Caf Victory booklet - 2017.compressed

caf2017

DISCOUNT PROVIDER

PROGRAM


ATTENTION

Victory Benefit and Discount Card plan members.

This Program is NOT Insurance. This program is a Discount

Provider Program.

Enclosed is the current - Provider Discount Fee Schedule. Please

use this updated fee schedule until further notice.

Also enclosed for your convenience, is a list of the most

commonly used dental procedures, along with an updated Terms

& Conditions of the Victory Benefit and Discount Program.

If you need any further assistance at any time, please call

647-575-7650 or Email - info@secureitinsurance.com

For a list of Healthcare Providers, please visit

www.secureitinsurance.com

All Plans Include:

• Dental

• Vision

• Paramedical

• Law Guidance

• Traffic Ticket Defence


All CAF players and families have access to both Platinum

Dental and Gold Dental.

Important Note: All CAF players will receive 30% discount off

of the Gold Dental Providers with the exception

of major dental which is 10% off the current

O.D.A fee guide.

No Discount applies to: Anesthesia, Appliances, Implants, Lab

Fees or Whitening Procedures.

*All other CAF family members will receive the regular

Platinum & Gold Dental Discounts.


Current Discount Fee Schedule

Please read booklet completely for details of how to use this Victory discount dental plan.

IMPORTANT: Please check your membership card to insure which discount provider plan you are

enrolled in.

Dental

The Victory Benefit and Discount Card enables the card holder to save their hard earned dollars on

all their dental care needs. No discount will be given if a person is referred to a specialist.

This program is not only designed to save you money on routine procedures, such as cleaning,

fillings, x-rays, but to also include major procedures such as root canals, dentures, crowns, bridges,

oral surgery etc, when performed by a general dentist.

Depending on the plan you choose this card will save you anywhere from 10% to 60% on your

dental needs.

Choose a dentist from the “Provider list” enclosed for your dental procedures.

Just show your card when you get to the dentist’s office and start saving immediately.

*Important: The fee you pay has already been discounted – pay directly to the dental office.

*Important: If 48 hrs notice has not been given to cancel or change an appointment a $50.00

charge will be applied.

*Important: There is no yearly maximum on usage of this dental savings plan

**Important: if you are not sure of your (%) of savings please call 647-575-7650 before you receive

any services

PLATINUM DENTAL

Coverage

(%) off the current O.D.A fee price

Ongoing Maintenance Services

Examination – 60%

Diagnostic services – 60%

Preventive services – 60%

Pit and fissure sealant – 60%

Restorations-Amalgam – 40%

White – 34%

Scaling – 60%

Root planing – 50%

Surgical services – 30%

Oral Surgery,

Endodontics,Periodontics

Endodontic – 30%

Denture repair/ reline/ rebase,

adjustments – 30%

Adjunctive services – 50%

Space maintainers – 30%

Periodontal services – 30%

Major Restorative

Dentures – 30%

Crowns – 30%

Bridges – 30%

Orthodontics – individual

case by case consideration –

no specific (%) savings

Other Services

30% off current O.D.A fee guide

** Dental savings vary on each procedure

*** Lab fees are not discounted

**** Payment terms to the Dentist are: C.O.D. unless other arrangements are made with the dental

office


Ongoing Maintenance Services

Examination – 20%

Diagnostic services – 20%

Preventive services – 20%

Pit and fissure sealant – 20%

Restorations-Amalgam – 20%

White – 20%

Scaling – 20%

Root planing – 20%

Surgical services – 20%

GOLD DENTAL

Coverage

(%) off the current O.D.A fee price

Oral Surgery,

Endodontics,Periodontics

Endodontic – 20%

Denture repair/ reline/ rebase,

adjustments – 20%

Adjunctive services – 20%

Space maintainers – 20%

Periodontal services – 20%

Major Restorative

Dentures – 10%

Crowns – 10%

Bridges – 10%

Orthodontics – individual

case by case consideration –

no specific (%) savings

Other Services

10% off current O.D.A fee guide

** Dental savings vary on each procedure

*** Lab fees are not discounted

**** Payment terms to the Dentist are: C.O.D. unless other arrangements are made with the dental

office


Invisible Aligners


The following is a list of the most common dental procedures:

Adjunctive Services

Adjunctive services are additional therapeutic services rendered including prevention of

pain and/or treatment for relief.

