Fast Facts

• You are eligible if you are associated with a Participating Organization through membership or employment.
• Drug, Health and Dental Care coverage is offered as a package.
• Insurance coverage increases in year 2 and year 3.
• You may choose to pay premiums annually or monthly.
• You may insure your eligible dependant(s) for coverage (your spouse and each eligible dependant child under 18 or under 26 if still in school).
• Your eligible dependant(s) have the option to continue coverage in the event of your death.
• Your coverage becomes effective the first day of the month after AFBS approves your Enrolment Form and premium payment.
• Your Benefit Year runs for 12 months from the effective date of your coverage. For example, if your membership began effective November 1, 2009, your Benefit Year would run from November 1, 2009 up to October 31, 2010. The second Benefit Year would run from November 1, 2010 to October 31, 2011.
• Your premium costs are guaranteed for twelve months from the effective date of your coverage.
• You will receive a Claim Card with an AFBS member account number. You will use this card when going to the pharmacy or visiting your dentist.
• Some drug prescriptions and dental claims can be processed immediately from the pharmacy or dental office. This eliminates the need to send a paper claim to AFBS for processing.
• Your pharmacist or dentist will let you know when you need to submit a paper claim form.
• Dental Care treatment that is expected to cost $500 or more, and other major dental services, will require pre-authorization before treatment begins.