Workplace and retiree plans

What the booklets show

A workplace or retiree plan may pay for equipment that a government program does not list. We read 47 plans in full. Nearly all name a hospital bed. Two name a therapeutic mattress, and five say “special mattresses” are not covered. Nineteen have only a general clause for medical equipment, which the plan decides case by case.

So a booklet rarely settles the question for a powered mattress. Ask the plan about the exact equipment your clinician recommends, send an estimate if the plan takes one, and get the answer in writing before you rent or buy. The benefits-check worksheet has the questions.

The labels below show the equipment each booklet names. A plan naming a kind of equipment is not a promise that a claim will be paid: each plan decides each claim. Booklets change every year, so check the date.

Federal public service, RCMP, Armed Forces and federal employers

• Canada-wide

  Canadian Armed Forces health benefits (serving members)

  • Pressure or therapeutic mattress
  • Hospital bed
  • Lift

  Serving members of the Canadian Armed Forces.

  Open the bookletPrint date February 6, 2025

• Canada-wide

  CBC/Radio-Canada Health Plan (Crown corporation)

  • Hospital bed

  CBC/Radio-Canada employees and their dependants.

  Open the bookletCBC/Radio-Canada Health Plan & Travel Assistance, March 2019

• Canada-wide

  NAV CANADA Health Care Plan - management retirees

  Retired NAV CANADA management employees and their surviving spouses and children.

  Open the bookletNAV CANADA Benefits Online - Management Retiree, September 1, 2025

• Canada-wide

  NAV CANADA Health Care Plan - represented (unionized) employees

  Unionized NAV CANADA employees (air traffic controllers, technologists and others) across Canada and their dependants.

  Open the bookletNAV CANADA Benefits Online - Represented Employee, September 1, 2025

• Canada-wide

  Public Service Health Care Plan (PSHCP)

  • Powered mattress or surface
  • Hospital bed
  • Lift

  Eligible federal public service employees and pensioners, and their eligible dependants.

  Open the bookletJune 2024

• Canada-wide

  RCMP health care benefits (serving members)

  • Powered mattress or surface
  • Hospital bed
  • Lift

  Serving RCMP regular members and special constable members.

  Open the bookletPrint date October 2, 2025

Provincial and territorial public service

• British Columbia

  BC Hydro - Management and Professional retirees

  Retired management and professional employees of BC Hydro (a provincial Crown corporation) and their dependants.

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletBritish Columbia Hydro and Power Authority, M & P Retirees Basic and Extra Options - Your Group Benefits (C and D), effective November 1, 2023

• British Columbia

  BC Public Service bargaining unit employees

  • Hospital bed

  Employees

  Open the bookletweb page saved 2026-11-11 (no document date)

• British Columbia

  BC Public Service Flexible Benefits Plan - excluded employees

  • Hospital bed

  Regular and eligible auxiliary excluded (management and non-union) employees of the BC Public Service and their dependants.

  Open the booklet2026 Flexible Benefits Guide: A Guide to Benefits for Excluded Employees in the BC Public Service

• British Columbia

  BC Public Service Pension Plan, retired members

  • Hospital bed

  Retirees

  Open the bookletRevised January 1, 2025

• British Columbia

  WorkSafeBC retirees (CEU, Physicians, and Exempt Support Staff retired before April 1, 2020)

  • Hospital bed

  Retirees

  Open the bookletReissue date January 1, 2025

• Alberta

  Alberta Public Sector Retiree Health and Wellness Benefits Plan (ARTA-sponsored, ASEBP-administered)

  Retired Alberta Public Service employees and eligible dependants, who join the ARTA Retiree Benefits Plan through a Public Service Commission and AUPE partnership.

  Open the bookletARTA Retiree Benefits Plan - Health, Dental and Travel Benefits, Plan Options (brochure, September 2024)

• Alberta

  Government of Alberta 1st Choice benefits program - managers and non-union employees

  • Hospital bed

  Managers and non-union employees of the Alberta Public Service and their dependants.

  Open the booklet1st Choice Benefit Handbook: A Benefits Program for Government of Alberta Managers and Non-Union Employees, July 2026

• Alberta

  Government of Alberta MyCHOICE benefits program - union (AUPE bargaining unit) employees

  • Hospital bed

  Unionized employees of the Alberta Public Service (AUPE bargaining unit) and their dependants.

  Open the bookletMyCHOICE Benefit Handbook: A Benefits Program for Government of Alberta Union Employees, July 2026

• Saskatchewan

  Saskatchewan public service Extended Health Care Plan - out-of-scope management employees

  • Hospital bed

  Out-of-scope and management employees of the Government of Saskatchewan and participating agencies.

  Its booklet says air-fluidized hospital beds are not covered.

  Open the bookletOut-of-Scope Management Employees, Group Policy #168853 - benefit booklet, effective September 1, 2024

• Saskatchewan

  Saskatchewan public service Extended Health Care Plan for Retired Employees - PS/GE SGEU

  Retired in-scope Government of Saskatchewan employees (SGEU public service and government employment) who enrol within the plan’s time limits.

  Open the bookletEmployee Communication: Extended Health Care Plan for Retired Employees, applicable to PS/GE SGEU employees (January 2026)

• Saskatchewan

  Saskatchewan public service Extended Health Care Plan, PS/GE SGEU and CUPE 600-3 or 600-5

  • Hospital bed

  Employees

  Open the bookletEffective January 1, 2025 to December 31, 2025

• Ontario

  Ontario Public Service employees, AMAPCEO

  • Hospital bed

  Employees

  Open the bookletLast updated August 11, 2025

• Ontario

  Ontario Public Service retirees - Post Retirement Benefits Legacy Plan (PSPP, Ontario Pension Board)

  • Hospital bed

  Ontario Public Service Pension Plan retirees who began a pension before January 1, 2017, and their survivors (not judges, OPP or First Nations police retirees).

  Its booklet says the coverage excludes “special mattresses”.

  Open the bookletA Guide to Post Retirement Benefits - Legacy Plan (April 2025 edition seen; OPB posts the current edition)

• Ontario

  Ontario Public Service retirees - Post Retirement Benefits Retiree Focused Plan (PSPP, Ontario Pension Board)

  • Hospital bed

  Ontario Public Service Pension Plan retirees who began a pension on or after January 1, 2017 (formerly AMAPCEO, PEGO, AOPDPS-represented and non-bargaining staff) and their survivors.

  Its booklet says the coverage excludes “special mattresses”.

