Benefits	Value	Value Plus
Prescription Drug	Generic Dispensing fee cap of $8.50 80% coverage; $2000 yearly maximum $30,000 lifetime maximum	Brand Name No Dispensing fee cap 80% coverage; $6000 yearly maximum $50,000 lifetime maximum
Dental - Basic Coverage -Oral Surgery, Periodontics & Endodontics -Crowns, Bridges, Orthodontics, Dentures -Recall visits	-90% on 1st $250 ($225) -50% on next $750 ($375) combined 1st year maximum of $250 combined $750 any 3 consecutive years Year 1&2 50%, Year 3+ 70% -No coverage -9 month recall	-90% on 1st $250 ($225) -50% on next $750 ($375) combined 1st year maximum of $250combined $750 any 3 consecutive years Year 1&2 50%, Year 3+ 70% -No coverage-9 month recall
Vision Care	$150 / 2 years	$100 per 2 benefit years
Eye Examinations	No coverage	$30 per 2 benefit years
Travel Coverage	Unlimited trips up to 15 days - $1,000,000	Unlimited trips up to 15 days - $1,000,000
Hospital Coverage	No coverage	$175 daily maximum 100% 1st 60 days, 50% next 90 days
Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Acupuncturist	Combined annual maximum of $600	Combined annual maximum of $600
Massage Therapists,	$15 first visit, $15 subsequent, 15 visit max	$15 first visit, $15 subsequent, 15 visit max
Speech Pathologists/Therapist	$60 first visit, $40 subsequent, 10 visit max	$60 first visit, $40 subsequent, 10 visit max
Psychologist	$75 first visit, $60 subsequent, 10 visit max	$75 first visit, $60 subsequent, 10 visit max
Physiotherapist	$250 maximum per anniversary year	$250 maximum per anniversary year
Homecare and Nursing,	Upto $2500 per anniversary year	Upto $2500 per anniversary year
Medical Equip & Appliances	Upto $2500 per anniversary year	Upto $2500 per anniversary year
Ambulance Services	Unlimited + $4000 air ambulance	Unlimited + $4000 air ambulance
AD & D	$25000 per adult, $10000 for senior and child	$25,000 per adult, $10,000 for senior and child
Accidental Dental	$2500 per anniversary year	$2500 per anniversary year
Hearing Aids	$300 every 5 consecutive benefit years	$300 every 5 consecutive benefit years
Lifeline	6 months lifetime maximum rental	6 months lifetime maximum rental