Compare Benefit Plans
ARTA offers ten different benefit plans, ensuring that each member can choose the plan that suits them best in their lifestyle.
Introductory Plan
Primary Health is perfect for active employees and retirees under age 65 who are not transitioning from an employer-sponsored health plan. It offers basic coverage at an affordable rate, allowing you to transition into a more advanced plan when you become eligible.
Comprehensive Plans
Core, Essential and Enhanced Health include a little bit of everything, offered at higher levels to support you until you qualify for Alberta's Coverage for Seniors Plan at age 65. Each plan offers different levels of coverage allowing you to fine-tune your coverage to best suit your needs.
Build-Your-Own Plans
Working in tandem with Alberta's Coverage for Seniors benefit plan, Total Health, Ultimate Health, Complete Health, Health Wise, Health Wise Plus and Health Wise Rx offer the widest array of coverage for retirees of any age. Health Wise Rx is only available to residents within the pharmacy service zone and includes complete coverage for prescription drugs purchased through ARTA's plan-owned pharmacy. Please visit the Health Wise Rx page for more information.
How does ARTA compare?
ARTA offers the greatest variety of choice in benefit plans, allowing you to select the coverage that works best for your retirement lifestyle. ARTA isn't your only choice - there are multiple organizations that offer retiree benefit plans.
ARTA & Competitor Benefit Plans - Comparison Chart
EXTENDED HEALTH
CARE COVERAGE |
HEALTH WISE RX | COMPLETE HEALTH | PRIMARY HEALTH | CORE HEALTH | ESSENTIAL HEALTH | ENHANCED HEALTH | HEALTH WISE | TOTAL HEALTH | HEALTH WISE PLUS | ULTIMATE HEALTH |
---|---|---|---|---|---|---|---|---|---|---|
Premiums
based on age, coverage and eligibility
|
Use the filters to set your age, coverage and eligibility to display premium amounts. | Use the filters to set your age, coverage and eligibility to display premium amounts. | Use the filters to set your age, coverage and eligibility to display premium amounts. | Use the filters to set your age, coverage and eligibility to display premium amounts. | Use the filters to set your age, coverage and eligibility to display premium amounts. | Use the filters to set your age, coverage and eligibility to display premium amounts. | Use the filters to set your age, coverage and eligibility to display premium amounts. | Use the filters to set your age, coverage and eligibility to display premium amounts. | Use the filters to set your age, coverage and eligibility to display premium amounts. | Use the filters to set your age, coverage and eligibility to display premium amounts. |
Age Restrictions
based on primary plan member
|
None | None | Under Age 65 | Under Age 65 | Under Age 65 | Under Age 65 | None | None | None | None |
Overall coverage level | 100% for drugs dispensed by ARTARx**, 90% for other EHC benefits |
100% for drugs dispensed by ARTARx**, 90% for other EHC benefits |
80% unless otherwise indicated |
100% unless otherwise indicated |
100% unless otherwise indicated
|
100% unless otherwise indicated |
80% unless otherwise indicated |
80% unless otherwise indicated |
80% unless otherwise indicated |
80% unless otherwise indicated |
Overall maximum per calendar year | $10,000 |
$10,000 |
$7,500 |
$10,000 |
$10,000
|
$15,000 |
$10,000 |
$10,000 |
$10,000 |
$10,000 |
Prescription drugs
per calendar year for drugs on the ARTA Drug Benefit List.
Least cost alternative and therapeutic alternative reference pricing applies.
See Plan Text for details.