  Open the bookletA Guide to Post Retirement Benefits - Retiree Focused Plan, January 2026

• Ontario

  Ontario Public Service retirees, members of the Public Service Pension Plan

  • Hospital bed

  Retirees

  Open the bookletRevised March 10, 2026 (OPB 8050 2026-03)

• Nova Scotia

  Province of Nova Scotia - civil service employee group benefits

  • Hospital bed

  Nova Scotia government (civil service) employees and their dependants.

  Open the bookletMy Employee Benefits (Public Service Commission booklet, issued January 1, 2026)

• Nova Scotia

  Province of Nova Scotia Group Health and Dental Plan - active employees of participating member employers

  • Hospital bed

  Active employees of the agencies, boards and other member employers that take part in the Nova Scotia government employees’ health and dental plans.

  Open the bookletProvince of Nova Scotia Group Health and Dental Plan for Active Employees of Participating Member Employers (booklet, January 2026)

• Nova Scotia

  Province of Nova Scotia Health and Dental Plan - governing contract (active and retired employees)

  • Hospital bed

  Active and retired Nova Scotia government employees and employees of participating member employers; this is the contract behind the member booklets.

  Open the bookletProvince of Nova Scotia Administrative Services Only Health and Dental Contract (Medavie Blue Cross, January 2026)

• Nova Scotia

  Province of Nova Scotia retired employees

  • Hospital bed

  Retirees

  Open the bookletUpdated effective June 1, 2025

• New Brunswick

  New Brunswick Public Service Benefit Plans - active employees (Standing Committee on Insured Benefits)

  • Lift

  Active employees of the New Brunswick public service who take part in the provincial health, travel and dental plans run by the Standing Committee on Insured Benefits (the booklet refers to Part III, the hospital sector, among others).

  Open the bookletNew Brunswick Public Service Benefit Plans: A Guide for Active Employees (issued November 2022, last revised June 2026)

• New Brunswick

  New Brunswick Public Service retirees

  • Hospital bed
  • Lift

  Retirees

  Open the bookletundated in the index (file name says 2026-06)

• Prince Edward Island

  PEI Public Sector Group Insurance Plan (PSGIP) - active employees

  Active employees of the Prince Edward Island public sector in the PSGIP: civil service, Health PEI and other member groups (the retiree enrolment forms name Civil Service, Health PEI, CUPE and other groups).

  Open the bookletPSGIP Benefits Booklet - Active Employees, published June 2026

• Prince Edward Island

  PEI Public Sector Group Insurance Plan (PSGIP) - retirees

  Retired Prince Edward Island public sector employees (civil service, Health PEI, CUPE and other groups) who continue PSGIP health coverage.

  Its booklet says mattresses are not covered, except standard mattresses with approved hospital beds.

  Open the bookletPSGIP Benefits Booklet - Retirees, published April 2026

• Newfoundland and Labrador

  Government of Newfoundland and Labrador Group Insurance Program

  Employees in the Government of Newfoundland and Labrador group insurance program and their dependants; the booklet also sets reimbursement levels for retired members.

  Open the bookletMy Group Benefits Plan - The Government of Newfoundland and Labrador, All Employees, effective as of April 1, 2026

• Manitoba

  Manitoba Government Employees Extended Health Plan (synopsis)

  • Hospital bed

  Employees

  Open the bookletEffective December 8, 2022; last update March 25, 2024

• Nunavut

  Government of Nunavut retirees

  • Pressure or therapeutic mattress
  • Hospital bed
  • Lift

  Retirees

  Open the bookletPrepared January 5, 2023

Teachers and school staff

• British Columbia

  BC Retired Teachers’ Association (BCRTA) Dogwood Extended Health Care Plan

  BCRTA members (retired BC teachers and other retired education staff) who choose the association’s plan instead of, or on top of, the Teachers’ Pension Plan GreenShield plan.

  Open the bookletDogwood Extended Health Care (EHC) Plan - Plan Summary, September 1, 2026

• British Columbia

  BC Teachers Pension Plan, retired members

  • Hospital bed

  Retirees

  Open the bookletRevised July 1, 2026

• British Columbia

  Public Education Benefits Trust (PEBT) - BC public school support staff, Provincial Standardized Extended Health Plan

  Unionized support staff (CUPE and other locals) in BC public school districts that have joined the PEBT standardized plan.

  Open the bookletExtended Health (PEBT member benefits web page)

• Alberta

  Alberta Retired Teachers’ Association (ARTA) Retiree Benefits Plan

  • Hospital bed

  Retirees

  Open the bookletRevision: November 1, 2026

• Alberta

  Alberta School Employee Benefit Plan (ASEBP)

  • Hospital bed

  Employees

  Open the bookletweb page saved 2026-11-11 (no document date)

• Saskatchewan

  Saskatchewan School Boards Association (S.A.S.B.O.) group benefit plan - school division staff

  • Hospital bed

  Non-teaching employees of Saskatchewan school divisions that take part in the SSBA/SASBO benefit plan (support staff and others).

  Open the bookletSaskatchewan School Boards Association, Plan: S.A.S.B.O. - Group Benefit Program booklet (2025-2026)

• Saskatchewan

  Saskatchewan Teachers’ Federation (STF) Members’ Health Plan

  • Lift

  Saskatchewan teachers under the provincial collective agreement and their families; the plan is funded by the provincial government and administered by the STF.

  Open the bookletHealth Benefits Information for Saskatchewan Teachers and Their Families, July 2025

• Saskatchewan

  Superannuated Teachers of Saskatchewan

  • Hospital bed

  Retirees

  Open the bookletJuly 2023

• Ontario

  Entente Education Canada (formerly RTOERO) Extended Health Care plan

  • Hospital bed

  Retirees

  Open the bookletweb page saved 2026-11-11 (no document date)

• Ontario

  ETFO Employee Life and Health Trust (ELHT) - Ontario public elementary teachers and education workers

  Ontario public elementary teachers, occasional teachers and education workers represented by ETFO, and their dependants.

  Open the bookletETFO ELHT Benefits at a Glance, August 31, 2026

• Ontario

  OSSTF Employee Life and Health Trust (ELHT) - Ontario secondary teachers and education workers

  Ontario secondary school teachers and education workers represented by OSSTF, and their dependants.

  Open the bookletOSSTF ELHT Information Document, August 2025

• Ontario

  OTIP Retired Teachers Insurance Plan (RTIP), retired education employees

  • Hospital bed

  Retirees

  Open the booklet2026 (file code E_04_26)

• Nova Scotia

  NSTU Group Insurance Plan - Total Care Medical (Nova Scotia public school teachers, PSAANS and APSEA)

  • Hospital bed

  Nova Scotia public school teachers and administrators who are NSTU members, and their dependants; the profile also lists the retired-teacher Total Care Medical policies (11351 under 65, 11352 over 65).

