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

• Green Shield Canada (sponsored by Teachers’ Pension Plan), and
• the Johnson-Belair (EHC available with Prestige Travel insurance) a plan designed and sponsored by the BC Retired Teachers’ Association.

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

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Data is current as of September 1, 2023

	Green Shield (TPP default)	BCRTA Johnson (Member Benefit)
Plan Percentage	80% (1st $1,000); 100% thereafter	80%
Deductible	$200 per person per calendar year / $400 per couple	None
Lifetime Maximum	$200,000	$250,000
Prescription Drugs	Pharmacare Low-Cost Alternative (LCA) & Reference Drug Program (RDP) pricing	Choice of Annual Calendar year Maximum Plan 2 (if you & your spouse were born 1940 or later): Option A: $2,000 per household Option B: $4,000 per household Plan 1: If you or your spouse were born in 1939 or earlier please contact Johnson 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
		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 Johnson EHC.)
		Pharmacare Low-Cost Alternative (LCA) & Reference Drug Program (RDP) pricing
		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
Hearing Aids	$1,400 per 4 calendar years	$1,400 per 4 calendar years
Paramedical Services	Combined $1,000 per calendar year	Combined $1,000 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	$300 per 2 calendar years	$300 per 2 calendar years
	(eye exams included in vision care maximum)	1 exam per 2 calendar years up to $100
		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 Add-On: 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) Prestige Travel
		NEW – $10,000,000 Emergency Medical Coverage
		$8,000 Trip Cancellation, Interruption & Delay Insurance
		No stability clause (sudden & unforeseen medical emergencies)
		No Health Option Questionnaire (if joining from a group plan)
		Deductible Option: $1,000 deductible (save 10% on Base Plan premiums)
		Baggage & Personal Effects Benefits
		Additional 5% Home insurance discount for travel insurance policyholders