Choosing healthcare coverage—medical, prescription drug, dental, and vision—is a personal decision based on your needs and the people you cover. Your Pandora healthcare benefits, provided through Canada Life, are designed to help you and your family access care, manage everyday health needs, and feel supported when life brings something unexpected.
Healthcare coverage enhancements!
New for September 1—Pandora is adding and expanding several Canada Life coverage features, including adding family building benefits, wigs, breast prostheses, IUD coverage, pharmacogenetic testing, and a broader list of eligible mental health practitioners. Keep reading this page to learn more about the benefits enhancements you will have beginning September 1.
Medical coverage
Your Canada Life medical coverage helps with everyday and unexpected care, including hospital care, diagnostic services, practitioner visits, medical supplies, virtual health, and out-of-province emergency coverage.
| What’s covered | Plan pays / limit |
|---|---|
| Annual deductible | No deductible |
| Semiprivate hospital | 100% reimbursement |
| Out-of-province emergency medical insurance | 100% reimbursement; 60-day trip duration |
| Medical services and supplies | 80% reimbursement, subject to reasonable and customary charges and plan maximums |
| Paramedical services | 80% reimbursement, up to $300 per practitioner per year |
| Virtual health and medical second opinion | Included |
| Out-of-pocket maximum | Refer to your Canada Life booklet |
Benefits enhancements for September 1
| Coverage update | What’s covered |
|---|---|
| Family building benefits | $10,000 lifetime maximum |
| Wigs | $600 lifetime maximum |
| Breast prosthesis | $500 per year |
| IUD coverage | Standard coverage, secondary to provincial or federal programs |
| Pharmacogenetic testing | Covered under the plan |
Expanded mental health practitioners
Starting September 1, Canada Life coverage includes an expanded list of eligible mental health practitioners, giving you more flexibility to find support that fits your needs.
Eligible mental health practitioners
Eligible mental health practitioners
- Psychologist
- Guidance counsellor
- Social worker
- Registered Clinical Counsellor (RCC)
- Canadian Certified Counsellor (CCC)
- Psychotherapist
- Psychoeducator
- Marriage counsellor
- Psychoanalyst
Additional eligible practitioners
Additional eligible practitioners
- Marital, couple, or family therapist
- Sexologist
- Certified addiction counsellor
- Registered Professional Counsellor (RPC)
- Licensed Counselling Therapist (LCT)
- Registered Counselling Therapist (RCT)
- Registered Therapeutic Counsellor (RTC)
- Master Therapeutic Counsellor (MTC)
Virtual care options
Offered through Consult+
Consult+ is a virtual healthcare and telemedicine app that provides 24/7 on-demand access to doctors, nurses, and other health professionals.
- Nonurgent care: Access licensed healthcare practitioners by chat, audio, or video for minor illnesses, rashes, prescription renewals, and mental health support.
- Prescription management: Providers can send prescriptions directly to your local pharmacy electronically or arrange for delivery.
- No out-of-pocket costs: Interacting with health professionals through the app is free.
- Family coverage: Coverage often extends to dependents, provided they are covered under your plan.
How to set up your account and access Consult+
- Go to mycanadalifeatwork.com and sign in to access Consult+.
- If you don’t have an online account yet, select Register and follow the on-screen steps to create one.
- Have your plan number and member ID handy. You can find both on your Canada Life benefits card, or on My Canada Life at Work if you don’t have your card nearby.
- Once your account is set up, access Consult+ through the Consult+ mobile app or from a web browser.
Teladoc Health
Whether you’re dealing with a complex health condition, have medical questions or concerns, or need guidance on treatment options, Teladoc Health can support you in making informed, confident health decisions.
Mental health navigator: Expert psychologists and psychiatrists review each diagnosis and treatment plan and deliver a personalized action plan, with navigator support throughout the journey.
Weight management program: A holistic program that addresses medical, psychological, and lifestyle factors, with nurse case manager support and specialist physician involvement when medication is appropriate.
Menopause care program: Evidence-based virtual care for perimenopause and menopause, including personalized support for symptoms like hot flashes, night sweats, sleep disturbances, brain fog, and anxiety.
How to set up your Teladoc account
- Visit My Canada Life to start your Expert Medical Services case online.
- You can also call (877) 419-2378 if you prefer to start by phone.
- Follow the prompts to initiate your case, and provide the requested information so Teladoc Health can connect you with the right support.
- After your case is started, Teladoc Health will coordinate your review with a team of specialists and guide you through next steps.
Prescription drug coverage
Your prescription drug coverage can help reduce what you pay for eligible medications. Some medications may require prior authorization before Canada Life can approve coverage.
| What’s covered | Plan pays / limit |
|---|---|
| Prescription drugs | 80% reimbursement |
| Generic drugs | 80% reimbursement |
| Brand-name drugs | 80% reimbursement; costs may differ depending on plan rules and generic availability |
| Specialty medications | 80% reimbursement; some medications may require prior authorization or be subject to plan maximums |
| Prior authorization | Certain drugs require approval before they’re covered |
Important: If a brand-name drug is chosen when a generic is available, your out-of-pocket cost may be higher depending on your plan’s rules.
Dental coverage
Your dental coverage helps with preventive care and other eligible dental services. Coverage is based on the current dental fee guide for your province of residence.
| What’s covered | Plan pays / limit |
|---|---|
| Deductible | No deductible |
| Basic and supplementary services | 80% reimbursement |
| Oral exams | Twice per year |
| Cleaning | 6 scaling units |
| Major restorative services | 50% reimbursement |
| Crowns, dentures, and bridges | Included under major restorative services |
| Annual maximum | $2,500 combined annual maximum for basic, supplementary, and major restorative services |
| Orthodontia | Refer to your Canada Life booklet |
Vision care
Your vision coverage can help with eligible eye exams, prescription lenses, frames, contact lenses, or other covered vision expenses.
| What’s covered | Plan pays / limit |
|---|---|
| Eyewear | 100% reimbursement, up to $250 per person every 24 months |
| Eye exams | 100% reimbursement once every 24 months, subject to reasonable and customary charges |
Accessing your plan membership
You can access your benefit cards, verify coverage, and view plan details through the My Canada Life at Work app or website. After you register and sign in, use your account to view your benefits plan information, access your benefits card, submit eligible claims, review claims history, and update direct deposit.
- Register or sign in: Go to My Canada Life at Work or use the mobile app (Google Play | App Store).
- Access your benefits card: Once signed in, look for your benefits card in your plan member account.
- Review coverage: Use your account to check your coverage levels and benefits plan details.
- Get help: If you have trouble registering or signing in, contact My Canada Life at Work support.
Need help? Use the following table to help guide whom you need to contact.
| Contact | When to use | Phone / email |
|---|---|---|
| Plan member health and dental coverage, and claims inquiries | Questions about health, dental and vision coverage or claims | Phone: (800) 957-9777 Email: Use the Contact us option within My Canada Life at Work or on canadalife.com. |
| Member self-serve enrollment technical support | Technical support for plan members using member self-serve enrollment | Phone: (833) 526-2313 |
| My Canada Life at Work plan member support | Help registering or signing in | Phone: (888) 222-0775 |