  Open the bookletNSTU Group Insurance Plan - Public School, PSAANS & APSEA 2025-2026 Insurance Profile

• Nova Scotia

  NSTU Retired Teachers’ Group Insurance Plans - Total Care Medical, retired after age 65 (Nova Scotia)

  • Hospital bed

  Retired Nova Scotia teachers aged 65 and over who keep NSTU group insurance, and their spouses.

  Open the bookletNSTU Retired Teachers’ Group Insurance Plans - Public School, PSAANS & APSEA, 2023 (available to retired teachers after age 65)

• Newfoundland and Labrador

  NLTA Group Insurance - Health plan, Major Medical

  • Hospital bed

  Newfoundland and Labrador teachers who are NLTA members, and their dependants; the NLTA site says retired teachers can continue the plan.

  Open the bookletMajor Medical (NLTA Group Insurance website page)

• Manitoba

  Manitoba Public School Employees Benefits Plan (MPSEBP) - teachers’ Extended Health and Dental Plan

  • Hospital bed

  Permanent and eligible term teachers in Manitoba public school divisions that take part in the plan, and their dependants.

  Open the bookletExtended Health and Dental Plan - Teachers, effective September 1, 2026

• Manitoba

  Manitoba Public School Employees Retiree Extended Health Benefits Plan

  • Hospital bed

  Retired Manitoba public school division employees (teachers and other staff), age 50 or older with at least 5 consecutive years of service before retirement.

  Open the bookletRetired School Division Employees Health and Dental Plan (booklet, September 2026)

Health care workers

• British Columbia

  BC Nurses’ Bargaining Association (NBA) health and welfare plan - Healthcare Benefit Trust

  • Hospital bed

  Regular nurses employed by BC health authorities and affiliates under the Nurses’ Bargaining Association provincial collective agreement (BCNU, HSA and others).

  Open the bookletYour Group Benefit Plan - regular full-time and part-time employees covered by the Nurses’ Provincial Collective Agreement 2019-2022, effective April 1, 2019

• British Columbia

  Joint Community Benefits Trust (JCBT) - BC community health and social services

  • Hospital bed

  Regular employees covered by the Health Services and Support Community Subsector Collective Agreement (home support, community health workers and others).

  Open the bookletGroup Benefit Plan for regular full-time and part-time employees covered by the Community Agreement, effective October 1, 2026

• British Columbia

  Joint Facilities Benefits Trust (JFBT) - BC health care, Facilities Agreement (HEU and others)

  • Hospital bed

  Regular full-time and part-time employees of BC health authorities and affiliates covered by the Health Services and Support Facilities Subsector Collective Agreement.

  Open the bookletGroup Benefit Plan for regular full-time and part-time employees covered by the Facilities Agreement, effective January 1, 2026

• British Columbia

  Joint Health Science Benefits Trust (JHSBT) - BC health science professionals

  • Hospital bed

  Regular employees of BC health employers covered by the Health Science Professionals (HSPBA) collective agreement (HSA, BCGEU, CUPE and other members).

  Open the bookletGroup benefit plan for regular full-time and part-time employees covered by the Health Science Professionals Collective Agreement, effective October 1, 2026

• Alberta

  Alberta Health Services - Health Sciences Association of Alberta (HSAA) benefit plan

  • Hospital bed

  Paramedical, technical and professional staff of Alberta Health Services under the HSAA collective agreement.

  Open the bookletHSAA Benefits-at-a-Glance (Alberta Health Services, 2026)

• Alberta

  Alberta Health Services - United Nurses of Alberta (UNA) benefit plan

  Nurses employed by Alberta Health Services and related employers under the United Nurses of Alberta collective agreement.

  Open the bookletUNA Benefits at a Glance (Alberta Health Services, 2022)

• Alberta

  Covenant Health, CUPE (Edmonton General Continuing Care Centre, Grey Nuns Community Hospital)

  • Hospital bed

  Employees

  Open the bookletEffective January 2024

• Saskatchewan

  3sHealth (Saskatchewan health sector), survivors of out-of-scope and non-unionized employees

  • Hospital bed

  Survivors of employees

  Open the bookletundated in the index (file name says 2024-05-07)

• Saskatchewan

  3sHealth Extended Health Care Plan - Saskatchewan health sector in-scope (unionized) employees

  • Hospital bed

  Unionized Saskatchewan health care employees (SUN nurses, HSAS, CUPE, SEIU-West, SGEU and others) who take part in the 3sHealth benefit plans.

  Open the bookletIn-Scope Extended Health Care and Enhanced Dental Plan Commentary (May 7, 2024)

• Saskatchewan

  3sHealth Extended Health Care Plan - Saskatchewan health sector out-of-scope employees

  • Hospital bed

  Out-of-scope and non-unionized Saskatchewan health care employees (managers and others) who take part in the 3sHealth benefit plans.

  Open the bookletOut-of-Scope Extended Health Care and Enhanced Dental Plan Commentary (May 7, 2024)

• Saskatchewan

  3sHealth Retiree Benefit Plan

  • Hospital bed

  Retirees

  Open the bookletRevised June 1, 2023

• Ontario

  Brant Community Healthcare System, ONA full-time nurses

  • Hospital bed
  • Lift

  Employees

  Its booklet says the coverage excludes “special mattresses”.

  Open the bookletEffective April 1, 2026

• Ontario

  Ontario Teaching Hospitals - Toronto Post Graduate Medical Education, Plan A

  Resident physicians (postgraduate medical trainees) employed by Toronto’s teaching hospitals, and their dependants.

  Its booklet says the coverage excludes “special mattresses”.

  Open the bookletOntario Teaching Hospitals, Toronto Post Graduate Medical Education - Plan A, Plan Number 99230, effective July 1, 2026

• Ontario

  Sault Area Hospital - early retirees, Unifor service employees

  Early retirees of Sault Area Hospital who were Unifor-represented service employees.

  Its booklet says the coverage excludes “special mattresses”.

  Open the bookletSault Area Hospital, Early Retirees of UNIFOR - Service Employees, Plan Number 99173, updated effective June 5, 2026

• Ontario

  Sault Area Hospital, OPSEU members

  • Hospital bed
  • Lift

  Employees

  Its booklet says the coverage excludes “special mattresses”.