Amalgam

An alloy made up of many metals, in which mercury is one of them. It is also known as a

silver filling. It is primarily used on the back teeth (molars).

Bridgework

A fixed prosthetic device consisting of artificial teeth (pontics). It can replace one or more

missing teeth, and can not be removed from the mouth. The pontics are supported by

attaching them to abutment teeth (the teeth beside the pontic).

Composite

A man-made resin that is used for coloured restorations, primarily on the front teeth.

Crowns

When a filling is not possible a crown is fabricated. A crown is an artificial restoration that

covers the entire surface of the tooth above the gum line.

Denture Repair

After a certain period of time, a denture goes through normal wear and tear and may need

to be repaired. This simple repair may be repaired by the dentist in the office, but if it is a

more difficult repair that is required, it must be sent to a laboratory.

Denture

A removable prosthesis used to replace all or some missing teeth within the same arch.

Partial Denture

A prosthetic device containing artificial teeth. It is supported by its attachment to natural

teeth with special retainers fabricated by a laboratory. This type of denture can be worn on

upper and lower arches, and can be removed for cleaning etc.

Full Denture

An impression is takes by the dentist, of the dental arch that is missing teeth. The denture

is fabricated by the laboratory. It can be removed for cleaning or at bedtime etc. This type

of denture can be made for both upper and lower arches.

Diagnostic Services

Diagnostic services are necessary procedures that are performed to recognize and identify

any condition that may be abnormal, and their causes. These diagnostic procedure may

include one or more of the following: examinations, x-rays, clinical and laboratory tests.

Endodontic Services

Services performed to diagnose and treat diseases that occur within the pulp and tissues

surrounding the tooth root. Common procedures include root canal and periapical surgery.

Examinations

Initial Examination

This is performed on a new patient. A complete medical and personal history is recorded,

and then a full diagnostic examination of the teeth, gums and surrounding tissue is

achieved.


Recall Examination

A re-examination of the gums, teeth and tissue, that occurs on a regular interval basis. Its

purpose is to maintain a level of dental health.

Orthodontics

The specialty concerned with the detection, prevention and correction of improper

positioning of the teeth in relationship to the jaws.

Periodontal Services

The diagnosis and treatment of the tissues and bone, which surround and support the teeth.

Pit and Fissure Sealants

A clear plastic material placed in deep grooves and crevices found on the biting surfaces

of the back teeth. This protects the grooves from trapping plaque or other bacteria that

may cause decay.

Preventative Services

Services that are performed to help avoid, seize, or decrease any undesirable conditions,

which may cause diseases in the oral cavity. These preventative services are home care

instructions, scaling, sealants, polishing, and fluoride treatments.

Rebase

Rebasing is to replace the entire denture’s base material, on an existing prosthesis.

Reline

Relining is to resurface the tissue side or side that fits next to the gum of a partial or full

denture, so it fits more accurately.

Restoration

A restoration is the use of a dental material to replace the diseased or lost portion of a

tooth, to replace its function.

Root Planning

Root planning is the removal of plaque and other toxins from the root of a tooth, resulting

in a smooth surface by using specific instruments.

Scaling

Scaling is the removal of plaque, tartar, and stains from the tooth above and below the

gum line by using specific instruments.

Space Maintainers

An appliance that is used after the loss of a primary tooth to maintain the space in the arch

until the permanent tooth erupts.

Surgical Services

A surgical service is the diagnosis and surgical management of oral diseases, injuries, or

certain defects of the jaws. The surgical services include extraction (removal) of teeth.


