fractures

Orthodontic treatments

  • Orthodontic oral examination and radiographs
  • Removable active appliances for tooth guidance
  • Fixed or cemented appliances
  • Retention appliances
  • Comprehensive treatments

Technology to simplify everyone's life - Claims for employee dental care can be submitted to Standard Life electronically from the dentist's office directly. We recommend that employees ask their dentist if they are part of the CDAnetT network.

Containing costs - Here's how we can help

We offer employees health and dental care solutions while taking costs into consideration -

  • Health and dental care reports - Standard Life can provide detailed statistical reports to analyze a plan and adjust it accordingly.
  • Quality control - We have the best practices and procedures in place to ensure accurate payment.
  • Expertise - We work closely with a team of health and dental care professionals to ensure the best claims adjudication and to stay abreast of new and evolving products and services.
  • Anti-fraud measures - While insurance fraud was once thought to be a 'victimless crime', statistics show that even one fraudulent claim has repercussions not only on the premiums of a group, but also on an individual's level of coverage, and eventually on the industry as a whole. In an effort to minimize cases of insurance fraud, we have set up a confidential Anti-Fraud Tip Line at 1-877-543-2333 and Anti-Fraud message centre at antifraud@standardlife.ca. Discover more... PDF (88Kb)

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