  Open the bookletUpdated effective April 20, 2026

• New Brunswick

  New Brunswick Nursing Homes group plan - all other eligible employees

  • Hospital bed

  Employees of New Brunswick nursing homes (members of the NB Council of Nursing Home Unions, CUPE) in the homes’ group insurance program.

  Open the bookletNew Brunswick Nursing Homes, All Other Eligible Employees, Contract Number 09775 (effective March 1, 2004; booklet prepared April 21, 2015)

• Manitoba

  HEB Manitoba Healthcare Plan - Manitoba health care employees

  • Hospital bed

  Employees of Manitoba health care employers (regional health authorities, hospitals, personal care homes) who take part in the HEB Manitoba Healthcare and Dental Plans, including nurses and support staff.

  Open the bookletUnderstanding Your Benefits: Healthcare and Dental Plans (HEB Manitoba, 22 October 2026)

• Manitoba

  HEB Manitoba Retiree Healthcare Plan - retired Manitoba health care employees

  • Hospital bed

  Retired employees of Manitoba health care employers who enrol in the HEB Manitoba Retiree Healthcare Plan.

  Open the bookletUnderstanding Your Benefits: Retiree Healthcare (HEB Manitoba, 13 April 2026)

Cities, police and firefighters

• British Columbia

  City of Delta, CUPE Local 454 staff

  • Hospital bed

  Employees

  Open the bookletReissue date April 1, 2026

• British Columbia

  City of Surrey - CUPE Local 402 full-time employees

  • Hospital bed

  Full-time City of Surrey employees represented by CUPE Local 402.

  Open the bookletCity of Surrey, Plan A - Full-time Employees of CUPE Local 402, Group Benefit Program booklet (plan effective January 1, 2012; produced February 2017)

• British Columbia

  Coast Mountain Bus Company (TransLink) - MoveUP members, Transit Employees’ Health and Benefit Trust

  • Hospital bed

  Office and technical employees of Coast Mountain Bus Company, Metro Vancouver’s public transit operator, represented by MoveUP.

  Open the bookletYour Benefits - Transit Employees’ Health & Benefit Trust, Coast Mountain Bus Company (CMBC) MoveUP, reissued March 2024

• British Columbia

  Municipal Retiree Benefit Trust (MRBT) - BC Municipal Pension Plan retirees

  • Hospital bed

  Retired members of BC’s Municipal Pension Plan (city, health authority, school support, police and fire retirees), about 100,000 people.

  Open the bookletYour Benefits - Municipal Retiree Benefit Plan, Retirees (Extended Health Care and Dental Plan booklet, in effect to December 31, 2026)

• Alberta

  City of Calgary - Municipal Employees Benefit Association of Calgary (MEBAC) plan

  • Hospital bed
  • Lift

  City of Calgary employees in the MEBAC benefit plans (the firefighters’ plan is documented separately).

  Open the bookletMEBAC Employee Benefits Booklet, current as of January 1, 2026

• Alberta

  City of Calgary, I.A.F.F. Local 255 firefighters

  • Hospital bed

  Employees

  Open the bookletundated (file name says 2024)

• Saskatchewan

  City of Saskatoon - CUPE Local 47 employees

  • Hospital bed

  City of Saskatoon employees represented by CUPE Local 47 (water and wastewater operations).

  Open the bookletEmployee Benefits - City of Saskatoon (C.U.P.E. #47), All Employees, issued 10 September 2021 with amendments to 1 December 2021

• Ontario

  City of Kitchener - inside employees, CUPE Local 791

  City of Kitchener inside (office and technical) employees represented by CUPE Local 791.

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletCorporation of the City of Kitchener, Inside Employees who are members of CUPE Local 791 - Your Group Benefits, effective May 24, 2025

• Ontario

  Corporation of the County of Northumberland employees

  • Hospital bed

  Employees

  Open the bookletUpdated 2022-02-07

• Ontario

  Ontario Provincial Police retirees - insured benefits in retirement (PSPP, Ontario Pension Board)

  Retired Ontario Provincial Police uniformed and civilian members of the Public Service Pension Plan and their surviving spouses.

  Open the bookletInsured Benefits in Retirement for OPP Employees (OPB 8052, revised March 26, 2024)

• Ontario

  Police Pensioners Association of Ontario (PPAO) group insurance program

  Retired Ontario police officers and civilian police staff who are members of the Police Pensioners Association of Ontario, and their spouses.

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletGroup insurance program for members of PPAO (Securian Canada brochure, 2023; modified November 2025)

• Ontario

  Toronto Professional Fire Fighters Association, I.A.F.F. Local 3888

  • Hospital bed

  Employees

  Open the bookletAgreement term 2019 to 2023

Colleges and universities

• British Columbia

  BC College Pension Plan - retired members extended health

  • Hospital bed

  Retired members of BC’s College Pension Plan (college and institute instructors) who enrol in the retiree extended health plan.

  Open the bookletMy Benefit Plan Summary - College Pension Plan, Retired Members, Billing Division 1002, revised effective January 1, 2026

• British Columbia

  British Columbia Institute of Technology (BCIT) - Faculty and Staff Association regular employees

  • Hospital bed

  Regular BCIT employees in the Faculty and Staff Association bargaining unit.

  Open the bookletBritish Columbia Institute of Technology, Plan A - Faculty & Staff Association - Regular, Group Benefit Program booklet (2026)

• British Columbia

  University of British Columbia - Faculty extended health and dental plan

  UBC faculty, academic executives and postdoctoral fellows who are employees, and their dependants.

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletUniversity of British Columbia, Faculty - Your Group Benefits, effective September 1, 2025

• British Columbia

  University of Victoria - Extended Health Care Plan Design 1

  • Hospital bed

  University of Victoria employees enrolled in Extended Health Care Plan Design 1, and their dependants.

  Open the bookletYour Benefits - University of Victoria, Extended Health Care Plan Design 1 (booklet, modified September 2025)

• Alberta

  University of Alberta academic staff

  • Lift

  Employees

  Open the bookletEffective October 20, 2025; issued September 29, 2025

• Ontario

  OCAD University faculty, technicians and academic counsellors

  Employees

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletEffective April 1, 2025; issued March 14, 2025

• Ontario

  Ontario Colleges of Applied Arts and Technology - support staff

  Full-time support staff (OPSEU) at Ontario’s 24 public colleges and their dependants.

