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

Benefit Plans Dental Plans
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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