Individual Health & Dental Plans

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.

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.

Plan levels include ENTRY, ESSENTIAL, ENHANCED

Customize these plans by choosing from the following modules:

  • Health benefits
  • Drug benefits
  • Dental benefits
  • Critical Illness

Your Blue Country Insurance advisor 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.

Health Benefits (required)

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
Acupuncture
– $400 / year $500 / year
Ambulance
– $420 / year $420 / year
Audiologist
$250 / year $400 / year $500 / year
Mobility Aids
✔ ✔ ✔
Chiroprator
$250 / year $400 / year $500 / year
Diabetic Supplies
– ✔ ✔
Dietician
$250 / year $400 / year $500 / year
Medical Equipment
– ✔ ✔
Hearing Aids
– $400 / 5 years $500 / 5 years
Massage Therapy
– $400 / year $500 / year
Naturopath
– $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
Osteopath
$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
Prostheses
– ✔ ✔
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
Travel
– – 100% / 30 days
Vision Care
$100 / 2 years $150 / 2 years $300 / 2 years

Drug Benefits (optional)

Essential Drug Benefits Enhanced Drug Benefits
Coverage
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

Dental Benefits (optional)

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)

*Contact us for further information

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