Standard
Smart, dependable everyday coverage
$148.59 / month
+8% Retail Sales Tax · Single coverage
- 80% Drugs | $3,000 annually
- 80% Parameds | $350 per practitioner
- 80% Dental | $1,500 annually
- $150 Vision
- Travel | 90 days | $5,000,000
Exclusive offer for OAFM members
Health and dental plans for OAFM members.
No health questions, guaranteed approval for eligible members, and pre-existing conditions covered. Apply within 90 days of your membership date. This is a one-time offer.
- No health questions, ever
- Guaranteed approval for eligible members
- Pre-existing conditions covered
Two plans, priced for the group.
Choose your coverage type to see your monthly rate.
Luxury
Premium protection without compromise
$272.74 / month
+8% Retail Sales Tax · Single coverage
- 100% Drugs | $20,000 annually
- 80% Parameds | $500 per practitioner
- 100% Dental | 50% Major | $2,000 annually
- $300 Vision
- Travel | 90 days | $5,000,000
See full coverage details
Prescription drug coverage
Formulary and non-formulary drugs
| Benefit | Standard | Luxury |
|---|---|---|
| Coverage per person, per year | 80% of lowest-cost alternative up to $3,000 | 100% of lowest-cost alternative up to $20,000 |
Health practitioners
Acupuncture, massage therapy, dietician, chiropractic, physiotherapy/athletic therapy, naturopath, osteopathy, speech therapist, chiropody/podiatry
| Benefit | Standard | Luxury |
|---|---|---|
| Annual maximum per person | $350 per practitioner at 80% | $500 per practitioner at 80% |
Mental health
Clinical psychologists, counsellors, social workers, psychotherapists
| Benefit | Standard | Luxury |
|---|---|---|
| Annual maximum per person | $350 combined | $500 combined |
Vision and eye care
Eye exams, glasses, contact lenses and surgery
| Benefit | Standard | Luxury |
|---|---|---|
| Coverage per 2 years | $150 | $300 |
Travel coverage
| Benefit | Standard | Luxury |
|---|---|---|
| Emergency medical | 90 days for an unlimited number of trips, $5 million lifetime maximum | 90 days for an unlimited number of trips, $5 million lifetime maximum |
Emergency and medical equipment
| Benefit | Standard | Luxury |
|---|---|---|
| Diabetic supplies (per person, per year) | $300 | $500 |
| Oxygen equipment | $500 | $500 |
| Ambulance (air and ground) | Unlimited | Unlimited |
| Casts and crutches | Unlimited | Unlimited |
Hospital and nursing
| Benefit | Standard | Luxury |
|---|---|---|
| Semi-private hospital rooms | Unlimited | Unlimited |
| Private duty nursing | $2,500 | $5,000 |
| Accidental injury to natural teeth | $2,000 per injury | $2,000 per injury |
Orthotics and supplies
| Benefit | Standard | Luxury |
|---|---|---|
| Custom foot orthotics | One pair every 5 years per person | One pair every 5 years per person |
| Ostomy supplies | $300 per calendar year | $300 per calendar year |
| Prosthetic appliances | $10,000 lifetime maximum per person | $10,000 lifetime maximum per person |
| Wheelchairs, scooters and hospital-style beds | One every 5 years per person | One every 5 years per person |
| Patient walkers | One every 5 years per person | One every 5 years per person |
| Breast prosthesis | One per breast, every 5 years per person | One per breast, every 5 years per person |
Additional benefits
| Benefit | Standard | Luxury |
|---|---|---|
| GMS Care Network | Unlimited short-term services | Unlimited short-term services |
| Survivor benefit | 12 months | 12 months |
Why OAFM members choose group benefits
An association advantage you won't find on the open market.
No health questions
Skip the medical questionnaire. Eligible members qualify on membership alone.
Guaranteed approval
If you're eligible, you're in. No surprises, no underwriting roadblocks.
Pre-existing conditions covered
Your past health history won't stand between you and your coverage.
Stable group pricing
Pooled coverage means predictable, association-exclusive rates with stable renewals.
Expert advisor support
A dedicated advisor walks with you from application through enrollment.
Simple enrollment
Apply in minutes and complete the process with secure electronic signatures.
When you can enroll
Existing members
Already an OAFM member? Enroll during your priority enrollment period to secure your coverage.
New members
Joining your association? You'll have 90 days from your membership start date to enroll in your plan.
Loss of coverage
Lost your group benefits elsewhere? You have 90 days to step into coverage and stay protected.
Life events
Marriage, divorce, or a new baby? You have 31 days from the event to update or enroll your coverage without health questions.
Important: you must keep an active membership in your association to remain eligible for coverage. Each enrollment scenario has its own time window.
How to apply
- 01
Complete the application
Fill out the short form with your membership details. It takes about 60 seconds.
- 02
Secure your rate
An advisor from Your Friend With Benefits confirms your eligibility and locks in your group rate.
- 03
Sign with OneSpan
Review and sign your enrollment documents electronically via OneSpan.
- 04
Get your welcome kit
Receive your coverage details and member materials before your start date.
Your application is not complete until signed. Submitting the form starts it. You'll receive OneSpan documents to review and sign before enrollment is finalized.
Questions
Do I need to answer health questions to qualify?
No. Eligible OAFM members get guaranteed approval with no health questions asked, and pre-existing conditions are covered, subject to plan terms and eligibility windows.
What is included in the Standard plan?
Standard includes Gold 1 Health ($3,000 prescription drug coverage) and Standard Dental ($1,500 annual maximum).
What is included in the Luxury plan?
Luxury includes Platinum 3 Health ($20,000 prescription drug coverage) and Gold Dental ($2,000 annual maximum).
How do I complete my application?
Complete the online application, secure your rate, sign via OneSpan, and receive your welcome kit. Your application is not complete until signed.
Coverage details, eligibility windows, rates, and pre-existing condition treatment are subject to plan terms, member eligibility, and confirmation by the underwriter at the time of enrollment.