Save with RTO-ERO Health Insurance

Compare health benefits for education retirees

RTO/ERO

Extended Health Care + Hospital + Dental

Single

$181.36*/mo

Couple

$360.92*/mo

Family

$438.20*/mo

*may differ slightly outside Ontario due to provincial tax rates


VS

RTIP PLUS 4000

Extended Health Care + Hospital + Dental

Single

$199.16*/mo

Couple

$392.42*/mo

Family

$470.30*/mo

 


Annual Cost Savings with RTO/ERO

Single

$213.60*/year

Couple

$378.00*/year

Family

$385.20*/year

Prescription Drugs

RTO Prescription Drug Plan Compensation

$3400
Annually

covers ALL prescription drugs

 


reimbursed at85%

Annual Limit Increased$200 since 2016

Prescription Drugs

Competitor Drug Plan Compensation

$4000*
Annually

NOT ALL* prescription drugs only those listed on insurer's formulary

 


reimbursed at85%

NO increase in 2017 reimbursement limit

Paramedical Practitioners

RTO Paramedical Practitioner Compensation

$1300
Annually

all practitioners combined

NO physician authorization required

 


RTO Paramedical Practitioner Compensation

REIMBURSEMENT NOT LIMITED

to a per-visit maximum

Social workers and psychotherapists coverage added in 2018.

Paramedical Practitioners

RTO Paramedical Practitioner Compensation

$1250

Annually

all practitioners combined

Physician authorization required for some practitioners

 


Competitor Paramedical Practitioner Compensation

REIMBURSEMENT LIMITED

to a per-visit maximum

Where applicable benefits payable after provincial health plan has been used

Vision Care

$400

EVERY 2 YEARS

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

$150

EVERY 2 YEARS for eye exams

RTO Eye Exam Compensation

Vision Care

$375

EVERY 2 YEARS

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

$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
  • implants
  • partial dentures