The information provided by this chat bot may not be always accurate as the current state of Large Language Models (LLMs) cannot guarantee 100% accuracy.
This is provided as a value add service by Aeva. If you have any questions, it is recommended to contact Aeva directly or a health insurance representative.
Canada Life Assistant
Chat with an assistant familiar with the Canada Life Health Benefit plans.
Provided courtesy of Aeva - Canada's Health Insurance Marketplace.
Frequently asked questions
- What is Canada Life Freedom to Choose Medically Underwritten Plan?
The Canada Life Freedom to Choose Medically Underwritten Plan offers some of the most comprehensive coverage but requires medical underwriting. It includes prescription drug coverage, dental care, vision care, and various health care services. There are different tiers such as Select, Select Plus, and Select Elite to choose from based on your requirements.
- What benefits come with the Canada Life Freedom to Choose Guaranteed Acceptance Plan?
The Freedom to Choose Guaranteed Acceptance Plan provides decent coverage without the need for medical underwriting. This plan is ideal if you have an existing plan and can't pass medical underwriting. Coverage includes prescription drugs, dental care, vision care, hospital accommodation, paramedical services, and ambulance services.
- Can you get Canada Life Insurance without medical underwriting?
Yes, Canada Life offers the Freedom to Choose Guaranteed Issue Plan, which allows you to get approved regardless of any preexisting medical conditions. This plan covers prescription drugs, dental care, vision care, and other health services.
- What dental services are covered under Canada Life Insurance Plans?
Canada Life Insurance Plans cover a variety of dental services depending on the plan. Routine dental care, major restorative dental care, and dental accident coverage are available. Higher-tier plans offer more extensive dental coverage, including major restorative care.
- How does prescription drug coverage work in Canada Life Freedom to Choose Plans?
Prescription drug coverage varies among different Freedom to Choose Plans. Medically Underwritten Plans offer up to 90% coverage on prescription drugs, while Guaranteed Acceptance plans cover up to 90%, and Guaranteed Issue plans offer up to 70% coverage. Some plans require a drug card for certain medications.
- What vision care is available under Canada Life Insurance?
Vision care under Canada Life Insurance includes coverage for eye exams and eyeglasses, contact lenses, and laser eye surgery. The coverage amount and frequency vary among different plans. For instance, Medically Underwritten Plans offer up to 100% coverage for one eye exam every 2 years and eyeglasses up to $250 every 2 years.
- Does Canada Life Insurance offer ambulance and emergency services?
Yes, all Canada Life Freedom to Choose Plans cover ambulance services, including air transportation. Coverage is generally 100% of reasonable and customary fees. Emergency travel medical benefit may also be available as an optional add-on depending on the plan.
- What additional benefits does Canada Life Freedom to Choose offer?
In addition to health and dental coverage, all Canada Life Freedom to Choose Plans include access to Teladoc Medical Experts for health concerns and treatment options, and Rexall’s Preferred Perks for discounts on regular priced items at Rexall stores.
- Are there any optional add-ons available for Canada Life Insurance Plans?
Yes, Canada Life Insurance Plans offer various optional add-ons such as emergency travel medical coverage, accidental death, dismemberment, and specific loss benefits, hospital cash benefits, and major dental services and supplies benefits.
- How do I access my Canada Life Insurance Plan?
You can access your Canada Life Insurance Plan online by signing in to mycanadalifeatwork.com. This platform allows you to submit claims, check your benefits information, see claims history, and access health-related tools and resources.