  Open the bookletEmployee Benefits for Support Staff Employees of the Ontario Colleges of Applied Arts and Technology, effective December 1, 2019

• Ontario

  University of Guelph retirees, New Plan

  • Hospital bed

  Retirees

  Open the bookletLast revised October 2024

• Ontario

  University of Toronto, active USMC staff, USW and non-union

  • Hospital bed
  • Lift

  Employees

  Open the bookletRevised January 1, 2025

• Ontario

  University of Waterloo employees

  • Hospital bed

  Employees

  Open the bookletEffective October 29, 2024

• Nova Scotia

  Acadia University

  • Hospital bed

  Employees and retirees

  Its booklet says the coverage excludes “special mattresses”.

  Open the bookletSeptember 2025 (from the file name)

• Nova Scotia

  Nova Scotia Community College retirees over age 65

  • Hospital bed

  Retirees

  Its booklet says the coverage excludes “special mattresses”.

  Open the bookletUpdated effective August 1, 2018

• New Brunswick

  University of New Brunswick - retirees health plan

  • Hospital bed

  Retired University of New Brunswick employees and their dependants.

  Open the bookletThe University of New Brunswick, UNB - Retirees, Plan Number 3700, updated effective April 1, 2026

• Prince Edward Island

  UPEI Supplementary Health Care Trust, retirees and retirees outside PEI

  • Hospital bed

  Retirees

  Its booklet says the coverage excludes “special mattresses”.

  Open the bookletnot stated in the index

Unions and building trades

• Canada-wide

  Boilermakers’ National Health Plan (Canada) - active members

  Active members of the International Brotherhood of Boilermakers in Canada covered by the Boilermakers’ National Benefit Plans, and their dependants.

  Open the bookletActive Member’s Benefits - health benefits summary (two pages, PDF dated June 2026)

• Canada-wide

  TELUS active employees - Team TELUS Flex for unionized team members (excluding IBEW 213A and 213K)

  Unionized TELUS team members on Team TELUS Flex, excluding IBEW 213A and IBEW 213K.

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletTeam TELUS Flex Benefits Manual for Unionized Team Members, March 1, 2022 (updated February 18, 2022)

• British Columbia

  Boilermakers Lodge No. 191 Benefit Plan (BC)

  • Hospital bed

  Members of Boilermakers Lodge 191 (Victoria shipyards) and their dependants.

  Open the bookletBoilermakers Lodge No. 191 Benefit Plan booklet, effective September 1, 2016, with amendments to May 1, 2018

• British Columbia

  CMAW Benefit Plan (Construction Maintenance and Allied Workers, BC carpenters)

  • Hospital bed
  • Lift

  Members of the Construction Maintenance and Allied Workers (CMAW) in British Columbia and their dependants.

  Open the bookletThe CMAW Benefit Plan booklet, March 25, 2025

• British Columbia

  CMAW Retiree Benefit Plan (Construction Maintenance and Allied Workers, BC) - GreenShield billing division 30006

  • Hospital bed
  • Lift

  Retired CMAW members (members of the CMAW pension plans who retired on or after January 1, 2017) and their dependants.

  Open the bookletMy Benefit Plan Booklet, CMAW Workers Benefit Plan, billing division 30006, effective July 1, 2021 (file name: Retiree Booklet)

• British Columbia

  CSW Medical and Benefit Plan of BC (Construction and Specialized Workers’ Union Local 1611, LiUNA)

  • Hospital bed

  Members of the Construction and Specialized Workers’ Union Local 1611 (BC labourers) and their dependants.

  Open the bookletGetting to Know Your Health Care Benefits - CSW Medical and Benefit Plan of BC, January 2020

• British Columbia

  ILWU - Employer Association Health and Benefit Plan, active members (BC longshore)

  Active ILWU Canada longshore members in British Columbia and their dependants (plan administered by the Waterfront Employers of BC).

  Open the bookletILWU - Employer Association Health and Benefit Plan, Active Members booklet, effective January 1, 2021

• British Columbia

  Local 97 Ironworkers Health and Welfare Plan (BC)

  Members of Ironworkers Local 97 in British Columbia and their dependants.

  Open the bookletLocal 97 Ironworkers Health and Welfare Plan booklet, updated June 2025

• British Columbia

  Marine Workers Welfare Plan Trust Fund (Marine Workers and Boilermakers Industrial Union Local 1, BC shipyards)

  • Hospital bed

  Members of the Marine Workers and Boilermakers Industrial Union in BC shipyards and their dependants.

  Open the bookletMarine Workers Welfare Plan Trust Fund Plan Booklet, with amendments to January 1, 2025

• British Columbia

  Pile Drivers, Divers, Bridge, Dock and Wharf Builders Health Benefits Plan (Local 2404, BC)

  • Hospital bed

  Members of the Pile Drivers, Divers, Bridge, Dock and Wharf Builders Local 2404 in BC and their dependants.

  Open the bookletPlan Booklet effective January 1, 2026

• British Columbia

  Sheet Metal Workers (Local 280) Health Benefit Plan - active members (BC)

  Active members of Sheet Metal Workers Local 280 (Vancouver) and their dependants.

  Open the bookletSheet Metal Workers (L 280) Health Benefit Plan, Summary of Benefits, updated June 2026

• British Columbia

  Sheet Metal Workers (Local 280) Health Benefit Plan - retired and disabled members (BC)

  Retired and disabled members of Sheet Metal Workers Local 280 and their dependants.

  Open the bookletSheet Metal Workers (L 280) Health Benefit Plan, Summary of Retiree Benefits, updated June 2026

• British Columbia

  Sheet Metal Workers (Local 280) Health Benefit Plan(BC)

  • Hospital bed

  Active and associate members of Sheet Metal Workers Local 280, and retired members who have returned to work, with their dependants.

  Open the bookletYour Benefits - Sheet Metal Workers (Local 280), policy 1661: active members, associate members, retired and returned to work (April 2023)

• British Columbia

  Teamsters Local 213 Health and Welfare Plan - Dry Fund Division, Standard and Premium plans (BC)

  • Hospital bed

  Teamsters Local 213 members whose collective agreements place them in the Dry Fund Division (Standard or Premium plan), and their dependants.

  Open the bookletDry Fund Division: Standard Plan and Premium Plan Member Booklet, June 2016

• British Columbia

  Teamsters Local 213 Health and Welfare Plan - Hour Bank Division (BC construction and pipeline)

  • Hospital bed

  Teamsters Local 213 members working under hour-bank agreements (construction, pipeline) and their dependants.

  Open the bookletHour Bank Division Member Booklet, June 2019

• British Columbia

  Teamsters’ National Benefit Plan - Teamsters Local 31 Division (BC)

  • Hospital bed

  Teamsters Local 31 members covered through the Teamsters’ National Benefit Plan, and their dependants.

