PROLINK Association Benefit Plan
ASSOCIATION BENEFIT PLAN
As a valued association member, you have access to an exclusive benefit plan designed around your needs. Supplement your primary healthcare and cover what provincial plans won’t with extended healthcare, vision, dental, drugs, massage, chiropractic, physiotherapy, disability and life insurance, and more—built for members like you.
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About Our Plans
Our Association Benefit Plan is designed for members of our partner associations and affinity groups. However, we also know that healthcare needs can vary from person to person. In addition to the plan below, we can connect you to a variety of Health & Dental solutions that offer more flexibility and choice in coverage. That way, you’ll have the best fit for your unique healthcare needs, lifestyle, and budget. See the full list of participating associations here.
EXTENDED
HEALTHCARE
- Premier Plan
- Gold Plan
✓ $10,000 annual reimbursement limit for prescription drugs per person covered under the plan (i.e. family of three can access $30,000)
✓ 80% reimbursement with dispensing fee deductible
✓ 15 paramedical services and non-traditional services not covered by provincial healthcare (i.e. massage therapy, physiotherapy, podiatry, dietitian services, and more)
✓ Vision coverage: $50 for examinations & $250 for frames, lenses, & contacts every 24 months
✓ $5M emergency travel medical coverage for out-of province & country trips up to 180 days
✓ Semi-private hospital coverage up to a maximum of $40 per day, up to 180 days per year
✓ $5,000 annual reimbursement limit for prescription drugs per person covered under the plan
✓ 80% reimbursement with dispensing fee deductible
✓ 15 paramedical services and non-traditional services not covered by provincial healthcare (i.e. massage therapy, physiotherapy, podiatry, dietitian services, and more)
✓ Vision coverage: $50 for examinations & $250 for frames, lenses, & contacts every 24 months
✓ $5M emergency travel medical coverage for out-of province & country trips up to 180 days
✓ Semi-private hospital coverage up to a maximum of $40 per day, up to 180 days per year
DENTAL
INSURANCE
✓ 80% reimbursement for preventive and basic restorative procedures, including periodontal (gums) & endodontic (roots) treatments
✓ Up to $1,000 of reimbursement per calendar year, per individual
✓ Coverage up until the age of 85
*If you’re part of an association where dental care is covered, you have the option to waive this coverage.
SHORT TERM
DISABILITY INSURANCE
✓ Pays 66.7% of monthly earnings up to $3,000 if you become totally disabled (coverage is based upon salary)
✓ Benefits begin the first day of an accident or hospitalization or on the 15th day of sickness and continue for a period of 26 weeks (if needed)
LONG-TERM
DISABILITY INSURANCE
✓ Pays 66.67% of monthly earnings up to $3,000 after 26 weeks of continuous total disability (coverage is based on salary)
✓ Benefits are paid for a period of 24 months under your “own occupation” and continue to age 65
MEMBER ASSISTANCE
PLAN
✓ Provides you and your family with a confidential and voluntary support service to help with all kinds of personal and life challenges
✓ Accessible by phone, in person, online, or through other methods based on your needs
✓ Available 24 hours a day, 7 days a week, 365 days a year
LIFE
INSURANCE
✓ $50,000 payable in the event of death from natural causes
✓ Additional $50,000 if death is the result of an accident
✓ OPTIONAL: Life & Critical Illness coverage available up to $1,000,000
About Our Plans
Our plan is designed for members of our partner associations, however, we also know that healthcare needs can vary from person to person. In addition to the plan below, we can connect you to a variety of Health & Dental solutions to offer more flexibility and choice in coverage. That way, you’ll have the best fit for your unique healthcare needs, lifestyle, and budget. See the full list of participating associations here.
EXTENDED
HEALTHCARE
GOLD PLAN
✓ $5,000 annual reimbursement limit for prescription drugs per certificate that allows access to coverage for those with a pre-existing condition or coming off an employer benefit plan
✓ 80% reimbursement with no deductible
✓ 15 paramedical services and non-traditional services not covered by provincial healthcare (i.e. massage therapy, physiotherapy, audiology or hearing therapy, podiatry, dietitian services, and more)
✓ Vision coverage: $50 for examinations and $250 for frames, lenses, & contacts every 24 months
✓ $5M emergency travel medical coverage for out-of province & country trips up to 180 days
✓ 100% semi-private hospital coverage to a maximum of $40 per day, up to 180 days per year
PREMIER PLAN
✓ $10,000 annual reimbursement limit for prescription drugs per certificate that allows access to coverage for those with a pre-existing condition or coming off an employer benefit plan (i.e. a family of three can access up to $30,000)
✓ 80% reimbursement with no deductible;
✓ 15 paramedical services and non-traditional services not covered by provincial healthcare (i.e. massage therapy, physiotherapy, audiology or hearing therapy, podiatry, dietitian services, and more)
✓ Vision coverage: $50 for examinations and $250 for frames, lenses, & contacts every 24 months
✓ $5M emergency travel medical coverage for out-of province & country trips up to 180 days
✓ 100% semi-private hospital coverage up to a maximum of $40 per day, up to 180 days per year
DENTAL
INSURANCE
✓ 80% reimbursement for preventive and basic restorative procedures, including periodontal (gums) & endodontic (roots) treatments
✓ Up to $1,000 of reimbursement per calendar year, per individual
✓ Coverage up until the age of 85
*If you’re part of an association where dental care is covered, you have the option to waive this coverage.
