Enhanced Prescription Drug

Being diagnosed with a serious medical condition is stressful. You don’t need the additional worry of being unsure whether you can afford to pay for the prescribed medications. New medications are constantly being introduced, and these – like many prescription drugs – are often costly and not covered by government health plans. This can leave you suddenly faced with unmanageable drug expenses.

Adding the Enhanced Prescription Drug Benefit to your PlanDirect plan can help you manage these high medical expenses, allowing you to take full advantage of medical treatment you may require without the worry of how paying for an essential prescription will affect your financial stability.

The Enhanced Prescription Drug Benefit is available to applicants age 65 and under. This benefit provides up to $250,000 of prescription drug coverage, per calendar year, per insured family member. Benefits are payable at 100%. A deductible amount of either $2,500 or $5,000 can be selected.

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Comprehensive Plan

The PlanDirect Comprehensive Plan—our most popular plan—offers a wide range of healthcare benefits, including dentalcare coverage and prescription drugs. It provides coverage for the following benefits and benefit levels:

  • Hospital accommodation – 100% reimbursement to a maximum of $225 a day up to 90 days each calendar year for a semi-private room
  • Prescription drugs
    • Comprehensive – 100% to a maximum of $1,200 a calendar year, and you submit your drug expenses using paper claim forms.
    • Comprehensive with Drug Card – 85% to a maximum of $1,200 in each calendar year, and includes a Pay-Direct Drug Card that eliminates submitting paper claims for your convenience
  • Ambulance service – 100%
  • In-home nursing care – 100% up to $3,500 every 36 months
  • Medical supplies – 100% up to maximums in your policy
  • Paramedical services – 100% up to maximums in your policy
  • Visioncare – 100% up to $200 every 24 months and 1 eye exam every 24 months
  • Hearing aids – 100% up to $500 per person every 5 years
  • Routine dental services and supplies – 80% up to $1,000 each calendar year
  • Dental accident treatment – 100%
  • Overall annual maximum – $50,000 per person each calendar year