Topic	Key Points
Canada Health Act	Provinces must cover: universal, comprehensive, portable, accessible, admin
EHC coverage	Drugs, paramedical, hospital upgrade, out-of-country emergency
Dental fee schedule	Plan pays % of scheduled fee; balance billing is patient's cost
Dental tiers	Basic: 80-100%; Major restorative: 50%; Orthodontics: lifetime max
CI survival period	Must survive (typically 30 days) after diagnosis to collect
LTC ADL trigger	Cannot perform 2 of 6 ADLs without substantial assistance
COB primary payer	Member's own plan pays first; dependent plan pays second
Birthday rule	Dependent child: parent with earlier calendar birthday = primary plan
EOI required	Late applicants and amounts above non-evidence maximum (NEM)