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BUILD YOU OWN PLAN

Elements lets you build your coverage around your life so you can live the way you want and know you’re covered. Start with Entry, Essential or Enhanced Health Benefits, then mix and match your other coverage by selecting the elements that work for you.


It’s simple & FLEXIBLE 
choose the modules that fit.

ENTRY 

  • 70% Drug Coverage
    No maximum
  • 60% Health Coverage
  •  Health Practitioners
    -
    $250 Audiologist
    $250 Chiropodist/Podiatrist
    $250 Chiropractor
    $250 Dietitian
    -
    -
    $250 Occupational Therapist
    $250 Osteopath
    $250 Physiotherapist/Athletic Therapist 
    $250 Psychologist/Social Worker
    $250 Speech Therapist
  •  Health Benefits
    -
    inConfidence for Individual
    -
    Mobility Aids
    -
    $150 Orthotics/Orthopedic (custom)
    -
    -
    -.
    -.
    -
  • $100 Vision Care/per 2 years(6mo wait)
  • 60% Dental Coverage
    - Dental Exam, Cleaning, X-Rays & Fillings
    -
    -
  • Extra Options:
    Critical Illness
    Hospital Cash
    Assured Access
get started

ESSENTIAL 

  • 70% Drug Coverage
    No maximum
  • 70% Health Coverage
  • Health Practitioners
    $400 Acupuncturist
    $400 Audiologist
    $400 Chiropodist/Podiatrist
    $400 Chiropractor
    $400 Dietician
    400$ Massage Therapist
    $400 Naturopath
    $400 Occupational Therapist
    $400 Osteopath
    $400 Physiotherapist/Athletic Therapist
    $400 Psychologist/Social Worker
    $400 Speech Therapist
  • Health Benefits
    $ 400 Hearing Aids/5 years (6 mo wait)
    inConfidence for Individual
    Medical Equipment
    Mobility Aids
    $3,500 Nursing Care/2 years
    $150 Orthotics/Orthopedic (custom)
    Ostomy Supplies
    Oxygen
    $10,000 Prosthetics/lt
    -
    -
  • $150 Vision Care/per 2 years(6mo wait)
  • 70% Dental Coverage
     – All benefits included in Entry  
     + Extraction & Root Canals
    -
  • Extra Options:
    Critical Illness
    Hospital Cash
    Assured Access
GET STARTED

ENHANCED 

  • 80% Drug Coverage
    No maximum
  • 80% Health Coverage
  • Health Practitioners
    $500 Acupuncturist
    $500 Audiologist
    $500 Chiropodist/Podiatrist
    $500 Chiropractor
    $500 Dietician
    500$ Massage Therapist
    $500 Naturopath
    $500 Occupational Therapist
    $500 Osteopath
    $500 Physiotherapist/Athletic Therapist
    $500 Psychologist/Social Worker
    $500 Speech Therapist
  • Health Benefits
    $ 500 Hearing Aids/5 years (6 mo wait)
    inConfidence for Individual
    Medical Equipement
    Mobility Aids
    $5,600 Nursing Care/2 years
    $225 Orthotics/Orthopedic (custom)
    Ostomy Supplies
    Oxygen
    $10,000 Prosthetics/lt
    Semi-private hospital; %100/90 days
    Travel Insurance: 100%/30 days
  • $300 Vision Care/per 2 years(6mo wait)
  • 80% Dental Coverage
    - All benefits included in Essential
     + Major Dental
    + Orthodontics (including braces)
  • Extra Options:
    Critical Illness
    Hospital Cash
    Assured Access
GET STARTED

* Note: This is an overview of plans.  Refer to policy for more details.

When is the best time to apply?

Today!   We recommend applying for coverage while you are in good health.

Frequently Asked Questions

I’m healthy. Why do I need a personal health plan?

A personal health plan offers protection against future illnesses that could cost thousands of dollars to treat. Apply for personal health coverage while you are in good health. If you apply for coverage only after you’ve developed a serious or long-term illness, you could be excluded for coverage of any expenses related to that illness. If you apply with a pre-existing condition, you may also have to pay a higher premium or may be declined for coverage.  A personal health plan
also covers many routine day-to-day health care expenses such as prescription drugs, dental checkups and treatments and eyeglasses
or contact lenses.

Will my existing health conditions be covered?

Coverage for most pre-existing conditions will be excluded. Those who apply with a pre-existing condition may also have to pay a higher premium or may be declined for coverage. That’s why we recommend applying for coverage while you are in good health.

Will my rates increase if I get sick?

If you get sick, it will not result in your personal rates increasing above the regular rates for your plan. The premium you pay for coverage is annually adjusted for all plan holders based on issues such as inflation, increasing costs in health care and overall claim trends. When you have coverage under a personal health plan, your claims experience is pooled with other individuals who have purchased the same plan.

Doesn’t my provincial plan cover my health care?

Your provincial plan focuses mainly on services provided while you are in the hospital or at the doctor’s office. If you don’t have the protection of health coverage, you are responsible for all other health-related expenses, including prescription drugs, dental services and vision care.

What are the advantages of a Medavie Blue Cross personal health plan?

Medavie Blue Cross plans have no overall maximum on drug benefits and some extended health claims can be submitted online or using our Apps. You can also visit one of our many Quick Pay locations within Atlantic Canada to submit a claim.

What information will be needed when I apply?

- The name, birth date of all applicants & your mailing address
- Banking information for premium payment
- Medical information for everyone requesting coverage

Do the premiums stay the same from year to year?

Your premium rates are determined on a year by year basis. The premium you pay for coverage is annually adjusted for all plan holders based on such issues as inflation, increasing costs in health care and overall claims trends. When you have coverage under a personal health plan, your claims experience is pooled with other individuals who have purchased the same plan.


WAITING PERIODS

All you need to know about any Waiting Periods on our
Health & Dental Insurance Plans.
LEARN MORE