VIKINGCARES Silver Plan


Essential coverage made affordable

Our Silver Plan offers core protection for individuals and families who want reliable health benefits at an accessible price point.

Plan Designs

Prescription Drugs
Paramedical Coverage
Major Medical
Vision Care
GoToDoctor
LIFE INSURANCE
Travel Out Of Country
Optional Dental
Coverage
Maximum Dispensing Fee
Coinsurance
Diabetic Supplies (test strips, syringes and lancets)
Annual Maximums
Silver
Generic
No
80%
Covered 80%
$2,500
Gold
Generic
No
80%
Covered 80%
$5,000
Platinum
Generic
No
90%
Covered 90%
$10,000

Paramedical Coverage – 100% Coinsurance

Registered therapists and specialists include acupuncturist, audiologist, chiropractor, chiropodist, massage therapist, naturopath, osteopath, occupational therapist, physiotherapist, podiatrist, psychologist, psychotherapist, registered dietician, social worker, speech therapist
Silver
$500 Combined @ 100%
Max $500/yr Max Per Paramedical
Gold
$1,000 Combined @ 100%
Max $500/yr Max Per Paramedical
Platinum
$1,250 Combined @ 100%
Max $500/yr Max Per Paramedical

Overall Major Medical
Note: Included in overall major medical area are dibetic sensors, wheelchairs, walkers, CPAP Machines, Supplies Ostomy Supplies, braces support, oxygen, bras Etc. and other health items

CPAP Machines
CPAP Supplies
Oxygen Equipment
Compression Stockings
Blood Pressure Monitor
Blood Glucose Monitor
Orthotics
Hair Prosthesis (Wig)
Hearing Aid
Preventative Vaccines
Orthopaedic Shoes
Ostomy Supplies
Post-surgical Bra
Braces & Rigid Supports
Prosthetics
Tens Devices
Wheelchair Non Electric
Wheelchair Electric
Accidental Dental
Nursing Care
Ambulance (Ground &Air)
Canes.casts, crutches, splints. And trusses
Semi-Private Room
Convalescent Hospital
Viscosupplementation Injection
Diagnostic Services
Freestyle Libre/Dexcom sensors and Pump Supplies
Overall Major Medical Per Year
Silver
$750 / 1 unit per lifetime
$250/yr
*R&C 100%
$100/yr
$100 / Lifetime Max
$200 / Every 3 yrs
$300/yr
$500 Lifetime
$300 Every 4 yrs
$100/yr
$250/yr
*R&C 100%
2 per calendar yr
1 per calendar yr
$3,500 lifetime
$500 Lifetime
$1,000 Lifetime
$3,000 Lifetime
$2,000 yr / Natural Teeth Only
100% up to $2,500/yr
Covered R&C
*R&C 100%
100% covered-no limitation on consecutive days
Max 90 Days-$20/Day
$600/yr
$500/yr
$2,000/yr
$2,500
Gold
$1,250 / 1 unit per lifetime
$300/yr
*R&C 100%
$100/yr
$100 / Lifetime Max
$200 / Every 3 yrs
$300/yr
$500 Lifetime
$600 Every 4 yrs
$100/yr
$300/yr
*R&C 100%
2 per calendar yr
1 per calendar yr
$5,000 lifetime
$750 Lifetime
$1,000 Lifetime
$3,000 Lifetime
$2,500 yr / Natural Teeth Only
100% up to $3,500/yr
Covered R&C
*R&C 100%
100% covered-no limitation on consecutive days
Max 90 Days-$20/Day
$600/yr
$750/yr
$2,500/yr
$3,500
Platinum
$1,500 / 1 unit per lifetime
$350/yr
*R&C 100%
$100/yr
$100 / Lifetime Max
$200 / Every 3 yrs
$300/yr
$500 Lifetime
$1,000 Every 4 yrs
$100/yr
$350/yr
*R&C 100%
2 per calendar yr
1 per calendar yr
$7,500 lifetime
$1,000 Lifetime
$1,000 Lifetime
$3,000 Lifetime
$3,000 yr / Natural Teeth Only
100% up to $4,500/yr
Covered R&C
*R&C 100%
100% covered-no limitation on consecutive days
Max 90 Days-$20/Day
$600/yr
$1,000/yr
$3,500/yr
$4,500

