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 four 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.
Unlimited coverage for “catastrophic” health care expenses
In addition to the benefits of ARM Prestige, ARM Prestige Elite offers coverage for catastrophic health care expenses - those that can devastate a family’s finances
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Additional protection from unforeseen health care expenses related to acute sickness, serious accident or medical emergency
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100% coverage for prescription drugs, with no annual maximum, when eligible claims exceed $4,500 per calendar year
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Additional $25,000 in combined coverage, per calendar year, for home care, private duty nursing, durable medical equipment and prosthetic appliances when eligible claims exceed $7,500 per calendar year
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Unlimited chiropractor and physiotherapy coverage for 12 consecutive months after an accident requiring a 24-hour hospitalization
Learn more about ARM Prestige Elite.
Flexible to ensure your financial well-being is always protected
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Choose between $500 and $1000 in prescriptions drug coverage per person per year
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Hospital coverage options (up to unlimited semi-private) to suit your needs
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Coverage for vision, hearing and paramedical services
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Deluxe travel insurance
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Dental coverage can be added at any time
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Coordination with the Ontario Drug Benefit at age 65 for optimal coverage and affordability
Learn more about ARM Prestige.
(Coordinating benefits?)
Effectively covers your basic health care needs with a highly affordable benefit plan
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$750 in prescription drug coverage per person per year
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$100 semi-private or private hospital coverage
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Paramedical benefits
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Deluxe travel insurance
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Dental coverage can be added at any time
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Vision and hearing aid coverage is not available
Learn more about ARM Economy.
A truly comprehensive plan design for your health needs
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$2,700 in prescription drugs per person per year
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Unlimited semi-private hospital coverage
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Coverage for vision, hearing and paramedical services
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Deluxe travel insurance
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Dental coverage can be added at any time
Learn more about ARM Original.
ARM Deluxe Travel Insurance (included with all ARM health plans)
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Emergency medical expenses up to $2 million Canadian per person, per trip
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Coverage remains effective for up to 62 days per trip, unlimited trips
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$6,000 trip interruption and trip cancellation built in
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Travel card offers coverage 24 hours a day, 7 days a week
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View complete details of the coverage and exclusions offered under the ARM deluxe travel insurance (PDF, 379 KB)
Top Up Coverage
Top up coverage available for trips over 62 days.
ARM Dental Coverage
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Coverage for basic and preventative care, basic restorative, major restorative and denture care
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Dental coverage can be added to any of the ARM health plans or purchased as a stand alone plan under ARM Prestige
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Add dental coverage at anytime without penalty or restriction periods before you can claim full benefits
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Reimbursement is based on the prior 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