Compare coverage levels


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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.



Ambulance services (ground and air)


Psychologist/counselling (per visit)


Massage therapist (per visit)


Physiotherapist (per visit)


Chiropractor (per visit)


Hospital coverage


Hospital cash (per day/per year)

$20 / $400

Preferred hospital accommodations (per year; semi-private or private rooms)




Overall maximum (every 24 months from date of service)


Eye exam maximum (included in overall maximum)




Accidental Death and Dismemberment**


Term life,** terminates at age 55*




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


Accidental dental (per incident)


Custom braces (per 2 years)

70%; $750

Medical aids (per year; casts, canes, cervical collars, crutches, walkers, splints, trusses and traction kits):


Surgical stockings (per year):




Maximum (per participant, per trip) terminates at age 65*

$5 million

Travel days (per trip)


Travel plan discount (additional coverage)


Stability clause (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.


Psychologist/counseling (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


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


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 A - 70% direct bill

Level A - 70% direct bill

Purchase or get a quote Contact a benefit specialist

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