  Open the bookletTeamsters’ National Benefit Plan, Plan Summary, Teamsters Local 31 Division, January 1, 2019 (revised February 2019)

• British Columbia

  Teck retirees, class 900 (British Columbia, Territories, Manitoba and Trail retirees; USW Local 480)

  Retirees

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletEffective April 1, 2021

• British Columbia

  Trail Union Employees, USW Local 480 (Teck Trail Operations)

  Employees

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletEffective June 1, 2022

• British Columbia

  Transit Employees’ Health and Benefit Trust - Coast Mountain Bus Company, MoveUP members

  • Hospital bed

  Coast Mountain Bus Company (TransLink) office and technical employees represented by MoveUP; the same trust also covers Unifor 111 and 2200 members and exempt staff of CMBC, TransLink and BC Transit.

  Open the bookletYour Benefits - Transit Employees’ Health & Benefit Trust, Coast Mountain Bus Company (CMBC) MoveUP, reissued March 1, 2024

• British Columbia

  TWU-USW Employee Life and Health Trust, retirees (TELUS union retirees)

  • Hospital bed

  Retirees

  Open the bookletReissue date May 1, 2022

• British Columbia

  UA Local 170 Health and Wellness Plan (BC plumbers, pipefitters and welders)

  • Hospital bed

  Insured members of UA Local 170 (British Columbia piping trades) and their dependants.

  Open the bookletGroup Benefits Booklet, UA Local 170 Health & Wellness Plan, May 5, 2025

• British Columbia

  UFCW Local 247 Benefit Plan, Groups A and B (BC grocery and food workers)

  UFCW Local 247 members who work for participating employers, and their dependants.

  Open the bookletHealth and Dental Plan Member Information Booklet, UFCW Local 247 Benefit Plan Groups A and B, November 2025

• British Columbia

  UFCW Union Health and Welfare Plan (BC) - Safeway Division, Grid A

  • Hospital bed

  Grid A members in the Safeway Division of the UFCW Health and Welfare Plan in British Columbia (UFCW Locals 247 and 1518) who qualify for full benefit coverage.

  Open the bookletUnited Food & Commercial Workers Union Health & Welfare Plan, Grid A Benefits, September 2020

• Alberta

  Alberta Carpenters and Allied Workers (ACAW) Health and Wellness Plan

  Members of the Alberta Regional Council of Carpenters and Allied Workers and their dependants.

  Open the bookletHealth & Wellness Plan Booklet (PDF linked from the ACAW Trust Funds ’Health & Wellness Plan updates’ page)

• Alberta

  Edmonton Pipe Industry Health and Welfare Plan (UA Local 488)

  • Hospital bed

  Active members of UA Local 488 (Edmonton plumbers and pipefitters), self-pay members, retired members and their dependants.

  Open the bookletThe Edmonton Pipe Industry Health & Welfare Plan booklet, as at July 2023

• Alberta

  Electrical Industry Insurance Benefit Trust Fund of Alberta (IBEW Local 424)

  Members of IBEW Local 424 (Alberta electrical workers) and their dependants.

  Open the bookletPlan Booklet dated July 1, 2026

• Alberta

  Operating Engineers Local 955 Health and Wellness Plan - Retiree Benefit Plan (Alberta)

  Retired members of IUOE Local 955 who buy the optional retiree coverage.

  Open the bookletRetiree Benefits at Your Fingertips, January 1, 2026

• Alberta

  Operating Engineers Local 955 Health and Wellness Trust Fund (Alberta)

  • Powered mattress or surface

  Members of IUOE Local 955 (Alberta operating engineers, including oil sands and pipeline work) and their dependants.

  Open the bookletHealth & Wellness Plan booklet, effective January 1, 2025 (updated April 15, 2025)

• Alberta

  UFCW - Canada Safeway Limited Part-Time Employee Benefit Trust Fund (Alberta), UFCW Local 401

  • Lift

  Part-time employees of Sobeys Capital Incorporated at Safeway and other participating stores in Alberta who are members of UFCW Local 401, and their dependants.

  Open the bookletHealth Plan Member Information Booklet, UFCW - Canada Safeway Limited Part-Time Employee Benefit Trust Fund (Alberta), January 2024

• Alberta

  UFCW Local 401 - Real Canadian Superstore Benefit Trust Fund (Loblaw, Alberta, part-time employees)

  Part-time employees of Real Canadian Superstores and Liquorstores in Alberta (Loblaw) who are members of UFCW Local 401, and their dependants.

  Open the bookletHealth Plan Member Information Booklet, UFCW Local 401 Real Canadian Superstore Benefit Trust Fund, May 2024

• Ontario

  Canadian Construction Workers Union (CCWU) Benefit Trust Fund - active members (Ontario)

  • Hospital bed

  Active members of the Canadian Construction Workers Union covered by the CCWU Benefit Trust Fund, and their eligible dependants.

  Open the booklet2026 Member Booklet, Active Members, Canadian Construction Workers Union Benefit Trust Fund, effective January 1, 2026

• Ontario

  Canadian Construction Workers Union Benefit Trust Fund, retired members

  • Hospital bed

  Retirees

  Open the booklet2026 booklet (from the file name)

• Ontario

  IUOE Local 793 Life and Health Benefits Plan - active members (Ontario operating engineers, administered by OEBAC)

  Active members of the International Union of Operating Engineers Local 793 (Ontario crane and heavy equipment operators) and their dependants.

  Open the bookletActive Benefit Booklet, updated January 2023

• Ontario

  IUOE Local 793 retirees (OEBAC union trust plan)

  • Hospital bed

  Retirees

  Open the bookletUpdated January 2023

• Ontario

  Labourers’ Union Local 506 Members Benefit Trust Fund - active members (Ontario, LiUNA)

  • Hospital bed

  Active members of LiUNA Local 506 (Toronto-area labourers) and their eligible dependants.

  Open the booklet2026 Member Booklet, Active Members, effective January 1, 2026

• Ontario

  Labourers’ Union Local 506 Members Benefit Trust Fund - retired members (Ontario, LiUNA)

  • Hospital bed

  Retired members of LiUNA Local 506 and their eligible dependants.

  Open the booklet2026 Member Booklet, Retired Members, effective January 1, 2026

• Ontario

  LiUNA Local 183 Members Benefit Fund - Construction Division, active members (Ontario)

  • Hospital bed

  Active construction members of LiUNA Local 183 (Greater Toronto Area and central Ontario; the union’s largest local) and their eligible dependants.

