Benefits

Member – $300,000
Spouse – $60,000
Dependent Child – $8,000

Member / Spouse / Dependent Child
Coverage terminates at age 70

Injury/loss to natural teeth completed within 12 months.

Member / Spouse / Dependent Child

Member – $300,000
Spouse – $60,000
Dependent Child – $8,000

Member / Spouse / Dependent Child
Coverage terminates at age 70

$85 per visit up to an overall combined paramedical therapy maximum of $2,000 per calendar year

Member / Spouse / Dependent Child

Outpatient Treatment Service for confidential opioid therapy & treatment

Member / Spouse / Dependent Child

Covered after OHIP excluding air and rail

Member / Spouse / Dependent Child

CPAP, APAP, Apnea Monitors, and appliances covered

Member / Spouse / Dependent Child

Covered including replacement: No maximum for artificial limbs or eyes

Member / Spouse / Dependent Child

$85 per visit up to an overall combined paramedical therapy maximum of $2,000 per calendar year combined

Member / Spouse / Dependent Child

$300 per day

Members Only
Maximum of 3 days for the death of family members

One (1) external breast to a max of $500 per breast once every 24 months

Member / Spouse / Dependent Child

Specializing in Cancer Care Assistance / Navigation

Member / Spouse / Dependent Child

Covered: Canes $100, Casts $400, Crutches $125 & Splints no maximum

Member / Spouse / Dependent Child

Up to $50,000 per Eligible Dependent Child

Dependent Child

$100 1st visit
$85 subsequent visits
Maximum of $2,000 per calendar year combined

Member / Spouse / Dependent Child

$105 per visit up to an overall combined behavioral therapy maximum of $2,000 per calendar year

Member / Spouse / Dependent Child

Up to $4,000 per year (Sensor/Transmitter/Receiver)

Member / Spouse / Dependent Child

Continuous Glucose Monitor $4,000 maximum a year

Member / Spouse / Dependent Child

Member – $40,000
Spouse – $15,000
Child – $10,000

Member / Spouse / Dependent Child
Coverage terminates at age 70

Calendar Year Maximum: $3,000 (per family member)
Reimbursement: 2026 O.D.A. Fee Guide
Member Advantage Card: Dental Reimbursement
Coinsurance: 100%
*See booklet for specific coverage details*

Member / Spouse / Dependent Child

WSIB / STD Integration

Member Only

Age Limitation: Up to age 99
Coverage: 24 Hours
Maximum Per Trip Benefit:
$5,000,000 / up to age 80
$2,500,000 / age 80 – up to age 99 (180 day pre-existing stability clause)
Period of Coverage: Maximum of 90 consecutive days per trip

Member / Spouse / Dependent Child

Diagnostics Healthcare Services: RI / CT Scans / Ultrasound / Endoscopy / Colonoscopy
Specialists Healthcare Services: Dermatologist, Endocrinologist, Gynecologist, Podiatrist, Respirologist, Cardiology, Gastroenterology, General Surgery, Neurosurgery, Ear, nose & throat, Orthopedics, Ophthalmology, Rheumatology, Urology, Neurology

Member / Spouse / Dependent Child

Orthopedic Surgery – ACL, Elbow, Foot, Ankle, Toe, Hand, Wrist, Hip, Knee & Shoulder
General Surgery – Cataract, Ear, Nose & Throat, Gallbladder & Hernia

Member Only

Once a lifetime / Maximum $1,500

Member / Spouse / Dependent Child

Access to tools / information to assist in educating and providing guidance for financial goals and assist in alleviating stress from financial uncertainty.

Member / Spouse / Dependent Child

Must be Insulin Dependant
Monitor reimbursement: $75.00
Sensors through Drug Card

Member / Spouse / Dependent Child

Wills, Power of Attorney, Real Estate, Separation Agreements, Divorce, Cohabitation Agreement Benefit, Highway Traffic Act
*Subject to the limitations as set out under the CCWUcare Benefit Plan

Member / Spouse

Confidential one-on-one coaching support around healthy eating, diabetes, and heart health.

Member / Spouse / Dependent Child

Access to Nurses to help navigate the healthcare system.

Member / Spouse / Dependent Child

One set / $3,500 maximum every 36 months (including replacement, repair, batteries)

Member / Spouse / Dependent Child

$10,000 for member and spouse

Member / Spouse

Daily Maximum Benefit – $225 (50% after the age of 70)
Benefit Duration – 120 consecutive days maximum
Waiting Period – 3 consecutive days

Member / Spouse / Dependent Child
Coverage terminates at age 75

Covered: No maximum

Member / Spouse / Dependent Child

Iron Drug Injectables administered through IV or injected in hospital setting.

