Each year we find more and more services not covered by our provincial health plans. We continue to witness the soaring costs of prescription drugs and basic health and dental services. 

Traditional workplaces can offer group health plans using the scales of economy to help offset some of these costs.

For people who are on a leave of absence, are retired or are independent employees or self-employee, it can get very expensive to have the same kind of coverage and it comes directly out of your pocket. Paying for services such as dental check ups and cleaning, prescription drugs, eyeglasses, chiropractor visits add up. And the costs just keep rising.

Your Family - Your Needs

The National Union has negotiated with Manulife Financial a range of plans to meet your needs at affordable rates.

To give you more flexibility, you have the choice between 8 different plans, each providing a different level of coverage:

• 4 plans offer health and dental benefits - included in these plans are prescription drugs, dental care, accidental death benefits and extended health care (EHC) benefits.

• 4 plans offer mainly dental services - included in these plans are additional core health benefits such as vision care, registered specialist and therapist treatments, homecare and nursing and more.

 Each plan provides:

Affordable premiums

Without a group health plan, healthcare and dental expenses can add up quickly. By enrolling in our Associate Member program and taking advantage of these lower premiums, you can be sure that you and your family are covered in case of a serious health emergency or just to take care of extra day-to-day issues. With the range of plans offered you can choose exactly what benefits you want rather than paying for ones you don't need or use.

No waiting periods before you can make a claim

Unlike other plans, there is no waiting period before claims can be made or paid.

Families enjoy preferred rates

Take advantage of the preferred rates for couples or families with three or more children.

Guaranteed acceptance in many cases

If you choose the Base Health and Dental Plan or any of the four Dental Plans you will not have to complete a medical questionnaire. Your application is automatically accepted!

Fast convenient claims submission

You will receive a Benefit Card to make your claim submission convenient and easy. Most prescription drug and dental forms can be processed for you electronically

Best Doctors® Solutions Services included - at no additional cost

Ever want a second opinion? With Best Doctors you can receive an evaluation of your medical records by world-class specialists who review the initial diagnosis and recommend appropriate treatment options. This fast, yet in-depth review can reduce potentially serious complications from a misdiagnosis and help your local physician determine the proper course of action. In addition to medical advice, Best Doctors provides the following services: treatment planning, identification of the most appropriate care provided and care management.

Convenient payment options

For your convenience, your affordable monthly premiums can be paid by cheque, Pre-Authorized Collection (automatic bank withdrawal), or by credit card. To make this coverage easy for you to budget for, you also have the choice of paying your premiums monthly, semi-annually or annually - whichever method works best for you.

 Now, all you need to do is choose the plan that best suits your family.

Join the Associate Member Program today.