Health Wise Core CoverageHealth Wise Plus Enhanced Coverage
Benefit choice locked in?
NoYes, for 24 months
Coverage Level
80%
Overall Maximum
$10,000 per calendar year
Direct Pay Drugs
Choice of $1,200 or $2,000
maximum per calendar year;
Accidental Dental
$1,000 maximum per calendar year
Defined Lifestyle Prescription Drugs
(hair loss and erectile dysfunction medication)
None50%, $150 maximum per calendar year
Vision care
$425 maximum per 24 rolling months$550 maximum per 24 rolling months
Hearing Aids
$900 maximum per 36 rolling months$1,100 maximum per 36 rolling months
Paramedical Services
Paramedical Practitioners

Chiropractor, physiotherapist, athletic therapist, massage therapy, psychologist, speech therapist, naturopath, acupuncturist, osteopath, and podiatrist/chiropodist

$1,000 combined maximum per calendar year$1,200 combined maximum per calendar year
Medical aids, appliances, ambulance, diagnostics
Included, specific maximums apply. See ARTA Extended Health Care Plan TextIncluded, specific maximums apply. See ARTA Extended Health Care Plan Text
Private Duty Nursing
$3,000 maximum per 3 consecutive calendar years$3,000 maximum per 3 consecutive calendar years
Prescribed Health Education Programs
$100 maximum per calendar year$100 maximum per calendar year
Private or Semi-private Hospital Room
100%,maximum of $150/day100%,maximum of $150/day
Home Care
$50/day, maximum 10 days after hospital stay$50/day, maximum 10 days after hospital stay
Emergency Travel Insurance
No CoverageNo Coverage
Limits shown are for each insured person
Total Health
EHC Core Coverage + Travel
Ultimate Health
Enhanced Coverage + Travel
Benefit choice locked in?
NoYes, for 24 months
Coverage Level
80%
Overall Maximum
$10,000 per calendar year
Direct Pay Drugs
Choice of $1,200 or $2,000
maximum per calendar year;
Accidental Dental
$1,000 maximum per calendar year
Defined Lifestyle Prescription Drugs
(hair loss and erectile dysfunction medication)
None50%, $150 maximum per calendar year
Vision care
$425 maximum per 24 rolling months$550 maximum per 24 rolling months
Hearing Aids
$900 maximum per 36 rolling months$1,100 maximum per 36 rolling months
Paramedical Services
Paramedical Practitioners

Chiropractor, physiotherapist, athletic therapist, massage therapy, psychologist, speech therapist, naturopath, acupuncturist, osteopath, and podiatrist/chiropodist

$1,000 combined maximum per calendar year$1,200 combined maximum per calendar year
Medical aids, appliances, ambulance, diagnostics
Included, specific maximums apply. See ARTA Extended Health Care Plan TextIncluded, specific maximums apply. See ARTA Extended Health Care Plan Text
Private Duty Nursing
$3,000 maximum per 3 consecutive calendar years$3,000 maximum per 3 consecutive calendar years
Prescribed Health Education Programs
$100 maximum per calendar year$100 maximum per calendar year
Private or Semi-private Hospital Room
100%,maximum of $150/day100%,maximum of $150/day
Home Care
$50/day, maximum 10 days after hospital stay$50/day, maximum 10 days after hospital stay
Emergency Medical Travel coverage (only available with the EHC benefit)
  • 100% coverage for sudden and unforeseen eligible emergency medical travel expenses incurred outside of your province of residence
  • Lifetime maximum of $5 ,000,000 per covered person
  • Multiple trips each with a duration of up to 92 days
  • Hospital accommodations and physicians’ services
  • Private duty nursing ($5,000 per calendar year). This is in addition to the Private Duty Nursing coverage of $3,000 per 3 consecutive calendar years under Health Wise and Health Wise Plus.
  • Drug/diagnostic services/aids and appliances
  • Accidental dental ($1,000 per calendar year)
  • Paramedical services (three (3) practitioners - $250/year)
  • Emergency transportation (ground and air)
  • Trip cancellation/interruption ($10,000 per trip)
  • Vehicle return
  • Return of dependent children
  • Return of excess baggage
  • Return of animal companion
  • Repatriation of deceased member