At-A-Glance
Benefit Year – 12 months from your effective date of coverage
| I |
Prescription Drug Care |
| Reimbursement Percentage |
70% of the ingredient cost for each Insured Person |
| Annual Maximum for Each Insured Person |
| Year One |
Year Two |
Subsequent Years |
| $1,000 |
$2,000 |
$3,000 |
|
AFBS Drug Formulary
|
The AFBS prescription drug formulary will be used to settle all drug claims. |
Includes a mail order prescription option and pharmacy wellness initiatives.
Ingredient Costs cover usual and customary costs. They do not include “dispensing fees”.
|
| 2 |
Extended Health Care |
| Reimbursement Percentage |
70% for each Insured Person |
| Annual Maximum for Each Insured Person* |
| Year One |
Year Two |
Subsequent Years |
| $7,500* |
$7,500* |
$7,500* |
| *Maximum includes benefits paid for Vision/Paramedical Care |
|
| |
Vision/Paramedical Care |
| Reimbursement Percentage |
50% for each Insured Person |
| Annual Maximum for Each Insured Person |
| Year One |
Year Two |
Subsequent Years |
| $500 |
$500 |
$750 |
|
| 3 |
Dental Care |
| Reimbursement Percentage For Each Insured Person |
| Year One |
Year Two |
Subsequent Years |
| 50% |
50% |
50% |
|
| Annual Maximum for Each Insured Person |
|
| Basic Services (cleaning, recall exams) |
| Year One |
Year Two |
Subsequent Years |
| $300 |
$300 |
$500 |
|
Periodontal
(gum disease)
Endodontic
(root canal)
Major Restorative Services
(crowns, bridges, dentures) |
| Year One |
Year Two |
Subsequent Years |
| $500 |
$500 |
$750 |
|
| AFBS Dental Formulary |
AFBS dental formulary will be used to settle all claims. |
| 4 |
Group Term Life Insurance and Accidental Death & Dismemberment Insurance (AD&D) |
|
Coverage Amount |
|
Access to coverage and the amount of coverage is based on your age as indicated in the table below. |
| |
|
| Age at renewal |
Group Term Life Insurance |
AD&D Insurance |
| Under age 65 |
$10000 |
$10000 |
| Ages 65 to 70 |
$ 5000 |
$ 5000 |
| Ages 71 to 75 |
$ 5000 |
|
|
| 5 |
Travel Emergency Medical |
|
If you have an accident or become ill outside of your province of residence, your provincial health care program may not cover all your medical bills, even when travel is within Canada. The Travel Emergency Medical benefit has been designed to cover many of the types of expenses that can occur when a medical emergency occurs while away from home.
- 60-day maximum per trip
- Unlimited trips per benefit year - recreational or business
- $1,000,000 Lifetime maximum
Insured members will find confirmation of their eligibility on their Certificate of Insurance. Additional details are available on the coverage summary issued by Industrial Alliance Insurance and Financial Services Inc. and should be reviewed carefully. You may also find information under the Travel Emergency Medical section on this website. |
Other Programs
Home/Tenant/Home Business and Auto Insurance
HUB International is offering AFBS members preferred group rates, personal attention and customized solutions for their general insurance needs.
Whether it’s coverage for your home/home business, automobile, cottage, boat or recreational vehicles, HUB International has you covered.
Let HUB take care of your insurance needs. Contact them at 1-866-835-1852 for a free, no-obligation review of your insurance portfolio.
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