Vision Examinations

Basic Eye Examination

Victory Member Fee - $44.00

Includes:

- Case history

- Refraction

- Slit lamp examination

- Counseling

________________________________________________________________________

Comprehensive Eye Examination

Victory Member Fee - $80.00

Includes:

- Case history

- Refraction

- Slit lamp Examination

- Intraocular eye pressure test

- 3D fundus exam

- Digital fundus photos

- Counseling

_____________________________________________________________________

Retail

Victory Member Discount – 20%-30%

- Contact Lenses

- Corrective eyewear (frames/lens)

- Designer eye

All Vision providers are certified to practice in the province of Ontario

How to use the Vision Benefit Discount

1. Call the Optical provider(s) on the provider list located in your booklet

2. Inform the receptionist that you are a “Victory member”

3. NOTE: Discounts DO NOT apply to items that are on sale

4. Pay directly to the receptionist, submit the vision claim to your group insurance

company(if applicable)

5. You will be responsible for any amount not covered by your insurance company


Paramedical Services

The following reduced fee schedule, applies to all employee’s that are currently covered

through Secure It Insurance Services and have Paramedical coverage through their

Group Insurance Carrier And/Or are covered under the Victory Benefit and Discount

Card.

1. Custom Orthotics – As low as $300.00

Includes: - Initial exam

- Orthotic appliance

- Follow up exam

- All taxes

*** Note*** Custom Orthotic Shoes are NOT reduced

2. Physiotherapy - 20%

3. Registered Massage Therapy - 20%

4. Podiatrist/Chiropodist - 20%

5. Chiropractor - 20%

6. Acupuncture - 20%

7. Naturopath - 20%

How to use the discounted feature

1. Call the Paramedical service provider listed in your package

2. Give the receptionist your membership number, and inform them that you are a

Victory member”

3. Arrange the appointment

4. Pay directly to the Paramedical office, submit your claim to the Insurance Carrier for

reimbursement (if applicable)

Important: By using this added discount feature, it will enable you and your employer to

reduce Paramedical claims.


S.I.L.P

Welcome to YOUR Legal Plan!

Congratulations! As a member of the Secure it Law Protection you now have the comfort of knowing you have

affordable access to legal guidance and services through our experienced lawyers.

We are pleased to enclose your membership package which includes your membership card with a summary of your

benefits. Through the Secure it Law Protection plan you now have:

Access to free preliminary telephone legal guidance (toll-free) from an experienced lawyer during normal

business hours. (1 call per matter)

Access to legal services at discounts of (25%) off national average rates (see the back of your card-carrier)

Access to further discounted packaged rates for Estate Services such as: Wills and Powers of Attorney

Please take some time to read the enclosed materials so you will understand just how easy it is to take advantage of

your legal plan.

Whether you are dealing with day to day events that raise legal questions or problems, making or revising your

Will or Powers of Attorney, buying a house or entering into a contract, timely legal guidance can now be yours,

in the least expensive and most convenient way possible.

We encourage you to take advantage of your membership whenever you require legal expertise.

Yours very truly,

SECURE IT

LAW PROTECTION

Membership Services

647-575-7650


S.I.L.P

SECURE IT

LAW PROTECTION

Secure it Law Protection Legal Fee Rates

***FIXED RATES FOR ESTATE PLANNING MEMBER SERVICES IN ONTARIO***

FEATURE

Basic Will

PACKAGE #1: SINGLE MEMBER PACKAGE

FIXED FEE SERVICES

Will (Simple) - (1) Subscriber

LEGAL FEE RATES

$ 200.00

Document Preparation

FEATURE

Basic Will

Power of Attorney for Property

Power of Attorney for Personal Care (Living Will)

Total

PACKAGE #2: SINGLE MEMBER PACKAGE

FIXED FEE SERVICES

Will (Simple) (1) Subscriber

$ 120.00

$ 120.00

$ 440.00

LEGAL FEE RATES

$ 200.00

Will (Simple) - (2) Spouse (Done at the same time as

subscriber)

$ 150.00

Document Preparation

Power of Attorney for Property (Subscriber)

Power of Attorney for personal Care/Living Will (Subscriber)

Power of Attorney for Property (Spouse)

Power of Attorney for Personal Care/Living Will (Spouse)

Total

PLEASE NOTE: Rates shown do not include applicable taxes & disbursements

and are subject to review and change.

