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Health, Drugs and Dental coverage,
for AQTN members
Note: Just like our liability policies, the contract is between you and the insurance company. AQTN is not part of the contract and receives no commission. Unlike liability insurance, you are not required to take health and dental coverage.
Three key advantages of the Health and Dental insurance program available to AQTN members:
- Cut out the middle man - deal with the insurance company directly and save money.
- Deal with a dedicated representative and speak to the same person each call.
- Find the most appropriate plan for your needs.
Note: This coverage does not replace an existing group benefits plan, you must be registered with either RAMQ or have equivalent coverage (for drugs) under a group plan.
Small sample of available coverage:
Prescription Drugs
- Covers expenses not covered by your provincial prescription drug insurance plan, including annual deductible and co-payment up to the stated maximum
- Name brand or generic drugs, including birth control and fertility drugs
- Full coverage of reasonable and customary dispensing fees
- 100% of eligible prescription costs not covered by your provincial prescription drug insurance plan, to a maximum per person per calendar year equal to the current RAMQ deductible.
Exclusions - smoking cessation drugs, over-the-counter drugs, and drugs not requiring a prescription
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Dental
The following 6 dental services have a combined first anniversary year maximum of $400, and a combined 3 consecutive years maximum of $1,250 per person. For orthodontics, crowns, bridges and dentures, no benefit is available until Year 3. The payment percentage increases from the effective date of the contract as follows: Coverages are designed to coincide with your current provincial Dental Association Fee Guide for General Practitioners. The Dental coverage will be adjusted to match any increases in the fee guide. The following Core benefits are also included with Enhanced coverage: |
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Vision (Basic)
No deductible is charged to you if your eyeglasses can be repaired. If beyond repair, your eyeglasses will be replaced and a $50 deductible charged for eyeglasses originally purchased for up to $250; a $75 deductible, if the original purchase price was $251 to $300; and a $100 deductible, if your eyeglasses originally cost $301, or more. |
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Extended Health Care (Starter)
Extended Health Care benefits are payable only after Government Health Insurance Plan maximums have been reached, as applicable. |
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Travel
Note: Coverage may be limited or excluded for any illness or condition which first manifested itself within the 9 month period preceding the effective date of departure. Not available to persons age 65 and over.
 
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