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
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 (per 2 years)
70%; $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
Travel plan discount (additional coverage)
15%
Stability clause (days)
90
* "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)
Level A - $100/$500
Level B - $100/$500
Level C - $100/$800
Level D - $100/$1200
Level E - $100/$1200
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)
Level A - $100
Level B - $300
Level C - $300
Level D - $300
Level E - $600
Dental benefits
Coverage
Annual Maximum (per benefit year)
Level A - $500
Level B - $1,000
Level C - $1,500
Basic and preventive care (3-month waiting period; includes checkups, cleanings, fillings, extractions and root canals)
Level A - 70%
Level B - 75%
Level C - 80%
Removable prosthodontics (dentures) (1-year waiting period)
Level A - 0%
Level B - 50%
Level C - 50%
Periodontics (1-year waiting period)
Level A - 0%
Level B - 50%
Level C - 80%
Extensive; includes crowns, bridges and implants (2-year waiting period)
Level A - 0%
Level B - 50%
Level C - 50%
Orthodontic (2-year waiting period; per lifetime)
Level A - 0%
Level B - 0%
Level C - 50%; $2,000
Prescription drug
Coverage
Maximum (per year; includes diabetic supplies and Glucose Monitoring Systems (GMS), contraceptives, smoking cessation and vaccines)
Level A - $500
Level B - $1,000
Level C - $2,000
Coverage level
Level A - 70% direct bill
Level B - 70% direct bill
Level C - 70% direct bill
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