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, Health Wise, Health Wise Plus, ARTARx and ARTARx+Travel offer the widest array of coverage for retirees of any age. ARTARx is only available to Alberta residents and includes complete coverage for prescription drugs purchased through ARTA's plan-owned pharmacy.


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 - April 8, 2022.pdf



Benefit Plans Dental Plans
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EXTENDED HEALTH
CARE COVERAGE
PRIMARY HEALTH CORE HEALTH ESSENTIAL HEALTH ENHANCED HEALTH HEALTH WISE TOTAL HEALTH HEALTH WISE PLUS ULTIMATE HEALTH ARTA RX ARTA RX + TRAVEL
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
Under Age 65 Under Age 65 Under Age 65 Under Age 65 None None None None None None
Overall coverage level

80% unless otherwise indicated

80% unless otherwise indicated

80% unless otherwise indicated

80% unless otherwise indicated

80% unless otherwise indicated

80% unless otherwise indicated

80% unless otherwise indicated

80% unless otherwise indicated

100% for drugs dispensed by ARTARx**, 90% for other EHC benefits

100% for drugs dispensed by ARTARx**, 90% for other EHC benefits

Overall maximum per calendar year

$7,500

$10,000

$10,000

$15,000

$10,000

$10,000

$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.

Year 1: $600

Year 2: $900

Year 3+: $1,200

$1,500

$2,500

$5,000

$1,200 or $2,000

$1,200 or $2,000

$1,200 or $2,000

$1,200 or $2,000

$2,500 MAC pricing does not apply

$2,500 MAC pricing does not apply

Defined lifestyle prescription drugs
like those to treat hair loss or erectile dysfunction, maximum per calendar year

Not Included

Not Included

Not Included

Not Included

Not Included

Not Included

50% to $150/year

50% to $150/year

80% includes prescription weight-loss medication

80% includes prescription weight-loss medication

Vision care
maximum per 24 consecutive 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

$600 every 24 months

$600 every 24 months

Hearing aids
maximum per 35 consecutive months

Not included

$700

$900

$1,100

$1,300

$1,300

$1,500

$1,500

$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.*
$750
$750
$1,000
$1,500
$1,200
$1,200
$1,400
$1,400
$1,400
$1,400
Accidental dental

$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

$5,000/year

$5,000/year

Medical aids
such as canes, splints, braces, walkers, breast prosthesis, and medical appliances (maximums noted in Plan Text)

Not included

Included

Included

Included

Included

Included

Included

Included

Included

Included

Wheelchair and mobility scooter
maximum per five (5) consecutive calendar 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

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

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

$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

$1,000

$1,750

$1,750

$1,750

$1,750

$1,750

$1,750

$1,750

$2,000

$2,000

Private-duty nursing
maximum per calendar year

Not included

$1,500

$2,000

$2,500

$3,000

$3,000

$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

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

100% to $187/day

100% to $187/day

Home care
maximum 10 days following invasive procedure

Not included

Not included

Not included

Not included

$50/day

$50/day

$50/day

$50/day

$50/day

$50/day

Emergency Travel Insurance

Included

Included

Included

Included

Not Included

Included

Not Included

Included

Not Included

Included

Orthopedic Shoes

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

$750 every 3 years

$750 every 3 years

Foot orthotics
maximum per three (3) consecutive calendar 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

$300 every 3 years

$300 every 3 years

Dental Coverage

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

Optional

Optional

Member Assistance Plan Included Included Included Included Included Included Included Included Included Included