At Omega Medical Associates, we understand the importance of having access to quality healthcare. That’s why we have sourced The Associate Gig Health & Dental Plan – a comprehensive benefit package designed for our Associates and their families. This plan is available without medical questions, and at reduced rates. This plan includes a valuable Wellness Bundle of tools & resources that will help you and your family take control of your mental & physical health.
Below are the coverage details and features of this exclusive benefit program.
Coverage Details
- Eligible to Associates who continue to work at least 20 hours per week
- Can be a sole proprietor, freelancer, incorporated company or other self employed role
- No Health Questions to Apply!
| GOLD | SILVER | BRONZE | |
|---|---|---|---|
| Health & Wellness | |||
| Prescription Drugs (Pay Direct Drug Card) |
90% Coverage - up to $5k per family per year (100% at PocketPills Pharmacy) |
80% Coverage - up to $5k per family per year (90% at PocketPills Pharmacy) |
80% Coverage - up to $2.5k per family per year (90% at PocketPills Pharmacy) |
| High-Cost Drugs (24 month pre-existing condition clause applies) |
Catastrophic drug coverage from $5k up to $1M per family member per year ($50k of biologic drugs limited to lowest cost biosimilar) |
||
| Complete Wellness | Unlimited mental and health counselling, telemedicine, fitness and nutrition plans, legal advice, and much more! | ||
Professional Services-
|
100% coverage - up to $750 per practitioner category per family member per year, up to $2k per family combined |
80% coverage - up to $500 per practitioner category per family member per year, up to $1.5k per family combined |
80% coverage - up to $300 per practitioner category per family member per year, up to $900 per family combined |
| Vision | 100% coverage up to $200 every 24 months, per family member per year | Not included | |
| Semi-Private Hospital Room | $100% coverage up to 14 days per stay | $100% coverage up to 14 days per stay | $100% coverage up to 7 days per stay |
| Dental | |||
| Basic Services (chekups, x-rays, fillings, oral surgery, endodontics/periodontics, 8 units of scaling) |
100% coverage up to $1.5k per family member per year | 80% coverage up to $1.5k per family member per year | 80% coverage up to $750 per family member per year |
| Major Services and Orthodontics (crowns, bridges, dentures, braces) |
Not Included | Not Included | Not Included |
| Frequency of Check-Ups | Every 6 months | Every 6 months | Every 9 months |
Included in All Tiers
| Travel | |||
|---|---|---|---|
| 90 Day Out-Of-Province/Country Coverage | 100% - up to $5M (Emergency Medical Services for unforseen accidents and illnesses) | ||
| Medical | |||
| Supplies & Equipment | Included up to plan maximums and coinsurance as outlined in the plan booklet and/or reasonable & customary limits as per the insurer | ||
| Medical Cannabis | $1.5k per family member for approved treatments | * Plan termination age 75 or earlier retirement | |
The Wellness Bundle
| BENEFIT | COVERAGE |
|---|---|
| CloudMD - Kii - Employee Assistance Plan (EAP) | 24/7 access to confidential counselling to support you and your dependents with financial struggle, legal concerns, relationship challenges and more. Includes access to addiction support, life coaching, mindfulness, child/eldercare services, and more |
| Phzio MSK360 | Unlimited virtual pain consultaitions, conditioning plans and ergonomic assessments with Athletic Therapists. Custom programs, including a Yearly Physical Assessment, video-based therapeutic content and conditioning programs |
| My Friendly Lawyer | Legal advice line with qualified Canadian lawyers handling multiple specializations |
| Virtual Care & Mental Health | Unlimited access to telemedicine (medical advice, treatment, diagnosis, prescriptions, and referrals.) Includes ongoing long-term Mental Health support, coaching, Cognitive Behavioural Therapy and more. |
| LifeSpeak | Expert-led mental health and wellbeing education platform with Ask the Expert web chats, blogs, videos and podcasts |
| RxFood | Innovative nutrition app optimizes food for health by aligning your individual data with specific goals. Detailed reports and guidance serve real life, targeted issues including diabetes and overall wellness |
| LIFT Session | Industry-leading virtual fitness support program with unlimited on-demand home workout videos and live sessions |
| The Solid Ground Method | Personal development program helps you live life on your terms while gaining more life and job satisfaction. Learn how to reduce stress, improve energy and time management, and achieve work-life balance |
| ALAViDA | Virtual substance use support with early intervention that helps keep employees at work. Board-certified substance use disorder physicians, mental health support, self-assessments, 24/7 resources, and more personalized care Virtual rehabilitation available; fees apply |
Fine Print - Eligibility
- All participating members must have valid Provincial Health Insurance coverage and continue to work 20 hours per week
- Plan changes can occur once every year on June 1 where members can move up or down one level
- No medical questions
- Premiums paid Monthly via Credit Card
