Annual Maximum for the Health Plan (other than out of province emergencies): $10,000 per Policy Year, per insured person.

Policy Year: The 12 consecutive months from September 1 to August 31 of the following year.

* The Plan covers most medications legally requiring a prescription and is reimbursed at the rate of the lowest priced equivalent generic product.

Reimbursement will be made for eligible expenses that are not covered by the insured's provincial health-care plan.

If you are a resident of Quebec, you are required to be covered under the Régie de l'Assurance Maladie du Québec (RAMQ) or an equivalent group plan, which is the first payor for your prescription drugs. Continuum will be second payor to comply with legislation from the RAMQ.

Reimbursement for dental expenses will not exceed the fee stated in the Dental Association Fee Guide for general practitioners in the province where the treatment is received.

Dental Plan Policy Year Maximum: $500 in your first Policy Year, $750 in your second and subsequent Policy Years.