SHORT-TERM
DISABILITY INSURANCE
✓ Pays 66.7% of monthly earnings up to $3,000 if you become totally disabled (coverage is based upon salary)
✓ Benefits begin the first day of an accident or hospitalization or on the 15th day of sickness and continue for a period of 26 weeks (if needed)
LONG-TERM
DISABILITY INSURANCE
✓ Pays 66.67% of monthly earnings up to $3,000 after 26 weeks of continuous total disability (coverage is based on salary)
✓ Benefits are paid for a period of 24 months under your “own occupation” and continue to age 65
MEMBER ASSISTANCE
PLAN
✓ Provides you and your family with a confidential and voluntary support service to help with all kinds of personal and life challenges
✓ Accessible by phone, in person, online, or through other methods based on your needs
✓ Available 24 hours a day, 7 days a week, 365 days a year
LIFE
INSURANCE
✓ $50,000 payable in the event of death from natural causes
✓ Additional $50,000 if death is the result of an accident
✓ OPTIONAL: Life & Critical Illness coverage available up to $1,000,000
How Can Private Health & Dental Insurance Help You?
Healthcare costs are steadily on the rise. That means even a few unexpected injuries or appointments could leave a major dent in your finances. And if you’re not prepared, you’ll be too distracted by your medical bills to focus on what’s most important: your health. With a private plan, you can alleviate the financial burden of last-minute treatments, recurring health expenses, or ongoing care.
THE RISK: You’ve recently begun your own consulting business. Work is steady until you break your arm. While your hospital visit is free, your cast, medications, and the months of physiotherapy you need to recover aren’t. Without access to an employer benefits package, you don’t have enough to cover the remaining costs and have to dip into the money you set aside to grow your business, a professional setback that takes months to repair.
THE SOLUTION: Public healthcare covers basic medical and emergency costs, but it excludes dental work, vision, assistive devices, and more, even if they’re vital to your recovery or general wellness. With a private plan, you can supplement primary healthcare with custom coverages that are uniquely tailored for your needs, like physiotherapy, massage therapy, and mental health counselling. You’ll also have stable, portable coverage that follows you wherever you go, whatever you do, regardless of your employer, employment status, or location.
Are you self-employed?
THE RISK: A long-time client has temporarily relocated to New York City and invites you down for a business meeting. You fly out but shortly after landing, you develop severe stomach pains and a high fever. You seek emergency care and discover that you have a bad case of food poisoning and need to be monitored overnight. But between the ambulance, medical tests, and x-rays, you’re now on the hook for $4,000 USD.
THE SOLUTION: With a private plan, you can plan ahead and be prepared for whatever happens, wherever it happens. PROLINK’s Premier Plan automatically includes access to Emergency Travel Medical Coverage for individuals and families during business and personal trips out-of-province or country. Coverage lasts up to 180 days and includes hospital, physician, surgical, and anaesthesia services and more.
Do you travel for work?
THE RISK: Your new company advertises vision care as part of their benefits plan. After a few months, you file a $700 claim for an eye exam, new glasses, and contact lenses. However, your claim is denied. When you call the provider directly, you learn that vision care isn’t automatically included in your package; it’s a voluntary benefit that you have to enroll in and pay extra for. Without proper coverage, you now have to pay the total cost out-of-pocket.
THE SOLUTION: Employer-sponsored benefits are notoriously inflexible, with all kinds of hidden restrictions. But with a private plan, you can customize your coverage to what matters most to you, whether that’s vision care, dental work, paramedical services, and more. As a start, PROLINK’s Premier Plan offers $50 for examinations & $250 for frames, lenses, and contacts every 24 months. But if that doesn’t fit your needs, we can explore the market and connect you to other solutions.
Do you have employer benefits?
THE RISK: In your line of work, you’re sitting and typing for long periods of time every day. Over time, you develop severe back and neck pain, and carpal tunnel syndrome. Although your partner's employer benefits plan offers paramedical services to treat your conditions, you’ve maxed out your yearly coverage and don’t have an employer package of your own to top up.
THE SOLUTION: The sooner you get health insurance, the sooner you can take advantage of it. With your own private plan, you can access a wide range of alternative medicine services, like acupuncture, chiropractic, homeopathy, naturopathy, osteopathy, and more to maintain your health, manage stress, and treat discomfort or pain, before they can escalate into long-term conditions down the road.
Do you have chronic pain?
How Can Private Health & Dental Insurance Help You?
