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Why Buy an Insurance Plan for CARP Members?

Our health insurance plans are all about you. You have the convenience of quick, easy access to a selection of plans with benefits that are tailored to the changing needs of Canada’s seniors.

We offer two types of plans:

  1. Health Assist CORE plans: flexible coverage that is perfect if you haven’t had a health insurance plan before, or not for a while.
  2. Health Assist LINK plans: coverage for people whose employee group benefits have recently ended or will soon end.

What does my coverage include?

With many plans to choose from, you decide on the level of coverage for prescription drugs, dental care, vision care, extended health care and emergency medical travel protection that best suits you and your budget.

Health Assist plans are provided by GreenShield. When you’re a Health Assist and GreenShield customer, you have the option to leverage technology and its advantages, and get convenient, easy access to quality services.

InkblotTM✝ sounds different because it is. The Inkblot platform provides access to secure, virtual mental health therapy with an added level of comfort and personalization. Inkblot’s unique, advanced matching technology makes it easy for you to connect with the qualified therapist who meets your needs and reflects what matters to you. The Inkblot platform’s matching process takes into consideration the clinical specialty and credentials of the therapist, your personal preferences, language, cultural background, religion, and more. Plus, virtual video counselling eliminates geographic barriers and the need for you to travel to appointments.

Looking for help in-between sessions? The Inkblot platform also offers digital resources like articles, podcasts and videos that you can access at your leisure.

Every Health Assist plan includes two hours of individual and two hours of couples virtual counselling through Inkblot. There are no out-of-pocket expenses for these four hours of therapy. To continue your therapy journey, additional virtual sessions with Inkblot are easy to arrange and eligible for coverage under the Psychology benefit of your Health Assist plan.

Online virtual mental health services provided through Inkblot Technologies Inc.

InkblotTM✝ is a trademark owned by Inkblot Technologies Inc., used under license.

Have you heard about it? Pharmacogenetic testing is designed to provide insights into genetic make-up to help physicians prescribe the medication and dose that will provide the best outcome for their patients.

Pharmacogenetic testing from GenXys is eligible for coverage under the Medical Services benefit of all Health Assist plans, provided you meet the medical criteria – if you suffer from moderate to severe major depressive disorder and/or anxiety disorder (generalized or social), and if you’ve tried and are not responding to the medication prescribed for you.

The DNA test is simple – really. GenXys sends you the home test kit, you take a swab of your lower gums, and return the kit to them. When the test results are ready, your healthcare provider will receive a summary that you can also access. The GenXys Pharmacogenetic Test Report will help you and your healthcare provider to develop a personalized medication treatment plan that is based on your genetics.

Best of all, your Pharmacogenetic Test Report is timeless – it will not date. You and your healthcare providers can use it to optimize treatment options for other conditions that may arise in future. After all, your genetic make-up won’t ever change.

Pharmacogenetics testing services and reports are provided by GenXys Health Care Systems Inc.

It’s an advantage of the Health Assist bundled plan design – emergency medical travel coverage is a benefit of each Health Assist plan. It’s designed to cover multiple trips every year. Better yet, this travel coverage will continue right along with your other benefits, regardless of your age (as long as your premium payments are made, of course!). So, no more last-minute rushes to purchase coverage to protect you on your travels – even when you take a number of trips every year. What could be easier?

If you’re looking for physiotherapy that’s delivered virtually, no need to search further. As a Health Assist customer, you have access to virtual therapy with registered physiotherapists via Phzio Canada’s Phzio platform. And as a Health Assist customer, you qualify for a discounted rate. Better yet, it’s eligible for coverage under the Physiotherapy benefit of your Health Assist plan.

Virtual physiotherapy sessions are provided by licensed physiotherapists registered to practice in Canada. The Phzio platform and MSK360 portal are owned and operated by Phzio Canada.

As a Health Assist customer, you have quick, easy access to unlimited free summary telephonic legal advice, offered in partnership with Sykes Assistance Services. It can help guide you through most major types of law including family, criminal, civil litigation, landlord and tenant, residential real estate and wills and estates. The advice lawyers will take all the time necessary to answer your questions.

You can also request that a lawyer draft a simple legal letter on your behalf, like a demand letter or travel consent letter. Review of simple legal documents (six pages or less, single sided) is another service offered to you, free of charge, as a Health Assist customer.

And if you want a referral to a lawyer in your area, Sykes Assistance Services can refer you to a local lawyer who will offer you a discount of 25% on legal fees (as long as the lawyer’s account is paid within 30 days of receipt; the discount does not apply to real estate matters).

If you are the unfortunate victim of identity theft, Sykes Assistance Services can help with that too. They will assign an Identity Restoration Consultant to your case who will assist you in restoring your identity until the matter is completely resolved.

Understanding that caring for aging parents is part of life, Sykes Assistance Services offers Lifestage Care. It’s a valuable online resource that can help you find care for aging parents or ailing children, including links to financial assistance, costs of care, advice from experts and informative articles.

Legal Assistance is provided by Assistance Services Group, a SYKES® company.

As a Health Assist customer, many of your eligible health care expenses can be processed automatically between your health care provider and GreenShield, like prescription drugs, dental care, vision care, some registered specialists and therapists, and, of course, emergency medical expenses when you’re travelling. That’s efficient and convenient!

When you register for our online services, you get easy, convenient access to your Health Assist plan 24/7, from everywhere. You can submit claims online, track your benefit balance, drug eligibility, cost and reimbursement, and locate GreenShield-approved registered specialists, dentists and vision care providers in your area. And you can arrange for direct deposit so that your reimbursements will be placed directly into your account – no more waiting for cheques to arrive in the mail. Now that’s efficient!

Our app, exclusively for GreenShield customers, gives you mobile access to your Health Assist plan so you can submit claims, check your claims status, track your benefit balance, confirm your eligibility and coverage for health expenses, find health care providers in your area, and much more. And you can do it all, no matter where you are!

Available exclusively for GreenShield customers, the Change4Life® rewards program is educational, fun and rewarding. Designed to promote and encourage healthy lifestyles, you earn points* as you participate in activities and resources. The points accumulate quickly. You redeem them by participating in draws for the chance to win gift cards from popular Canadian retailers. With gift cards for $10, $20, $50 and $100, you can bid often or save your points and bid for the gift cards of greater value. And you can do it all via your smartphone, laptop, or desktop.

*Change4Life points have no cash value.

GreenShield makes friends with companies that can offer Health Assist customers even more advantages…

With the Maple service, you can connect virtually with a Canadian-licensed doctor within minutes, any time. And when we say, "any time", we really mean it – 24/7, 365 days a year. The average wait time to speak with a doctor is two minutes. And while many family doctors and clinics offer virtual visits, they’re not generally available around the clock. Maple is.

As a Health Assist customer, you receive GreenShield preferred pricing. (Please note: the discounted rate you pay isn’t eligible for reimbursement under your plan).

Maple Platform and Maple Health Care Services are owned and operated by Maple Corporation.

KITS is a Canadian, online prescription eyewear and contact lens provider that delivers premium glasses at truly affordable prices. KITS has a terrific selection of well-known brand name, designer eyewear as well as their unique KITS brand. What truly sets KITS apart? They offer an online experience like no other: get frame recommendations based on your face shape; “try on” any number of frames in a digital environment (it’s fun!); easy-to-follow instructions allow you to check frame sizing; and with a few simple steps, you can accurately confirm lens specifications so that your glasses will be the perfect fit.

If you’re a little worried about purchasing prescription eyewear online, there’s no need. Based in Vancouver, KITS has a wonderful team of customer service representatives who are ready to help if you have any questions about the process.

KITS standard pricing is incredibly reasonable (especially for progressives). Better still, as a Health Assist and GreenShield customer, you’ll enjoy preferred pricing. When you’ve registered for our online services and you place your order through our platform, the system will automatically verify the amount of coverage you have available, apply it before check-out, and reduce the cost even more!

Convenient, fast, and efficient, KITS delivers exactly what your eyes need to see, and you need to look your very best.

KITS products and services are provided by Technologies, Inc., which operates as

The SmileDirectClub provides orthodontic treatment that is approximately 1/3 the cost of traditional orthodontics. That’s right – and by making it more affordable, it’s also more accessible! Their clear aligner system is designed for minor to moderate teeth correction, like space between teeth, crowding, rotations and some bite correction.

And, with no dental offices to visit, it’s really convenient.

Assessments are done online. The SmileDirectClub will send you an impression kit, so you can make and return your impression along with pictures. A licensed dentist or orthodontist reviews and creates your treatment plan. When you approve, they create your custom aligners and ship them to you. You’ll have regular virtual check-ins with your dentist or orthodontist as needed – they’ll oversee your treatment remotely, from beginning to end.

Of course, as a Health Assist customer, you receive preferred pricing. And if the plan you choose includes orthodontic benefits, then SmileDirectClub treatment may be eligible for coverage under your plan.

SmileDirectClub orthodontic services provided through SmileDirectClub Canada Inc. in conjunction with accredited dentists and orthodontists registered to practice in Canada.

If you have questions or need advice about your health and dental insurance needs, give us a call at 1.833.537.CARP (2277). Our licensed representatives are always happy to help.