Below is a brief summary and comparison of benefits offered by:

• Green Shield Canada (sponsored by Teachers’ Pension Plan), and TPP Rates 2026 for Green Shield
• the BCRTA Dogwood belairdirect, a plan designed and sponsored by the BC Retired Teachers’ Association Plan Summary and Premiums

Note: This is a general summary only. Always contact the provider to confirm the details of the plan as they apply to you.

Dental Plans Comparison

Data is current as of January  1, 2026

APPLY FOR BCRTA DOGWOOD EHC NOW at the belairdirect website

	Green Shield (TPP default)	BCRTA Dogwood | belairdirect (Member Benefit)
Plan Percentage	80% (1st 2,000)100% after	80% See note in Prescription Drugs below.
Deductible	$200 per person per calendar year / $400 per couple	None
Lifetime Maximum	$200,000	$500,000
Prescription Drugs		Choice of Annual Calendar year Maximum: of $2000 or $4000 per year Plan 2 (if you & your spouse were born 1940 or later): Option A: $2,000 per household - Plan pays 80% first $2,000 Option B: $4,000 per household - Plan pays 80% of first $1750 then 100% to the $4000 maximum Plan 1: If you or your spouse were born in 1939 or earlier please ase contact Belair Directly for drug coverage limit options and an accurate premium quote.
	8% mark-up limit	8% mark-up limit
	$10 dispensing fee cap per script	$10 dispensing fee cap per script
	Pharmacare Low-Cost Alternative (LCA) & Reference Drug Program (RDP) pricing GSC Formulary	Pharmacare Low-Cost Alternative (LCA) & Reference Drug Program (RDP) pricing BC provincial formulary (Pharmacare) https://pharmacareformularysearch.gov.bc.ca/ (find out if a prescription is on the formulary) https://my.gov.bc.ca/fpcare/registration-status/request-status (Am I Registered with Fair Pharmacare? You will need to be registered in order to apply for BCRTA Dogwood EHC.)
		Contact BC Pharmacare https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/pharmacare-for-bc-residents/contact-us
	Not covered	Vaccines ($100 per calendar year)
		Express Scripts Pharmacy (Voluntary/Optional benefit) $8.99 dispensing fee Free Delivery 24/7 access to a clinical pharmacist 90-day medication supply
Health Education	Not Covered	$100 per calendar year
		NEW Pharmacogenetic Testing (see conditions in policy for details of coverage)
Hearing Aids	$2,000 every FIVE years	$1,400 per 4 calendar years
Paramedical Services	$1500 Combined per calendar year	$1500 Combined per calendar year
	Chiropractor, Chiropodist/Podiatrist, Registered Massage Therapist, Naturopath, Physiotherapist, Psychologist/Master of Social Work or Social Worker/Counsellor, Acupuncturist	Same paraprofessionals as GSC as well as Athletic therapist, osteopath, clinicial counsellor, social worker,speech therapist, dietician/nutritionist
		NEW – includes Registered Shiatsu Therapists (RST)
Vision Care	$400 per 2 calendar years Includes eye exam	$400 per 2 calendar years includes eye exam
	(eye exams included in vision care maximum)	(eye exams included in vision care maximum)
		NEW – lens implants $200 per 2 calendar years & provides coverage for intraocular lens after ANY type of surgery
TRAVEL	Out-of-Province (in Canada only)	Optional Dogwood Gold Travel Plan Unlimited number of trips in Canada of any duration Unlimited number of trips outside Canada of up to 62 or 93 consecutive days (depending on your selection)
		NEW – $10,000,000 Emergency Medical Coverage
		$8,000 Trip Cancellation, Interruption & Delay Insurance
		No stability clause (sudden & unforeseen medical emergencies)
		Deductible Option: $1,000 deductible (save 10% on Base Plan premiums)
		Baggage & Personal Effects Benefits
		Additional 5% Home insurance discount for travel insurance policyholders