Healthcare costs are steadily on the rise. That means even a few unexpected injuries or appointments could leave a major dent in your finances. And if you’re not prepared, you’ll be too distracted by your medical bills to focus on what’s most important: your health. With a private plan, you can alleviate the financial burden of last-minute treatments, recurring health expenses, or ongoing care.
Are you self-employed?
THE RISK: You’ve recently begun your own consulting business. Work is steady until you break your arm. Thanks to public healthcare, your hospital visit is free—but your cast, medications, and the months of physiotherapy you need to recover aren’t. Without access to an employer benefits package, you don’t have enough to cover the remaining costs and have to dip into the money you set aside to grow your business, a professional setback that takes months to repair.
THE SOLUTION: While public healthcare covers basic medical and emergency costs, it excludes dental work, vision, assistive devices, and more, even if they’re vital to your recovery or general wellness. With a private plan, you can supplement primary healthcare with custom coverages that are uniquely tailored for your needs, like physiotherapy, massage therapy, and mental health counselling. You’ll also have stable, portable coverage that follows you wherever you go, whatever you do, regardless of your employer, employment status, or location.
Do you travel for work?
THE RISK: A long-time client has temporarily relocated to New York City and invites you down for a business meeting. You fly out but shortly after landing, you develop severe stomach pains and a high fever. You seek emergency care and discover that you have a bad case of food poisoning and need to be monitored overnight. But between the ambulance, medical tests, and x-rays, you’re now on the hook for $4,000 USD.
THE SOLUTION: With a private plan, you can plan ahead and be prepared for whatever happens, wherever it happens. PROLINK’s Premier Plan automatically includes access to Emergency Travel Medical Coverage for individuals and families during business and personal trips out-of-province or country. Coverage lasts up to 180 days and includes hospital, physician, surgical, and anaesthesia services and more.
Do you have employer benefits?
THE RISK: Your new company advertises vision care as part of their benefits plan. After a few months, you file a $700 claim for an eye exam, new glasses, and contact lens. However, your claim is denied. When you call the provider directly, you learn that vision care isn’t automatically included in your package; it’s a voluntary benefit that you have to enroll in and pay extra for. Without proper coverage, you now have to pay the total cost out-of-pocket.
THE SOLUTION: Employer-sponsored benefits are notoriously inflexible, with all kinds of hidden restrictions and conditions. But with a private plan, you can customize your coverage to what matters most to you, whether that’s vision care, dental work, paramedical services, and more. As a start, PROLINK’s Premier Plan offers $50 for examinations & $250 for frames, lenses, and contacts every 24 months. But if that doesn’t fit your needs, we can explore the market and connect you to other solutions.
Do you have chronic pain?
THE RISK: In your line of work, you’re sitting and typing for long periods of time every day. Over time, you develop severe back and neck pain, and carpal tunnel syndrome. Although your spouse’s employer benefits plan offers paramedical services to treat your conditions, you’ve maxed out your yearly coverage and don’t have an employer package of your own to top up.
THE SOLUTION: The sooner you get health insurance, the sooner you can take advantage of it. With your own private plan, you can access a wide range of alternative medicine services, like acupuncture, chiropractic, homeopathy, naturopathy, osteopathy, and more to maintain your health, manage stress, and treat discomfort or pain, before they can escalate into long-term conditions down the road.
Read Our Advice
For more information, check out our blog where we share our insights on insurance trends, current events, and practical tips and tricks to make the best of your coverage.
Read Our Advice
For more information, check out our blog where we share our insights on insurance trends, current events, and practical tips and tricks to make the best of your coverage.
How Do We
Protect & Perfect?
Whether you’re a business owner, a working professional, or an association member, we can align you with the long-term protection you and your loved ones deserve.
We Value Knowing You
Our dedicated team will take the time to listen and understand you—your family, your lifestyle, and your goals. Once we know where you’re coming from and what you’re looking for, we can provide you with genuine advice and follow-through, regardless of your financial, career, or health situation.
We'll Cover All Your Bases
You may already have access to Health & Dental benefits through your employer. Unfortunately, most employer plans have conditions that you might not know about until after your claim is denied. To offset this risk, we’ll review you and your partner's employer plans for any gaps in coverage. Then, we’ll recommend alternatives, enhancements, or extra features that will protect you more comprehensively.
We'll Guide You to the Right Solution
As one of Canada’s largest independent brokerages, we have access to a wide network of insurers. We’ll leverage those connections to explore all available options on the market. This way, you’ll have a specialized Health & Dental solution that satisfies your budget without sacrificing on protection.
We'll Look Ahead
As your lifestyle evolves, your insurance needs will evolve too. Once things are set up, we’ll continually monitor your plan and adjust as required to account for changes in your personal and professional life. Ongoing review ensures that the most suitable coverage is always in place to help you achieve your goals and protect your financial health long-term.
Check out our other Life & Health Benefits Solutions here!
Check out our other Life & Health Benefits Solutions here!
GET IN TOUCH
To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:
1-800-663-6828
or send us an email below:
GET IN TOUCH
To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:
1-800-663-6828
or send us an email below: