Why Young adult?
Our young adult plan is designed to help you maintain and support your health and give you peace of mind with health and dental benefits that focus on prevention.
You can take care of yourself today with benefits for:
- massage therapy,
- physiotherapy,
- mental health,
- dental and,
- prescription drug coverage.
Compare coverage levels
Extended health benefits
You can choose a coverage level for some extended health benefits. This lets you build a plan that’s right for you.
The total for all extended health claims is $5,000 (excluding Accidental Death and Dismemberment, travel insurance and Term Life Insurance).
Core benefits
These benefits come with set coverage amounts.
Paramedical
included
Ambulance services (ground and air)
100%
Psychologist (per visit)
$100
Massage therapist (per visit)
$50
Physiotherapist (per visit)
$50
Chiropractor (per visit)
$40
Individual Assistance Program (IAP) (per calendar years)
12 sessions
Hospital coverage
included
Hospital cash (per day/per year)
$20 / $400
Preferred hospital accommodations (per year; semi-private or private rooms)
$750
Vision
included
Overall maximum (every 24 months from date of service)
$150
Eye exam maximum (included in overall maximum)
$85
Life
included
Accidental Death and Dismemberment**
$15,000
Term life,** terminates at age 55*
$10,000
Wellness
included
Balance®—online program that promotes wellness and helps you live a healthier lifestyle.
Virtual Care—telemedicine program that offers 24/7 access to physical and mental health care professionals.
Blue Advantage®—discount program for health and wellness products.
Care navigation®—lifestyle and chronic disease management through our website.
Medical device supplies
included
Accidental dental (per incident)
$2,000
Custom braces (70% co-pay; per 2 years)
$750
Medical aids (per year; casts, canes, cervical collars, crutches, walkers, splints, trusses and traction kits)
$250
Surgical stockings (per year)
$200
Travel
included
Maximum (per participant, per trip) terminates at age 65*
$5 million
Travel days (per trip)
10 days
Discount on Emergency Medical Care applied to the extra days you need
15%
Discount on Trip Cancellation or Interruption
10%
Access to Flight Delay Service
Included
Stability clause
90 days
* "Terminates at age" references the age when a benefit is no longer available for that specific individual.
** Underwritten by Blue Cross Life Insurance Company of Canada.
Customizable benefits
You can customize your benefits to fit your needs. Only 1 level may be selected for your plan.
Coverage
Psychologist (per visit/per year)
Basic $100/$500
Enhanced $100/$500
Enhanced+ $100/$800
Premium $100/$1,200
Premium+ $100/$1,200
Eligible expenses for individual or family counselling for treatment of mental or emotional illness, including assessment, provided by a psychologist, those with a master of social work degree, a registered social worker or other health care professional approved by us in our discretion.
Chiropractor, massage and physiotherapy combined maximum (per year)
Basic $100
Enhanced $300
Enhanced+ $300
Premium $300
Premium+ $600
Dental benefits***
Coverage
Annual maximum (per benefit year)
Basic $500
Enhanced $1,000
Enhanced+ $1,500
Basic and preventive care (3-month waiting period; includes checkups, cleanings, fillings, extractions and root canals)
Basic 70%
Enhanced 75%
Enhanced+ 80%
Removable prosthodontics (dentures) (1-year waiting period)
Basic 0%
Enhanced 50%
Enhanced+ 50%
Periodontics (1-year waiting period)
Basic 0%
Enhanced 50%
Enhanced+ 80%
Extensive; includes crowns, bridges and implants (2-year waiting period)
Basic 0%
Enhanced 0%
Enhanced+ 50%
Orthodontic (2-year waiting period; per lifetime)
Basic 0%
Enhanced 0%
Enhanced+ 50%; $2,000
***Alberta Blue Cross® Individual Health Plan Usual and Customary Dental Fee List.
Prescription drug
Coverage
Maximum (per year; includes diabetic supplies and Glucose Monitoring Systems (GMS), contraceptives, smoking cessation and vaccines)
Basic $500
Enhanced $1,000
Enhanced+ $2,000
Coverage level (direct bill)
Basic 70%
Enhanced 70%
Enhanced+ 70%
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