Coverage is subject to all of the provisions contained in the applicable Group Policy. A description of the principal provisions of the coverage is provided in the Certificate of Insurance, which will be mailed to you if you are approved for coverage. This website provides descriptions of only some of the benefits and limitations of ScotiaLife® Health & Dental Insurance. ScotiaLife® Health & Dental Insurance coverage is subject to certain limitations, restrictions and exclusions. ScotiaLife® Health & Dental Insurance is underwritten by Sun Life Assurance Company of Canada. ScotiaLife Financial is the brand name for the Canadian insurance business of The Bank of Nova Scotia and certain of its Canadian subsidiaries such as Scotia Life Insurance Company.ġGroup Policy plan year begins January 1st and ends December 31st of each year Registered trademark of The Bank of Nova Scotia, used under license. Other - Includes: wigs following chemotherapy ($350 annual maximum), surgical stockings (2 pairs per year), stump socks (5 pairs per year), oxygen, diagnostic laboratory and x-ray examinations, and blood glucose monitors ($150 maximum every 5 years).Includes: artificial limbs or other prosthetic appliances, splints and crutches, casts, walkers, braces (not solely for athletic use), traction kits, wheelchairs (lifetime maximum of $4,000), and hospital beds (lifetime maximum of $1,500). Durable Equipment - $2,500 annual maximum.Emergency air ambulance - $10,000 maximum per incident.Ambulance - 75% coverage for ground ambulance.Orthotics - Orthotics, including custom orthopedic shoes - $300 annual maximum.Hearing Aids - $400 maximum every 5 years.Accidental Dental - Up to an annual maximum of $2,000.Private Duty Nursing - Up to an annual maximum of $2,500.Coverage includes: prescription glasses, contact lenses, prescription sun glasses, and laser eye surgeryħ5% of the cost up to a lifetime maximum of $20,000:.$150 maximum every 2 years, including a maximum of $50 per biannual eye exam (1 exam per year for a person under age 18).1 year waiting period from effective date of coverage.Includes: Chiropractor, Osteopath, Podiatrist, Chiropodist, Registered Massage Therapist, Naturopath, Speech Language Pathologist, Psychologist, Physiotherapist and Acupuncturist.$800 per year maximum combined for all practitioners.75% coverage up to a maximum of $25 per visit and 12 visits per practitioner per year.Coverage is not available for pre-existing conditions within the past 9 months. Upgrade to a semi-private room - 75% of the incremental cost up to a maximum of $150 per day 60 days maximum per year.ġ00% coverage is available during the first 30 days of a trip (out of province or out of country) up to a lifetime maximum of $1 million. Convenient drug card provided (not available in Quebec).Covers a maximum dispensing fee of $5.00 per prescription (not applicable in Quebec), $250 lifetime maximum of $10,000smoking cessation drugs and $250 annual maximum for oral contraceptives.Unless a specific drug is prescribed, the plan covers 75% of the cost of the generic drug equivalent Covers 75% of drugs that legally require a written prescription by a doctor or dentist up to an annual maximum of $10,000.Some group plans do not include preventive dental benefits administered by UPMC for Life.Maximum: Lifetime maximum of $1 million per person (not including Emergency Medical and Travel Assistance). Preventive care copays and the comprehensive dental allowance are excluded from the yearly medical deductible, if applicable, and do not count toward the annual maximum out-of-pocket. In most cases, you are responsible for all other charges beyond preventive care. One comprehensive oral exam every 36 months.Comprehensive dental allowance for fillings, tooth extractions, bridges, crowns, and much more (on some plans).Visit one of our participating UPMC for Life Dental Advantage providers for the following preventive benefits: Compare UPMC for Life plans in your area. Copay and dental allowance amounts vary by plan. UPMC for Life plans include preventive dental coverage for oral exams, cleanings, and x-rays.