Member / Spouse / Dependent Child

$200 per day

Members Only
Maximum of 100 days

Member: $200,000 – Principal Sum
Spouse: $20,000 – Principal Sum
Dependent Child: $10,000
Advance from Principal Sum: $10,000 within 48 hours

Member / Spouse / Dependent Child
Coverage terminates at age 75

Daily Indemnity Benefit: $50 per day
Daily Reimbursement Benefit: Up to $100 per day for eligible Long Term Care Expenses
Lifetime Maximum per person: $300,000

Member / Spouse
Over the age of 18

Waiting Period: 104 weeks
Benefit Duration 10 years, age 65, or recovery, whichever occurs first
Monthly Benefit Maximum (Years 1-5): $1,000 per month
Monthly Benefit Maximum (Years 6-10): $600 per month

Members Only
Up to age 65

$85 per visit up to an overall combined paramedical therapy maximum of $2,000 per calendar year combined

Member / Spouse / Dependent Child

Confidential counselling services to support mental health and wellbeing.

Member / Spouse / Dependent Child

Intensive outpatient program offered virtually or in-person to address a variety of mental health issues and disorders.

Member Only

Confidential counselling services to support mental health and wellbeing.

Member Only

Mental health resources, assessment tool, and confidential counselling services

Member / Spouse / Dependent Child

Second Opinion Medical Opinion Benefit

Member / Spouse / Dependent Child

$85 per visit up to an overall combined paramedical therapy maximum of $2,000 per calendar year combined

Member / Spouse / Dependent Child

Up to $2,000 every 36 months (not eligible for cosmetic purposes)

Member / Spouse / Dependent Child

Assistance with workplace accidents and illnesses (WSIB) claims.

Member Only

Member – $500,000

Members Only
Coverage terminates at age 70

Member – $500,000

Members Only
Coverage terminates at age 70

$85 per visit up to an overall combined paramedical therapy maximum of $2,000 per calendar year combined

Member / Spouse / Dependent Child

Confidential access to virtual or in-person treatment to address opioid use and addiction.

Member / Spouse / Dependent Child

1 pair every 24 months / Maximum $500

Member / Spouse / Dependent Child

50% / Maximum $250 per calendar year

Member / Spouse / Dependent Child

$85 per visit up to an overall combined paramedical therapy maximum of $2,000 per calendar year combined

Member / Spouse / Dependent Child

$300 per day
Maximum of 3 days immediately following the birth of a newborn

Members Only

Resources and coaching services to tackle a variety of parenting and caregiving challenges.

Member / Spouse

Member – $300,000

Members Only
Coverage terminates at age 70

$100 for the first visit and $90 for subsequent visits
Up to an overall combined health practitioner maximum of $2,000 per calendar year

Member / Spouse / Dependent Child

$85 per visit up to an overall combined paramedical therapy maximum of $2,000 per calendar year combined

Member / Spouse / Dependent Child

100% (Rx drugs prescribed by a Physician and dispensed by a Pharmacist)
$50,000 Lifetime Maximum on Opioids*

Member / Spouse / Dependent Child

$5,000 Lifetime Maximum

Member / Spouse / Dependent Child

Covered: MD referral Required for all Other durable Medical supplies, Estimate should be submitted.

Member / Spouse / Dependent Child

$20 per visit
$2,500 Calendar Year Maximum

Member / Spouse / Dependent Child

Online training platform for Smoking Cessation / Weight Loss / Alcohol / Stress / Diabetes / Sleep etc.

Member / Spouse / Dependent Child

Maximum Weekly Benefit – Weekly Benefit is $500
Approved Claims Only – $100 initial claim form completion fee
Benefits Payable – 1st day Accident
Benefits Payable – 8th day Illness
Total Period of Coverage – 104 weeks Maximum

Members Only
Coverage terminates at age 65

Substance Management & Recovery Program

Member / Spouse / Dependent Child

One (1) course treatment up to a maximum of $350 per lifetime

Member / Spouse / Dependent Child

$100,000 – Member

Members Only
Coverage terminates at age 75

$200 per visit, up to a lifetime maximum of $10,000 per dependent child only

Dependent Child

Intensive outpatient mental health program offered virtually or in-person to address substance use and addiction.

Member Only

Residential inpatient program for substance use disorders and addiction.

Member Only

Two pairs per calendar year.

Member / Spouse / Dependent Child

Two pairs per calendar year.

Member / Spouse / Dependent Child

Maximum of $500 per calendar year.

Member / Spouse / Dependent Child

Online platform for Non-Emergency Medical Support

Member / Spouse / Dependent Child

Home delivery for prescription medications

Member / Spouse / Dependent Child

One set (lenses & frames) / $450 maximum every 24 months

Member / Spouse / Dependent Child

$500 Lifetime Maximum

Member / Spouse / Dependent Child