Health Insurance In New Brunswick – Are you covered for Health, Dental or Vision?

Getting health insurance coverage when you are healthy is undoubtedly one of the best decisions you will ever make.

If you wait until you become ill or injured to apply for a health insurance plan, your coverage could be limited or even denied. If you are accepted, your premiums could be much higher and your existing medical conditions will not be covered, leaving you to pay for the costs associated with your illness.

New Brunswick Provincial health plans generally do not cover prescription drugs, dental work or even treatments that happen outside the hospital or doctor’s office. Personal health insurance guarantees you access to affordable treatments and provides coverage towards expensive drugs, dental work and other costly health expenses.

Benefits of Individual Health Insurance:

  • Access to costly prescription drugs for as little as 20% to a maximum of $50
  • Up to $500 annually for services such as massage, physio, chiropractor and more
  • Vision Care coverage for eyeglasses up to $300
  • Up to 80% coverage for expensive dental services such as routine exams, cleanings and fillings
  • Between $10,000 to $25,000 lump sum cash provided in the event you suffer a severe heart attack, severe stroke or another specified critical illness

Why Individual Health Insurance?

Health insurance helps to cover health expenses that are not covered by your provincial health plan. Government health plans typically only cover the cost of treatment and medications while you are in hospital and doctor’s visits. It is a wise decision to protect you and your family members from having to pay medical expenses out of pocket — and to get individual insurance while you are still healthy.

Blue country insurance blue cross elements advisor

Elements – Flexible, Simple, and Personal.

The Elements by Medavie Blue Cross health plan offers 6 different modules that can be mixed and matched to fit your needs and your budget. The end result is a flexible plan that can follow you through life.

Whether you are a young adult at college or university, just starting out, self-employed, buying a home, ready to start a family or planning for retirement, there is a plan for you. Once you are accepted, you can change your plan to suit your time of life.

As an agent for Medavie Blue Cross, we will be happy to work with you to develop the plan you need, at a price you can afford. In addition, we will keep in touch with you so that changes can be made to your plan during key life events like marriage, separation or divorce, and birth or adoption of a child.

Build Your Own Plan


Customize your plan using the following modules:

Entry Health Benefits 60% Essential Health Benefits 70% Enhanced Health Benefits 80%
Accidental Death & Dismemberment
$10,000 & $5,000 $15,000 & $5,000
Accidental Death
$7,000 / lifetime $7,000 / lifetime $7,000 / lifetime
$400 / year $500 / year
$420 / year $420 / year
$250 / year $400 / year $500 / year
Mobility Aids
$250 / year $400 / year $500 / year
Diabetic Supplies
$250 / year $400 / year $500 / year
Medical Equipment
Hearing Aids
$400 / 5 years $500 / 5 years
Massage Therapy
$400 / year $500 / year
$400 / year $500 / year
Nursing Care
$3,500 / 2 years $5,600 / 2 years
Occupational Therapist
$250 / year $400 / year $500 / year
Orthotics and Orthopedic Shoes
$150 / year $150 / year $225 / year
$250 / year $400 / year $500 / year
Medical Services and Supplies
Physiotherapy / Athletic Therapy
$250 / year $400 / year $500 / year
Podiatrist / Chiropodist
$250 / year $400 / year $500 / year
Psychologist / Social Worker
$250 / year $400 / year $500 / year
InConfidence for Individual
Speech Therapist
$250 / year $400 / year $500 / year
Chronic Disease Management
$250 / year $400 / year $500 / year
Semi-Private Hospital
100% / 90 days
100% / 30 days
Vision Care
$100 / 2 years $150 / 2 years $300 / 2 years
Essential Drug Benefits Enhanced Drug Benefits
70% 80%
Coverage (after eligible claims reach $4,500 in a year)
100% 100%
Overall benefit maximum per year
None None
Maximum co-pay per prescription
$50 $50
Maximum out of pocket co-pay per year
$1,350 $900
Birth Control
Fertility Drugs
$400 / year $500 / year
Diabetic Supplies
$1,500 / year up to $3,000 / lifetime
Allergy Serums
$500 / year
Smoking Cessation
$800 / 5 calendar years $800 / 5 calendar years
Entry Health Benefits Essential Health Benefits Enhanced Health Benefits
Basic Dental Coverage
60% ($500/year) 70% 80%
Dental Exam & Cleaning (6 month wait)
X-rays (6 month wait)
Fillings (6 month wait)
Extractions (6 month wait)
Root Canals (6 month wait)
Periodontal Services Coverage (24 month wait)
60% ($1,200 / year)
Major Dental Coverage (24 month wait)
60% ($500 / year)
Orthodontics Coverage (age 18 and under; 24 month wait)
60% ($1,500 / lifetime)

Critical Illness pays cash in the event of an unexpected illness or injury.

Covered conditions include Alzheimer’s disease, blindness, burns, coma, deafness, life threatening cancer, loss of speech, major organ failure, major organ failure requiring transplant, motor neuron disease, multiple sclerosis, paralysis, Parkinson’s disease, senile dementia, severe heart attack, severe stroke.

$100 per day for up to 100 days per year when hospitalized. If over the age of 65, benefit is limited to 30 days per year.

Assured Access allows you to put your coverage on hold should you acquire group health benefits and to reactivate your health plan later without needing to qualify again medically.

Not sure which plan to choose?

No matter if you live in Saint John, Moncton, Fredericton or Edmunston or anywhere in New Brunswick we are happy to help you build your plan today!

Email us at or call us at 1-877-512-7377

*At a minimum, a Health Module is required for every Elements Plan.
*Maximums and restrictions may apply.
*Contact us for further information

*Blue Country has been providing Health Insurance plans since 1999 to Moncton and Atlantic Canada.

We care for New Brunswickers

Blue country insurance has been helping New Brunswickers since 1999, New Brunswick is where our family live and where our roots are.

Nothing satisfies us more than helping someone find the correct health insurance plan.  We can customize plans for your individual needs, family needs or for couples.

Whether you are just starting out in life or are retired and looking for non-medical life insurance we have the plan for you.

Blue country insurance has the ability to show you not just one type of health insurance plan but many types due to the fact we are an agent for many different insurance companies.  So please let us show you, how we can help you today.

Give us all call today.

Find out more about the Blue Country difference!

Toll Free: 1-877-512-7377

CONTACT US TODAY to answer any questions you may have.

Have questions? Get in touch now – Always caring, always here!