Vision Care (No age limit)

Eye Exams
Eye Glasses and Contacts
Silver
$100 / 2 years 100%
$100 / 2 years 100%
Gold
$100 / 2 years 100%
$200 / 2 years 100%
Platinum
$100 / 2 years 100%
$300 / 2 years 100%
Virtually access professional healthcare, anywhere, anytime
Silver
Included
Gold
Included
Platinum
Included

Life Insurance - Only on primary member ** Remains on plan until as long as you are paying premiums or age 85.

Primary Member Only - to age 85
Silver
$10,000
Gold
$10,000
Platinum
$10,000

Travel Out Of Country
(Included until Age 80)

Stability: 0 days to age 70
90 days age 7-80
Silver
90 Day Travel
$5 million per trip
(See Booklet for all details)
Gold
90 Day Travel
$5 million per trip
(See Booklet for all details)
Platinum
90 Day Travel
$5 million per trip
(See Booklet for all details)

Optional Dental Care Benefits

Dental claims are eligible from day 1
Silver
$2,000 Combined Basic & Major Coverage Annually (80% Basic, 50% Major)
Gold
$2,000 Combined Basic & Major Coverage Annually (80% Basic, 50% Major)
Platinum
$2,000 Combined Basic & Major Coverage Annually (80% Basic, 50% Major)
Definitions
Reasonable & Customary (R&C)
Unlimited
Coinsurance (Copay)
Definitions
Refers to the maximum allowable amount that an insurance carrier or claims payor will reimburse on a particular service or item. This amount reflects the average cost associated with this service or product in a specific geographical region.
Means there is no set limit but is subject to Reasonable and Customary Charges.
The portion, as a percentage of the claim, that the insurer is responsible for paying. The Insured is responsible for the remaining balance. For example: 80% coinsurnace means the insured is responsible for paying 20% of the claim.
Things to Consider
This is a summary of benefits and may contain inaccuracies. Please review the full booklet wording prior to purchasing a plan.
Please contact us directly for full coverage details or download the booklet from our website.

All calendar year or lifetime maximums are per person unless otherwise stated.
You must be a resident of Canada and be covered under the provincial health plan in your province of residence to apply for this retiree plan. If you apply for family coverage, your spouse and dependent children must also have provincial healthcare coverage.

For individuals or dependents to be eligible for any benefits under the Emergency Travel Benefit, they must be age 79 or less.

Travel coverage will terminate at age 80. Coverage must be in effect prior to departure. If individuals are out of the country when the plan goes into effect, the travel coverage will not go into effect until they return to their province of residence.

Extended healthcare coverage for a dependent who is hospitalized on the date they become eligible for coverage, other than a newborn child, will be delayed until the first day immediately following his/her discharge from the hospital. To qualify, you must be actively at work on the date of retirement. Persons on disability will not qualify.

Premium Payment

Premiums are withdrawn from your bank account on the 10th of every month by pre-authorized debit starting on the month your plan becomes active. All invoices are generated on the 1st of every month. Your plan will stay active as long as premiums are paid.

Cancellation of Coverage

You must complete a form for cancellation of coverage. This takes 30 days to cancel for processing once we receive. There are no additional fees.

Optional Dental Pricing

Optional DENTAL PLAN Coverage - $2,000 Combined Maximum - Can be added to any Plan Design

Basic Services 80% Includes Basic, Endodontic & Peridontal Services
Major Services 50% Incudes Crowns, Bridges, and Dentures
Silver
$2,000 Combined Basic & Major/year
$2,000 Combined Basic & Major/year
Gold
$2,000 Combined Basic & Major/year
$2,000 Combined Basic & Major/year
Platinum
$2,000 Combined Basic & Major/year
$2,000 Combined Basic & Major/year