Our group health insurance pays for eligible expenses not usually covered by your Government Health Insurance Plan and includes retirement travel health coverage. More than 96,000 retired teachers and other education retirees and workers in Canada are covered by our plan.
The prescription drugs benefit covers drugs, sera, injectables, and compounds/mixtures with a Drug Identification Number (DIN) that require a prescription from a physician, dentist or practitioner and are dispensed by a licensed pharmacist.
$0 annual deductible
85% reimbursement of ingredient costs
$3,400 annual maximum per person—we set the amount based on what members have needed
Reimbursement of Government Health Insurance Plan deductibles for prescription medications (e.g. ODB, RAMQ, and Fair Pharmacare)
Sexual dysfunction treatments and diabetic supplies for glucometers and insulin pumps are included
Option to arrange for a second 100-day drug supply if you’re taking an extended vacation
Paramedical practitioner coverage
Paramedical coverage includes non-surgical and surgical services. You don’t need a physician referral for services to be covered.
$1,300 annual maximum per person for all practitioners combined
Includes acupuncture and foot care services when provided by a registered nurse
Reflexology services are eligible when performed by one of the covered paramedical practitioners within their scope of practice
The plan includes prescription glasses and contact lenses, laser eye surgery and corneal incision. Plus, support is available for vision training or remedial exercises not covered by government plans.
$400 per person for prescription eyewear and laser surgery in any two consecutive years
$150 per person for eye exams in any two consecutive years, and per calendar year for dependent children
An additional lifetime limit of $400 per person for new lenses required within six months of eye surgery
Lifetime maximum of $300 per eye for cataract surgery costs that aren’t covered elsewhere in the Extended Medical Plan
Aids and appliances coverage
The plan covers the costs of aids and appliances prescribed by a physician. Government plans can help offset costs. Our claims team will review your quote to help you determine what will be covered so you understand expenses before making a purchase.
Includes trusses, splints, braces, casts, crutches, canes, walkers, wheelchairs and hospital beds
Covers artificial limbs or eyes and breast prosthesis, including three mastectomy bras per year
$640 per year for wigs
Medical supplies including $400 per person, per year for surgical stockings, $750 per person, per year for incontinence supplies and up to $200 per person every two consecutive calendar years for post-surgical comfort and convenience items
$500 per person for custom-made orthopedic shoes every two consecutive calendar years
$1,100 per person for purchase or repair of hearing aids every three successive calendar years
Diagnostic services coverage
The plan covers diagnostic lab tests, including screening tests. The coverage helps offset the costs of tests not covered by government plans.
$250 annual maximum per person
Private duty nursing coverage
The plan covers medically necessary out-of-hospital nursing services. Additional related coverage is available through our Hospital and
$2000 per person every two consecutive calendar years
The travel plan covers emergency medical expenses during out of province and out of country trips, and trip cancellation and interruption costs. You’re covered for up to 93 days and can add a Supplemental Travel Plan for your extended trips.
Up to $10 million for eligible medical emergency expenses per person, per trip
Unlimited number of trips
Up to $6000 for cancellation or interruption per person, per trip
Costs related to a pre-existing condition may be covered, subject to a 90-day medical stability clause
Best Doctors Expert Medical Services provides access to the knowledge of the best medical minds in the world to help you get the right diagnosis and treatment plan.
Best Doctors' services are available to participants of the Extended Health Care plan and their children (regardless of age), parents and parents-in-law. Your children, parents and parents-in-law do not have to be insured under the plan to be eligible for Best Doctors services.
Best Doctors can help when:
You would like an expert opinion regarding your medical diagnosis and treatment options
You have questions or concerns about a medical condition or need help understanding your care and treatment options
You need assistance finding a specialist or treatment facility for your situation, either within or outside of Canada
You need assistance navigating the health care system and finding the information you need about a medical issue
Claims can be submitted directly by the practitioner
Claim payments are deposited directly to your bank account
Email notification of your claim payments
Annual benefit statement and tax letter
24/7, secure, online access to claims and benefit information
All Other Provinces
*Where required by law, applicable taxes have been included in these monthly premium rates (8% in Ontario and 9% in Quebec).
Our medical insurance is popular among retired teachers and others who have retired from Canada’s education community, or who are still working and don’t have coverage through work. To be eligible for our group insurance coverage, you must
be an RTOERO member
live in Canada
be covered by a Government Health Insurance Plan (GHIP)
Coverage is also available for spouses and dependent children residing in Canada and covered by a GHIP.
Full eligibility details
Two steps to seamless coverage and peace of mind
Start your application before you retire. You’ll be automatically approved for your insurance without the need for additional medical information as long as you apply within 60 days of your previous group insurance ending. Usually, that’s within 60 days of your retirement date.
Step 1: Become an RTOERO Member
Step 2: Complete the insurance application
Not a member? Join nowApply for insurance
Did your previous group benefits end more than 60 days ago? Don’t worry – you can still be covered.
We’re here to assist.
Insurance can be complex, but selecting it doesn’t need to be
Not ready for insurance yet?
Your RTOERO membership is free until you retire. Join us today so we can help you prepare for retirement.