|
$2,500 MAC pricing does not apply |
$2,500 MAC pricing does not apply |
Year 1: $600 Year 2: $900 Year 3+: $1,200 |
80%, to $1,500 |
80%, to $2,500
|
80%, to $5,000 |
$1,200 or $2,000 |
$1,200 or $2,000 |
$1,200 or $2,000 |
$1,200 or $2,000 |
Defined lifestyle prescription drugs
like those to treat weight loss, hair loss, or erectile dysfunction, maximum per calendar year
|
80% |
80% |
Not Included |
Not Included |
Not Included
|
Not Included |
Not Included |
Not Included |
50% to $150/year |
50% to $150/year |
Vision care
maximum per 24 consecutive months
|
$600 every 24 months |
$600 every 24 months |
$200 every 24 months |
$200 every 24 months |
$350 every 24 months
|
$500 every 24 months |
$425 every 24 months |
$425 every 24 months |
$550 every 24 months |
$550 every 24 months |
Hearing aids
maximum per 35 consecutive months
|
$1,500 |
$1,500 |
Not included |
$700 |
$900
|
$1,100 |
$1,300 |
$1,300 |
$1,500 |
$1,500 |
Paramedical coverage
such as chiropractor, physiotherapist, massage therapist, acupuncturist, and podiatrist. Combined maximum per calendar year. See Plan Text for full list of covered practitioners.*
|
$1,400 |
$1,400 |
$750 | 80%, to $750 |
80% to $1,000 |
80% to $1,500 |
$1,200 | $1,200 | $1,400 | $1,400 |
Accidental dental | $5,000/year |
$5,000/year |
$2,000 per incident |
$2,500 per incident |
$2,500 per incident
|
$3,000 per incident |
$3,500/year |
$3,500/year |
$3,500/year |
$3,500/year |
Medical aids
such as canes, splints, braces, walkers, breast prosthesis, and medical appliances (maximums noted in Plan Text)
|
Included |
Included |
Not included |
Included |
Included
|
Included |
Included |
Included |
Included |
Included |
Wheelchair and mobility scooter
maximum per five (5) consecutive calendar years
|
Manual: $2,000 Electric: $5,000 every 5 years |
Manual: $2,000 Electric: $5,000 every 5 years |
Not included |
$1,500 every 5 years |
$1,500 every 5 years
|
$1,500 every 5 years |
Manual: $2,000 Electric: $5,000 every 5 years |
Manual: $2,000 Electric: $5,000 every 5 years |
Manual: $2,000 Electric: $5,000 every 5 years |
Manual: $2,000 Electric: $5,000 every 5 years |
CPAP/breathing monitor and accessories
maximum per five (5) consecutive calendar years
|
$2,000 every 5 years |
$2,000 every 5 years |
Not included |
$500 every 5 years |
$500 every 5 years
|
$750 every 5 years |
$2,000 every 5 years |
$2,000 every 5 years |
$2,000 every 5 years |
$2,000 every 5 years |
Diabetic supplies
including blood glucose test strips and flash blood glucose
monitors (for insulin-dependant diabetics) per calendar year
|
$2,000 |
$2,000 |
$1,000 |
$1,750 |
$1,750
|
$1,750 |
$1,750 |
$1,750 |
$1,750 |
$1,750 |
Private-duty nursing
maximum per calendar year
|
$3,000 |
$3,000 |
Not included |
$1,500 |
$2,000
|
$2,500 |
$3,000 |
$3,000 |
$3,000 |
$3,000 |
Ambulance
ground and air
|
Included |
Included |
Included |
Included |
Included
|
Included |
Included |
Included |
Included |
Included |
Private or semi-private hospital room | 100% to $187/day |
100% to $187/day |
Semi-private 30 days per year |
Semi-private or private 30 days per year |
Semi-private or private 30 days per year
|
Semi-private or private 30 days per year |
100% to $187/day |
100% to $187/day |
100% to $187/day |
100% to $187/day |
Home care
maximum 10 days following invasive procedure
|
$50/day |
$50/day |
Not included |
Not included |
Not included
|
Not included |
$50/day |
$50/day |
$50/day |
$50/day |
Emergency Travel Insurance | Not Included |
Included |
Included |
Included |
Included
|
Included |
Not Included |
Included |
Not Included |
Included |
Orthopedic Shoes | $750 every 3 years |
$750 every 3 years |
Not included |
$500 every 3 years |
$500 every 3 years
|
$500 every 3 years |
$500 every 3 years |
$500 every 3 years |
$500 every 3 years |
$500 every 3 years |
Foot orthotics
maximum per three (3) consecutive calendar years
|
$300 every 3 years |
$300 every 3 years |
Not included |
$300 every 2 years |
$300 every 2 years
|
$300 every 2 years |
$300 every 3 years |
$300 every 3 years |
$300 every 3 years |
$300 every 3 years |
Dental Coverage | Optional |
Optional |
70% coverage of basic $750 combined maximum preventative and minor restorative |
80% coverage of basic $1,000 combined maximum preventative and minor restorative |
80% coverage of basic
$1,750 combined maximum
preventative and minor restorative
|
80% coverage of basic $2,000 combined maximum, preventative and minor restorative 50% for major restorative $2,000 lifetime maximum 50% coverage for orthodontics |
Optional |
Optional |
Optional |
Optional |
Virtual Health Resources
including virtual physicians and mental health counselling
|
Included | Included | Included | Included | Included | Included | Included | Included | Included | Included |