$ 120.00

$ 120.00

$ 120.00

$ 120.00

$ 830.00


S.I.L.P

IMPORTANT KEEP FOR FUTURE REFERENCE

SECURE IT

LAW PROTECTION

Congratulations, Secure it insurance services has arranged a new benefit for you - access to free unlimited preliminary

legal guidance plus access to other legal services at preferred member rates.

S.I.L.P. is a comprehensive service designed to provide you and your family with complete access to the legal services you

need, when you need them.

Now getting advice will be: EASIER MORE AFFORDABLE LESS INTIMIDATING

Have you ever found yourself in a situation when you felt you should talk to a lawyer, but did not because of the time, effort

and cost involved? This happens to many of us. In fact 1 in 3 Canadians need legal services each year. Your new benefit

gives you a convenient and cost-effective way to handle a wide range of legal matters, whether they are problems or dispu tes

that arise unexpectedly, , or periodic planned events such as home purchase or estate planning.

Your S.I.L.P. benefit has: Free preliminary telephone legal guidance.

Preferred rates when retaining a lawyer.

PLEASE CAREFULLY READ THE INFORMATION OF THIS CARD TO FULLY UNDERSTAND HOW YOUR PLAN WORKS.

WHAT TO EXPECT FROM YOUR PLAN

S.I.L.P. provincially-based lawyer will give you preliminary

telephone legal guidance and information with regards to

your legal matter, in order to achieve understanding of your

situation and your options going forward. If you have a

legal problem, the lawyer will give you information and guidance

as to your rights and how best to deal with your issue.

NOTE: Your Plan provides you with unlimited telephone

preliminary legal guidance calls. However, in order to maintain

levels of services for all members, you may make only one call

on each matter, as only one should be necessary.

If you decide to retain a lawyer to further assist you, you’ll receive a

direct referral to one of S.I.L.P.’s network of experienced, community

based lawyers for personal service at preferred members’ rates.

Our referral specialist will select the most appropriate lawyer for

your legal matter.

USING REFERRAL SERVICES

If you wish to retain a lawyer, simply:

Call the number on the front of your card, during business hours

Choose the option for a referral to a lawyer.

Give the S.I.L.P. intake person your name and membership number.

Once the referral has been arranged, the referral specialist will

contact you with the referral lawyers’ contact information and you

may schedule an appointment at your convenience.

USING TELEPHONE GUIDANCE SERVICES

When unexpected issues arise, preliminary telephone legal guidance

can help you understand your rights and options.

With your membership number handy, call the telephone number on

the front of you membership card during business hours.

There is a short one-time card activation process if you have not

already activated your membership.

Identify yourself as a S.I.L.P. member. Your immediate family members

living with you may also use your membership.

We do our best to have a lawyer available with expertise in your area

of need. If you have to leave a message, your call will be returned

as soon as possible and not later than with 48 hours during the

regular business week.

IMPORTANT

THINGS TO KEEP

IN MIND:

1. Member’s fixed fees and hourly rates do not include disbursements

(out-of-pocket expenses incurred by your lawyer on your behalf), or taxes

2. Lawyers customarily require retainer before providing services to clients.

This is paid to the lawyer o“n account” when service begins and the full

account is credited against the total bill after service is provided. Please

discuss with your lawyer the potential requirement for a retainer and the

amount, before requesting service.

3. Members may not use the plan against a plan sponsor (any organization

through which you received S.I.L.P. or for collective agreement matters.

4. Neither S.I.P. nor a plan sponsor is responsible for any acts or

omissions on the part of any legal service provider in our legal

network. One call per matter to enhance issue focus.

cut

&

fold

Membership Card

For FREE preliminary telephone legal

guidance during business hours.

CALL: 647-575-7650

Member Name:

Membership Number:

-----------------------------------------

IMPORTANT: FOR FREE LEGAL GUIDANCE

1. Call the number on the front of this card.

2. Choose the option that applies to you.

3. Give the intake person name and membership number.

4. State the nature of your problem and how urgent it is.

We do our best to have a lawyer available with expertise in

your area of need. If you have to leave a message, your

call will be returned as soon as possible.

