Please note: If your employee benefits plan is with Blue Cross and you are looking for claim or benefits information, please contact Medavie Blue Cross directly.
Complete Health Insurance Plan
Build your own custom health insurance
Complete Health is a flexible health insurance plan from Medavie Blue Cross that you can customize to fit your unique needs, lifestyle and budget. Choose the level of coverage – Entry, Essential or Enhanced – for each type of insurance you need: health, drug, dental and critical illness. Build the plan that’s right for you. You can easily adjust your coverage up or down if your lifestyle or circumstances change.
Health Benefits
60% coverage 70% coverage 80% coverage Not sure which to choose? Book a call with one of our agents and we’ll help you build your plan. No overall maximum benefit per year 70% coverage 80% coverage * all dollar amounts are maximums Not sure which to choose? Book a call with one of our agents and we’ll help you build your plan. 60% coverage 70% coverage 80% coverage Not sure which to choose? Book a call with one of our agents and we’ll help you build your plan. Add any or all of these options to your Complete Health plan. Critical Illness coverage pays cash in the event of an unexpected illness. Covered conditions include: $100 per day for up to 100 days per year when hospitalized. Assured Access coverage means you can put your coverage on hold if you acquire group health benefits. Then you can reactivate your health plan later without needing to qualify again medically. Not sure which to choose? Book a call with one of our agents and we’ll help you build your plan. Protect tomorrow’s insurability today. If you currently have group health benefits through your employer Assured Access® is designed to work with your group health benefit plan. It provides you with future access to a personal health plan based on your present health. As we age our health often deteriorates. This makes it difficult to be approved for the health care coverage we may need later in life. Once you qualify medically for Assured Access, you and your family are entitled to an Elements plan. You won’t face additional medical questions, if you ever lose your group health benefits. Elements includes comprehensive coverage for hospital, travel, extended health and extensive drug benefits. Assured Access provides additional security with a $10,000 Accidental Death & Dismemberment benefit for each participant covered under your plan. This AD&D benefit ends at age 65. As your children grow up, they are no longer eligible for group health benefits as dependents under your group plan. They can enrol in their own Medavie Blue Cross personal health plan without undergoing additional medical underwriting. To be eligible for the Assured Access product, you must: Assured Access coverage can continue beyond age 65. If you have questions about Medavie Blue Cross Assured Access, or would like an application form, contact one of our health insurance specialists. Monthly Assured Access Selling Rates (Health and Prescription Drugs) Rates are subject to change, please contact MacLellan & Moffatt Health Insurance directly to discuss plan pricing and application process. Eligibility requirements apply. *Group Health Benefits – an employer sponsored health benefit plan consisting of 3 or more employees. Notes: Not sure which to choose? Book a call with one of our agents and we’ll help you build your plan.Choose 1 > Entry
Essential
Enhanced
Accidental injury to natural teeth $7,000 lifetime $7,000 lifetime $7,000 lifetime Chronic disease management $250 $400 $500 Accidental death & accidental dismemberment — $10,000 and $5,000 $15,000 and $5,000 Ambulance services — $420 $420 Health practitioners
treatment by a licensed audiologist, chiropodist / podiatrist, chiropractor, dietician, occupational therapist, osteopath, physiotherapist/athletic therapist, psychologist/social worker, speech therapist$250 / calendar year $400 / calendar year $500 / calendar year treatment by a licensed acupuncturist, massage therapist, naturopath — $400 / calendar year $500 / calendar year Orthotics / custom orthopedics
customized orthopedic shoes and shoe modification, adjustment supplies and/or moulded arch supports$150 / calendar year $150 / calendar year $225 / calendar year Vision care
eye exams, contact lenses, spectacle lenses and frames$100 / 2 consecutive calendar years
6-month wait period$150 / 2 consecutive calendar years
6-month wait period$300 / 2 consecutive calendar years
6-month wait periodHearing aids — $400 / 5 consecutive calendar years
6-month wait period$500 / 5 consecutive calendar years
6-month wait periodNursing care
essential skilled nursing care in the participant’s residence— $3,500 / 2 consecutive calendar years $5,600 / 2 consecutive calendar years Prosthetic appliances
artificial limbs, breasts, hair, eyes, crutches, canes, casts, and trusses required due to sickness or accident— $10,000 lifetime $10,000 lifetime Inconfidence for individual ✓ ✓ ✓ Mobility aids ✓ ✓ ✓ Diabetic supplies — ✓ ✓ Medical equipment — ✓ ✓ Ostomy supplies — ✓ ✓ Oxygen — ✓ ✓ Semi-private hospital stays — — 100% coverage up to a maximum 90 days Travel — — 100% coverage up to a maximum 30 days Drug Benefits
Choose 1 > Essential
Enhanced
100% coverage after $4,500 in eligible claims per year ✓ ✓ Co-payment per prescription maximum cost of $50 / prescription maximum cost of $50 / prescription Out of pocket co-pay maximum cost of $1,350 / year maximum cost of $900 / year Birth control ✓ ✓ Fertility drugs — $1,500 / year and $3,000 / year lifetime Allergy serums — $500 / year Dental Benefits
Choose 1 > Entry
Essential
Enhanced
Examination, cleaning, X-rays and fillings $500 per year
6-month wait period6-month wait period 6-month wait period Extractions and root canals — 6-month wait period 6-month wait period Periodontal services — — 60% coverage for up to $1,200 / year
24-month wait periodMajor dental work — — 60% coverage for up to $500 / year
24-month wait periodOrthodontics
age 18 and under— — 60% coverage for up to $1,500 lifetime, with
24-month wait periodAdditional Modules
Critical Illness
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.Hospital Cash
If over the age of 65, benefit is limited to 30 days per year.Assured Access
Blue Cross Assured Access Insurance
More Details
Assured Access Rates
Ages Single Couple Family 0-29 $21.65 $32.48 $38.66 30-44 $21.65 $32.48 $38.66 45-54 $24.76 $35.56 $41.77 55-64 $27.85 $38.66 $44.85