  Open the booklet2026 Active Members Benefits booklet, Local 183 Members Benefit Fund, Construction Division, effective January 1, 2026

• Ontario

  LiUNA Local 183 Members Benefit Fund - Industrial Division, active members (Ontario)

  Active industrial-sector members of LiUNA Local 183 and their eligible dependants.

  Open the booklet2026 Benefit Booklet, Local 183 Members Benefit Fund, Industrial Division

• Ontario

  LiUNA Local 183 Members Benefit Fund - Retiree Division (Ontario)

  • Hospital bed

  Retired members of LiUNA Local 183 and their eligible dependants.

  Open the booklet2026 Retired Members Benefits booklet, Local 183 Members Benefit Fund, Retiree Division, effective January 1, 2026

• Ontario

  Ontario Ironworkers / Rodmen Benefit Plan

  • Hospital bed

  Members of the Ontario Ironworkers and Rodmen locals (province-wide plan) and their dependants.

  Open the bookletOntario Ironworkers / Rodmen Benefit & Pension Plans booklet, updated as of August 2022

• Ontario

  Power Sector Benefit Trust (Ontario power-sector trades: Canadian Union of Skilled Workers and Power Workers’ Union hiring hall)

  • Hospital bed

  Members covered by the Power Sector Benefit Trust in Ontario: trades working through the CUSW and Power Workers’ Union hiring halls for Ontario Power Generation, Hydro One, Bruce Power and their contractors.

  Open the bookletOntario Benefits booklet - Power Sector Benefit Trust, All Other Members Benefit Details (Canada Life group policy 330591), 2020

Large employers

• Canada-wide

  asrTrust (Auto Sector Retiree Health Care Trust), General Motors retirees

  • Hospital bed

  Retirees

  Open the bookletweb page saved 2026-11-11 (no document date)

• Canada-wide

  asrTrust - Auto Sector Retiree Health Care Trust, Chrysler Canada (CCI) retirees

  • Hospital bed

  Retired Unifor-represented Chrysler Canada (now Stellantis) hourly employees and their dependants covered by the Auto Sector Retiree Health Care Trust.

  Open the bookletMedical Equipment and Supplies - asrTrust, CCI retirees (web page)

• Canada-wide

  Canada Life Employee Benefit Plan, active employees (the insurer’s own staff plan)

  • Lift

  Employees

  Open the bookletPrepared September 14, 2023

• Canada-wide

  Canada Post - Extended Health Care Plan for Urban Postal Operations and Rural and Suburban Mail Carriers (CUPW)

  • Hospital bed

  Canada Post employees represented by the Canadian Union of Postal Workers (urban operations and rural and suburban mail carriers) and their dependants.

  Open the bookletExtended Health Care Plan benefit booklet, Urban Postal Operations & Rural and Suburban Mail, February 2022

• Canada-wide

  Canada Post retirees - Post-Retirement Extended Health Care Plan #162954 and Health Care Spending Account (Management and Exempt)

  Canada Post management and exempt employees who retired on or after January 2, 2011, and their dependants.

  Open the bookletPost-Retirement Extended Health Care Plan (EHCP) #162954 and Health Care Spending Account, updated June 2024

• Canada-wide

  Canada Post retirees - Post-Retirement Extended Health Care Plan #51391

  Eligible retired employees of Canada Post, their eligible dependants and survivors (must also have provincial health coverage).

  Open the bookletSummary of post-retirement health care benefits: Extended Health Care Plan #51391 and prescription drug coverage

• Canada-wide

  CN pensioners - Health Care Plan for CN Pensioners, sponsored by the CN Pensioners’ Association

  Retired Canadian National Railway employees and their dependants who enrol in the plan sponsored by the CN Pensioners’ Association (options A to D).

  Open the bookletPlan Booklet, Health Care Plan for CN Pensioners, effective January 1, 2026 (issued October 2025)

• Canada-wide

  RBC retirees - Retiree Benefits Program (retired before March 1, 1994)

  • Hospital bed

  Canadian employees of Royal Bank of Canada who retired before March 1, 1994.

  Open the bookletRetiree Benefits Program - Pre-March 1, 1994, June 1, 2026

• Canada-wide

  RBC retirees - Retiree Benefits Program (retired March 1, 1994 to December 31, 2009)

  • Hospital bed

  Canadian employees of Royal Bank of Canada and Royal Trust who retired after March 1, 1994 and before January 1, 2010; RBC Insurance retirees (1999 to 2009); RBC Investor Services retirees before 2010.

  Open the bookletRetiree Benefits Program - Post-March 1, 1994, updated June 1, 2026

• Canada-wide

  RBC retirees - Retiree FlexBenefits (retired on or after January 1, 2010)

  Canadian employees of Royal Bank of Canada who retired on or after January 1, 2010, and of RBC Investor Services who retired on or after January 1, 2018.

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletRetiree FlexBenefits: Your retiree booklet, January 2026

• Canada-wide

  RBC retirees in Canada (retired on or after January 1, 2010)

  • Hospital bed

  Retirees

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletJanuary 2026

• Canada-wide

  Scotiabank Canadian Benefits Plan

  • Hospital bed

  Employees

  Open the bookletFebruary 2022 (plan year April 1, 2022 to March 31, 2023)

• Canada-wide

  TD Bank Group - employee and retiree benefit programs (summary)

  TD employees in Canada, the U.K. and the U.S.; notes which groups have retiree medical and dental benefits.

  Open the bookletSummary of Benefit Programs, 2025

• Canada-wide

  TELUS active employees - Team TELUS Flex (non-union team members and Retail managers)

  TELUS regular full-time and part-time team members not covered by a collective agreement, and TELUS Retail area and regional managers, directors and support team members.

  Open the bookletTeam TELUS Flex Benefits Manual, January 2018

• Canada-wide

  TELUS Agriculture active employees - Team TELUS Flex

  TELUS Agriculture regular full-time and part-time team members not covered by a collective agreement.

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletBenefits Manual for TELUS Agriculture regular full-time and part-time team members not covered by a collective agreement, 2022

• British Columbia

  BC Hydro retirees - all groups (summary)

  BC Hydro pensioners (M&P, MoveUP and IBEW).

  Open the bookletRetiree Benefits Summary, June 2024

• British Columbia

  BC Hydro retirees - Management and Professional

  Retired BC Hydro management and professional employees: Class C (Basic option) and Class D (Extra option).