(one call per matter/one matter per call to enhance issue focus.)

cut

&

fold


S.I.L.P

TRAFFIC TICKET DEFENCE BENEFIT

As a Victory Benefit and Discount card member, you and your family will have access to

an experienced professional traffic ticket defender, able to defend you and your family for

the following offences:

- Speeding

- Careless Driving

- Driving under suspension

- No insurance offences

- Red light

- Stop sign

- All other moving violations

SECURE IT

LAW PROTECTION

COMPLIMENTARY INITIAL CONSULTATION

All Victory members and their families will receive a 25% discount for all moving

violations defending.

ENHANCED BENEFIT

Victory Members ONLY

Speeding Ticket offence ( 16-29km over)

$300.00 + HST

Member Services

647-575-7650

Disclaimer: Secure It Law Protection/Secure It Insurance/The Victory Benefit and

Discount Card/ and Spartan Legal Services in no way guarantee results of traffic ticket

defending. All cases are different, and there is NO guarantee of a successful outcome.

Traffic ticket defence being offered through:

Spartan Legal Services

www.spartantraffictickets.com


PLATINUM DENTAL PROVIDERS

Etobicoke

Dr. Giovanni (John) Guido

5080 Dundas Street West

Etobicoke, Ontario

(416) 239-4999

(Dundas/Bloor)

Toronto

Dr. Danuta J. Nowak

Brampton

Wellfort Community Health Services

Health n' Smiles

40 Finchgate Blvd., Suite #325

Brampton, Ontario

(905) 799-8748

(Finchgate/Queen)

2323 Bloor Street West, Suite # 209

Toronto, Ontario

(416) 769-1285

( Bloor/Windemer )

Oakville

Dr. Marcelina Benedito

487 Cornwall Road, Unit E5

Oakville, Ontario

(905) 844-8253

(Cornwal/Chartwell Rd)

Rexdale

Martingrove Dental Office

301 Silverstone Drive

Rexdale, Ontario

(416) 749-3414

(Albion/27)

Mississauga

Lakeshore Dental Office

611 Lakeshore Road East

Mississauga, Ontario

(905) 278-2913

(Lakeshore/Cawthra)


