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Women’s health

Women’s health needs evolve, from reproductive health and fertility to mental health, menopause, and other medical conditions. The ONE-T Benefits Plan provides benefits to support the full journey.

You told us: The recent Plan Member Survey highlighted an opportunity to help Plan Members better understand their coverage. With this in mind, we want to share how the ONE-T Benefits Plan can support women’s health (i.e., the benefits and resources that can support you today), and how we’re keeping an eye on emerging treatments and changing needs for the future.

Women’s health: support for every stage

Prescription drugs

The Plan will cover 90% of eligible prescription drugs – for example, contraceptives, anti-anxiety and cancer medications, and hormone replacement therapy (HRT).

Fertility drugs

If you’re growing your family and require fertility treatment, the Plan will cover up to $18,000* for eligible fertility drugs.

Mental health support

The Plan will cover 90% of eligible services from psychologists, social workers, marriage and family therapists, and psychotherapists, up to $1,400 per Plan Year (combined).

Paramedical support

The Plan will cover 90% of eligible paramedical services, up to $1,500 per Plan Year (combined). Choose the right practitioner for your needs – for example, prenatal massage from an RMT, nutrition or holistic health guidance from a dietitian or naturopath – and the Plan will cover up to $550 for each practitioner type.

Cancer support

The Plan will cover an external breast prosthesis once every 12 months, two surgical brassieres every 12 rolling months, and up to $1,000* for wigs.

*This is a lifetime maximum – see your Plan Booklet for more details.

Coverage is subject to the terms, maximums, and eligibility requirements of the ONE-T Benefits Plan, so be sure to check the Plan Booklet for complete details.

Does your School Board offer an Employee Assistance Program (EAP)? If so, consider how it can support you with childcare, eldercare, legal and financial challenges, professional counselling, and much more.

Spotlight on menopause care: what’s happening and what’s ahead

One area that’s changing quickly is menopause care (including perimenopause and post menopause).

Organizations such as the Menopause Foundation of Canada are committed to educating and preparing women for this phase of life and helping break down stigma and barriers that have prevented many women from seeking care.

As new treatments become available, we’ll continue to review them with support from our expert industry partners and consider if they can be covered by the Plan.

Hormone replacement therapy (HRT) is one current option that’s prescribed to treat perimenopause and menopause symptoms, including hot flashes and sleep disruption. According to a 2026 report from our service partner:

  • 58% – the increase in P/VP Plan Member claims for HRT from 2025 to 2026
  • $367,000 – the increase in plan spending on HRT from 2025 to 2026

We expect this trend to continue as research evolves and healthcare providers learn more about the potential benefits of HRT.

HRT is just one option, and there are increasingly more therapies entering the market that can help manage symptoms.

HRT isn’t a single medication – it’s a broad term for treatments that replace or supplement hormones, such as estrogen and progesterone. HRT can be delivered in many ways, and in many combinations:

  • Pills
  • Skin patches, gels, and sprays
  • Local treatments such as vaginal estrogen

Some individuals use intrauterine devices (e.g., Mirena) as part of their treatment.

Avoid surprises: before starting HRT, check with Canada Life to understand what’s covered by the ONE-T Benefits Plan. 

Looking for more info? Here are two resources:

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