  Open the bookletYour Group Benefits (C and D) - British Columbia Hydro and Power Authority, M & P Retirees Basic Option and Extra Option, effective November 1, 2023

• British Columbia

  BC Transit - MoveUP employees (Healthcare Benefit Trust group 513)

  • Hospital bed

  BC Transit employees represented by MoveUP and their dependants.

  Open the bookletGroup benefit plan for MoveUP Employees (#513) at BC Transit, effective April 1, 2023

• British Columbia

  BC Transit - MoveUP retirees (Healthcare Benefit Trust group 521)

  • Hospital bed

  Retired BC Transit employees who were represented by MoveUP.

  Open the bookletGroup benefit plan for MoveUP Retirees (#521) at BC Transit, effective October 1, 2017

• British Columbia

  FortisBC Energy Inc. - Plan F, MoveUP Customer Service

  • Hospital bed

  FortisBC Energy Inc. customer service employees represented by MoveUP.

  Open the bookletFortisBC Energy Inc. Group Benefit Program, Plan F: MoveUP Customer Service (plan document G0086264, effective October 1, 2011)

• British Columbia

  FortisBC Energy Inc. - Plan H, MoveUP members (excluding Customer Care)

  • Hospital bed

  FortisBC Energy Inc. employees represented by MoveUP (excluding Customer Care).

  Open the bookletFortisBC Energy Inc. Group Benefit Program, Plan H: MoveUP (plan documents G0086264H, G0086350H and G0104403)

• British Columbia

  ICBC active employees - bargaining unit (MoveUP)

  Active Insurance Corporation of British Columbia bargaining-unit employees (MoveUP).

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletYour Group Benefits (2) - Active Bargaining Unit, effective January 1, 2024

• British Columbia

  ICBC retirees - bargaining unit (MoveUP)

  Retired Insurance Corporation of British Columbia bargaining-unit employees (MoveUP), Basic and Enhanced options.

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletYour Group Benefits (5) - Retired Bargaining Unit, effective April 1, 2024

• British Columbia

  TELUS active employees - Alberta and B.C. team members under Appendix A West of the TWU (USW Local 1944) agreement

  Regular full-time and part-time TELUS team members in Alberta and B.C. covered by Appendix A - West of the collective agreement with the TWU, USW Local 1944.

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletTeam TELUS Benefits for Alberta and B.C. Team Members covered under Appendix A - West, March 2022 (updated February 18, 2022)

• British Columbia

  Weyerhaeuser Company Limited - former MacMillan Bloedel hourly retirees (BC coastal forestry)

  • Hospital bed

  Retired hourly employees of the former MacMillan Bloedel (BC coastal sawmills, pulp and logging) now covered by Weyerhaeuser Company Limited.

  Open the bookletGroup Benefit Program booklet, Weyerhaeuser Company Limited, Plan BO - Former MacMillan Bloedel Hourly Retirees (plan document G0080156, effective January 1, 2010)

• Ontario

  Kinectrics - Power Workers’ Union employees, pensioners and dependants (Ontario power sector)

  Kinectrics employees represented by the Power Workers’ Union, and its pensioners and dependants.

  Open the bookletHealth and Dental Benefits: Understanding Your Plan, for Power Workers’ Union (PWU) Employees, Pensioners and Dependents, effective January 2023

• Manitoba

  Bell MTS retirees (Manitoba Telecom Services Inc. and participating subsidiaries)

  • Hospital bed

  Retirees of Manitoba Telecom Services (Bell MTS) and participating subsidiaries (Plans A to D).

  Open the bookletManitoba Telecom Services Inc. & Participating Subsidiaries Retirees - Benefits Booklet, October 2025

Other plans

• Canada-wide

  Free Methodist Church in Canada, active employees

  • Hospital bed
  • Lift

  Employees

  Open the bookletBooklet published October 6, 2025

• Canada-wide

  National Farmers Union members group plan, class 002

  • Hospital bed

  Association members

  Its booklet gives “orthopaedic mattresses” as an example of equipment that is not eligible.

  Open the bookletPolicy amended December 1, 2019

Insurers: ways to check coverage

An insurer’s name does not say what a plan covers. Two employers with the same insurer can have different plans. Use the insurer to find the booklet and to ask for an estimate or approval before you buy.

• Canada Life

  Its Healthcare Expenses Statement (form M7535) can be sent as a claim or as an estimate, including for medical equipment.

  Official source

• Sun Life

  Its member flyer says to have a doctor’s referral before buying any medical equipment and to get cost estimates from suppliers. Coverage is checked by signing in to its member site.

  Official sourceMember flyer, August 2021

• Manulife

  Its claims page says you can ask your equipment provider for a cost estimate and send it in for Manulife to review.

  Official source

• Desjardins

  Its claims page says to check your insurance booklet and to send a treatment plan before buying a product that costs over $500.

  Official source

• GreenShield

  Its Check Your Coverage page lets a member enter an estimated amount and open their benefit booklet online.

  Official source

• Medavie Blue Cross

  Its help page says buying equipment needs pre-approval, with two quotes from separate equipment providers. For most rentals it asks for a prescription.

  Official source

• Alberta Blue Cross

  Its claiming tips say a copy of the physician’s written order must go with a claim for health items other than drugs. It names no estimate step for equipment.

  Official source

• Saskatchewan Blue Cross

  Its group benefits questions page says an estimate can be sent in the same way as a claim.

  Official source

• Industrial Alliance (iA)

  Its medical expenses claim form can be sent as a claim or as an estimate. For a hospital bed it asks for a medical referral with the diagnosis and the expected length of time the bed is needed.

  Official sourceForm F54-326A, August 2021

• Beneva

  Its help page sends members to a tool in the Client Centre that estimates the reimbursement for an expense they enter.

  Official source

• Co-operators

  Its glossary describes predetermination: a member sends a cost estimate and the insurer replies in writing with what the plan will pay. It gives no amount and names no form.

  Official source

• Equitable

  Its claim form asks for receipts and supporting documentation. We did not find an estimate step for equipment on its public pages.

  Official sourceForm 466, June 2020

• Pacific Blue Cross

  We did not find a current page on an estimate step for equipment. Ask the plan before buying.

  Official source

Booklets and insurer pages checked November 11, 2026.

At home or in long-term care

Some plans pay only for equipment used in a private home. The federal Public Service Health Care Plan, for example, covers durable equipment “for use in the patient’s private residence, unless otherwise specified”. If the person lives in a care home, ask the plan whether equipment used there is eligible. More on long-term care.

Next step

Government and other programs by province · Back to help paying for equipment