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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Premier Plan

The PlanDirect Premier Plan offers higher coverage levels for healthcare, plus prescription drugs and major dental coverage. To apply for the Premier Plan, you must have had similar previous coverage. It provides coverage for the following benefits and benefit levels:

  • Hospital accommodation – 100% reimbursement to a maximum of $250 a day for a private room
  • Prescription drugs – 90% to a maximum of $2,000 each calendar year, plus a Pay-Direct Drug Card
  • Ambulance service – 100%
  • In-home nursing care – 90% up to $1,500 every 12 months
  • Medical supplies – 90% up to maximums in your policy
  • Paramedical services – 90% up to maximums in your policy
  • Visioncare – 90% up to $275 every 24 months and 1 eye exam every 24 months
  • Hearing aids – 90% up to $800 per person every 5 years
  • Dental – Routine Services and Supplies – Diagnostic, preventative, minor restorative, denture maintenance and oral surgery: 85%; Endodondic and periodontal: 50%; Major restorative: 50% up to $750 each calendar year.
  • Dental accident treatment – 90%
  • Overall annual maximum – $50,000 per person each calendar year