GOLD DENTAL PROVIDERS

Ajax

Dr. G. H. Dagg Dental Surgery

73 Old Kingston Road

Ajax ON L1T 3A6

(905) 683-3700

ajax@teethfirstdental.com

Barrie

Dr. Steve Mocrae Dentistry

400 Bayfield Street

Barrie, ON L4M 5A1

(705) 737-2050

Bellville

Dentistry by the Bay

220 Dundas Street, East, 2nd Floor

Belleville, Ont. K8N 1E3

(613) 966-5118

(613) 962-2134

Brampton

Kennedy Dental & Orthodontics

49 Hillcrest Ave, Suite 102

Brampton, Ont. L6W 4V4

(905) 453-2440

Burlington

Beacon Hill Dental Centre

2501 Guelph Line, Unit 4

Burlington, Ontario L7M 2A3

(905) 336-2496

Chatham

South Chatham Dental Centre

575 Queen Street,

Chatham, Ontario N7M 2J7

(519) 351-0727

Hanover

Hanover Family Dental Centre

467 10th Street

Hanover, Ontario N4N 1R3

(519) 364-1118

Kingston

King’s Town Dental

2815 Princess St, #3

Kingston, Ontario K7P 2X2

(613) 634-6004

Etobicoke

Etobicoke Dental Health Centre

5353 Dundas Street, West, Suite 500

Etobicoke, Ontario M9B 6H8

(416) 232-1688

Fergus

Grand River Dental Centre

445 St. Andrew Street., West

Fergus, Ontario N1M 1P2

(519) 843-1991

Hamilton

Dentistry on the Mountain

651 Upper James St., Unit #105

Hamilton, Ontario L9C 5R8

(905) 667-0490

Westdale Dental Centre

875 Main St. West

Hamilton, Ontario L8S 4P9

(905) 529-1251

Fenworth Dental

550 Fennell Ave, East

Hamilton, Ontario L8V 4S9

(905) 318-7703


GOLD DENTAL PROVIDERS

Niagara Falls

Dentistry on the Falls

5628 Main St.

Niagara Falls, On L2G 5Z4

(905) 374-2295

North Bay /Callander Bay

Callander Bay Dental Center

299 Main St North

Callander, On P0H 1H0

(705) 752-1510

Toronto

Bite Dental

106 Mutual Street, Unit #4,

Toronto, Ontario M5E 1G4

(416) 777-2483

Jane Street Dental

2780 Jane St., Suite 210

Toronto (North York), On M3N 2J2

(416) 742-5249

Yonge and Front Dental

33 Yonge St.

Toronto, On M5E 1G4

(416) 364-2444

Trenton

Mike the Molar Dental Centre

169 Dundas Street E

Trenton, On K8V 1L5

(613) 394-8888

Welland

Canal City Dental

Lasalle

Eye Smile Dental

2055 Sandwich Pkwy West

(Behind Windsor Crossing Outlet Mall)

Lasalle, On M9H 2S4

(519)250-5056

London

Dr. Zheng and Associates

141 Wharncliffe Rd., South

London, On N6J 2K4

(519) 680-1880

Markham

Markham Healthplex Dental Centre

5995 14th Ave #A /2B,

Markham, On L3S 0A2

(289) 859-9901 ext 2

Milton

Hawthorne Village Dental

206 – 10220 Derry Rd.,

Milton, Ontario L9T 7J3

(905)864-3368

Mississauga

City Square Dental

3660 Hurontario Suite 201

Mississauga, On L5B 3C4

(289) 521-2555

Windsor

Eye Smile Dental

2055 Sandwich Pkwy West

(Behind Windsor Crossing Outlet Mall)

Lasalle, Ontario M9H 2S4

(519)250-5056

136 East Main Street

Welland, On L3B 3W6

(905) 788-9166


PARAMEDICAL PROVIDERS

Mississauga

The Heath First Group

6981 Millcreek DriveUnit #8

Mississauga, On

(905) 821-0262

Bristol Rehab Medical Clinic

60 Bristol Rd, East Suite #4

Mississauga, On

(905) 501-0035

Oakville

Dr. Marcelina Benedito

487 Cornwall Road , Unit E 5

Oakville, Ontario

(905) 844-8253

(Cornwal/Chartwell Rd)

Rexdale

Martingrove Dental Office

301 Silverstone Drive

Rexdale, Ontario

(416) 749-3414

(Albion/27)

Mississauga

Lakeshore Dental Office

611 Lakeshore Road East

Mississauga, Ontario

(905) 278-2913

(Lakeshore/Cawthra)

Brampton

Wellfort Community Health Services

Health n' Smiles

40 Finchgate Blvd., Suite #325

Brampton, Ontario

(905) 278-2913

(Lakeshore/Cawthra)


VISION PROVIDERS

Mississauga

Dr. Maria Pineda

2515 Hurontario St.Unit #2001

Mississauga, On

(905) 566-8230


TERMS AND CONDITIONS

This booklet is the Terms & conditions for the Victory Benefit and Discount Card.

Premiums and level of discounts are subject to change. The Victory Benefit

Program makes every effort to keep the fees to a minimum for our members. The

terms & conditions of this discount program may be changed at anytime without

prior notice.

This discount program may be cancelled by either party (Victory Benefit

plan/Secure It Insurance Services or the subscriber) by submitting 30 days

written notice to the other party.

The service providers are all licenced professionals, authorized to practice their

profession in the province of Ontario. The service providers are subject to

change. The Victory Benefit and Discount Card, has the right to add or delete

service providers at any time.

The Victory Benefit and Discount card and Secure It Insurance Services will not

be responsible for the availability, quality or results of any treatment, care,

supplies, or services provided by the service providers listed in the provider list.

You will be given a discount on services by using a provider from the

enclosed list.


647-575-7650 www.secureitinsurance.com

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