|FollowMe™ Health Insurance
for new group health benefits you can take with you
Worried about losing your group health and dental benefits? Concerned about the many medical expenses you’ll have to start paying for out-of-pocket because of the increasing gaps in your provincial health insurance coverage?
FollowMe Health insurance allows you to enjoy new health and dental benefits after your employee coverage has ended.
There's no need to worry about interruption of coverage for you or your loved ones. If you apply within 60 days of losing your employee group health and dental benefits, you will qualify for FollowMe Health insurance without having to complete a medical questionnaire.
Four coverage levels to choose from: Because the plan offers you your choice of Basic, Enhanced, Enhanced Plus or Premiere coverage, you have greater freedom to select the benefits that meet your specific needs, without paying for features you don't need.
| Your premiums may be tax deductible|
If you're self-employed or an employee of your own business, health and dental premiums may be a non-taxable benefit and a tax-deductible expense. For others, the premiums may qualify as a medical expense and create a tax credit.
All applicants must be residents of Canada and covered under the government health insurance plan of their province or territory of residence.
- To apply for this coverage, you must be a Costco member age 21 or older.
- You may also apply for coverage that includes your spouse, provided your spouse is age 21 or older.
- You may also apply for coverage for each of your dependent children who are age 20 or younger.
| Limitations and exclusions|
FollowMe Health insurance benefits may differ from those of your employee group coverage.
In addition to any other exclusions set out in this policy, benefits are not payable for:
- charges which result, directly or indirectly, from or are in any manner or degree associated with or occasioned by any self-inflicted injury while sane or insane;
- charges which are payable under any government health insurance plan or available manufacturer rebate program;
- charges for care, services or supplies which are for cosmetic purposes, except when in connection with reconstructive surgery to repair or replace tissue damaged by disease or bodily injury;
- charges for drugs, tests, services, treatment or supplies which are not medically necessary, or which are experimental as determined by the insurer;
- charges in excess of those deemed by the insurer to be usual, reasonable and customary charges in the geographic region of the insured’s residence;
- charges for hospitalization if the person is confined in a hospital on the effective date, except when the confinement is due to an emergency occurring after the application date;
- charges for services, equipment and supplies provided in a chronic care or psychiatric hospital or institution, chronic care unit of a hospital, psychiatric unit of a hospital or when a patient is confined to a long-term care facility or a transition ward of an acute hospital;
- charges incurred for which payment under this plan is not permissible by law;
- charges for duplicate or replacement prosthetic appliances, devices or durable medical equipment, except where replacement is required because the existing item can no longer be made serviceable due to normal wear, or as a result of a pathological change in the patient’s condition;
- charges for eligible services provided outside the province or territory of residence of the insured which are in excess of the amount the insurer would have paid for such services if they were provided in the province or territory of residence determined as of the date the last service was provided outside the province or territory of residence;
- charges incurred for care, services or supplies due to sickness or injury resulting from war, invasion, acts of foreign enemies, hostilities, warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, hijacking, any act of terrorism or any action taken in controlling, preventing or suppressing any of the foregoing, including claims which are as a result of or in any way connected or associated with such events or causes and regardless of any other cause or event contributing concurrently or in any other sequence thereto. For the purpose of this exclusion, “act of terrorism” means an act including, but not limited to, the use of force or violence and/or the threat thereof, by any person or groups of persons, whether acting alone or on behalf of or in connection with any organization or government, committed for political, religious, ideological, or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear, or an act that has been determined by the appropriate federal authority to have been an act of terrorism;
- charges or benefits, or part thereof, which, after the effective date, cease to be payable under any government program;
- charges for drugs, medicines, services or supplies which have been self-prescribed, or prescribed by or for family members;
- charges incurred in relation to medical conditions or ailments as specified in the counter-offer letter signed and accepted by the policyholder, where applicable;
- charges for hospitalization due to pregnancy or pregnancy-related conditions, if from the application date of the policy, the policyholder is twenty-one (21) weeks pregnant or greater. However, benefits are payable only to the extent that if the policyholder is less than twenty-one (21) weeks pregnant on the application date, the insurer will cover a maximum of two (2) days of hospitalization if hospitalization is a result of the pregnancy or complication of the pregnancy.