ARM Health Insurance

OSSTF offers retiree health insurance coverage to all education employees regardless of affiliate membership. The ARM health plans are administered by OTIP (Ontario Teachers Insurance Plan).

 

OTIP is the leading provider of insurance products for Ontario's education employees, offering innovative plan design options. OSSTF has partnered with OTIP to create three comprehensive health care plans for retirees – with the unique needs of educators in mind. The ARM health plans offer a wide range of benefits that can be customized to fit your lifestyle and financial situation. OTIP's representatives are here to ensure you get the coverage that's right for you.

 

At retirement, we all must assume responsibility for insuring ourselves against the costs of many fundamental health care expenses not covered by the provincial health insurance plan. Please take a careful look at our plans and compare. You'll soon discover that the ARM health plans lead the industry with real innovation in savings and service that many other plans simply don't offer.

 

Each plan includes prescription drug coverage for all participants, regardless of age.

 

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A truly comprehensive plan design for your health needs

  • $4,000 in prescription drug coverage per person per year
  • Unlimited semi-private hospital accommodation coverage with 100% coinsurance
  • Coverage for vision, hearing and paramedical services
  • Deluxe travel insurance
  • Dental coverage can be added at any time

 

ARM Prestige 2500

Excellent plan with extensive medical coverage

  • $2,500 in prescriptions drug coverage per person per year
  • Unlimited semi-private hospital accommodation coverage options with 80% coinsurance
  • Coverage for vision, hearing and paramedical services
  • Deluxe travel insurance
  • Dental coverage can be added at any time
  • Coordination with the Ontario Drug Benefit at age 65 for optimal coverage and affordability

 

ARM Prestige 750

Great value for members over the age of 65

  • $750 in prescriptions drug coverage per person per year
  • Coverage for vision, hearing and paramedical services
  • Deluxe travel insurance
  • Dental coverage can be added at any time
  • Coordination with the Ontario Drug Benefit at age 65 for optimal coverage and affordability

 

ARM Travel Insurance
ARM Deluxe Travel Insurance (included with all ARM health plans)

  • Emergency medical expenses up to $2 million Canadian per person, per trip
  • Coverage remains effective for up to 95 consecutive days per trip, unlimited trips
  • $6,000 trip interruption and trip cancellation built in
  • Travel card offers coverage 24 hours a day, 7 days a week

Top Up Coverage

Top up coverage available for trips over 95 days.

 

Dental Coverage
ARM Dental Coverage

  • Coverage for basic and preventative care, basic restorative, major restorative and denture care
  • Dental coverage can be added to any of the ARM health plans or purchased as a stand alone plan under ARM Prestige
  • Add dental coverage at anytime without penalty or restriction periods before you can claim full benefits
  • Reimbursement is based on the current year's Ontario Dental Association Suggested Fee Guide for General Practitioners

Plan Information

For information on the ARM health insurance program or to set up a policy, contact an OTIP life and living benefits sales representative at 1-800-267-6847.

Planning Your Retirement

 

 

OSSTF   60 Mobile Drive, Toronto, ON   M4A 2P3   1-800-267-7867  |  www.osstf.on.ca
OTIP   125 Northfield Drive West, PO Box 218 Waterloo, ON   N2J 3Z9   1-800-267-6847  |  www.otip.com