Save with RTO-ERO Health Insurance

Compare 2019 health benefits for education retirees

RTO/ERO

Extended Health Care + Hospital + Dental

Single

$187.23*/mo

Couple

$372.65*/mo

Family

$452.38*/mo

*may differ slightly outside Ontario due to provincial tax rates


VS

*THEM

Extended Health Care + Hospital + Dental

Single

$202.71/mo

Couple

$399.50/mo

Family

$479.00/mo

 


Annual Cost Savings with RTO/ERO

Single

$185.76/year

Couple

$322.20/year

Family

$319.44/year

Prescription Drugs

RTO Prescription Drug Plan Compensation

$3400
Annually

covers ALL prescription drugs

 


reimbursed at 85%

Prescription Drugs

Competitor Drug Plan Compensation

$4000*
Annually

NOT ALL* prescription drugs are covered

only those listed on insurer's formulary

 


reimbursed at 85%

Paramedical Practitioners

RTO Paramedical Practitioner Compensation

$1300
Annually

all practitioners combined

NO physician authorization required

 


REIMBURSEMENT NOT LIMITED

to a per-visit maximum

Paramedical Practitioners

RTO Paramedical Practitioner Compensation

$1250

Annually

all practitioners combined

Physician authorization required for some practitioners

 


REIMBURSEMENT LIMITED

to a per-visit maximum

Vision Care

$400

EVERY 2 YEARS

  • prescription eye wear
  • contact lenses
  • laser surgery or
  • corneal incision
  • sunglasses

RTO Eye Exam Compensation

$150

EVERY 2 YEARS for eye exams

Competitor Eye Exam Compensation

Vision Care

$375

EVERY 2 YEARS

  • prescription eye wear
  • contact lenses
  • laser surgery
  • corneal incision
  • sunglasses

RTO Eye Exam Compensation

$125

EVERY 2 YEARS for eye exams

Competitor Eye Exam Compensation

Dental

RTO Dental Exam Infographic Image

Basic &
Restorative85%

unlimited reimbursement

Endodontics & Periodontics$850 Annually

80% reimbursement


Competitor Drug Plan Compensation

Major Restorative$800 Annually

50% reimbursement for

  • crowns
  • posts
  • inlays
  • permanent crowns placed on implants

$800 Annually

50% reimbursement for

  • fixed bridges
  • partial dentures
  • fixed bridges placed on implants

Dental

Competitor Dental Exam Infographic Image

Basic &
Restorative80%

unlimited reimbursement

Endodontics & Periodontics$750 Annually

80% reimbursement


Competitor Drug Plan Compensation

Major Restorative$700 Annually

50% reimbursement for

  • crowns
  • bridges
  • partial dentures
  • implants (limited to cost of least expensive procedure)

*RTIP–4000+