No question is dumb, especially when it comes to insurance. 

Now, you may want to call them to see if anything has changed but the way it's worked for me is I pay a premium of $70 (it's up to $76 now), and that covers my family for eye care and my ostomy supplies. 

For the part about allowances there are limits ($1500, 2500, 5000) corresponding to how long you've been with them. The first year you get up to $1500 coverage (on medical supplies) and after three years you get max $5000. 

Note, they don't start covering you until you've used up all your government ostomy grant, so there's more than enough coverage for anyone. 

Let me know if you've got any other questions. I've been with them for over three years now. 

Thanks for explaining that to me. Looks like I'll be giving them a call. 

@veganostomy  Hi there. I have to change my plan and this looks like just what I need.Am curious though. What do you mean by government ostomy grant?

Posted by: @jrachr

What do you mean by government ostomy grant?

This will explain it, assuming you are in one of the Canadian provinces that offer grants: https://www.veganostomy.ca/ostomy-supply-costs-canada/#Government_Grants

@veganostomy 

Thank you for the info.I will have to call about this. I did not know about this cancer thing. I live in Nova Scotia  and being retired now can always use the help. Got cancer back in 2003 and after they were done ended up with a colostomy.I am guessing that the attached number for NS covers both programs? As I am only 63 at the moment the low income wouldn't work but the cancer society might?

Posted by: @jrachr

.I am guessing that the attached number for NS covers both programs?

It looks like it, but it also looks like those support programs kick in when you turn 65. I would still inquire now to see if anything else might be available in the meantime, or at least you can prepare whatever paperwork they need for when you turn 65. Good luck!

@veganostomy  Thanks.Will check anyways.Maybe some other websites out there. Cheer's