Please note: If your employee benefits plan is with Blue Cross and you are looking for claim or benefits information, please contact Ontario Blue Cross directly.
Complete Health Insurance Plan
Build your own custom health insurance
Complete Health is a flexible health insurance plan 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
| Choose 1 > |
Entry
60% coverage
|
Essential
70% coverage
|
Enhanced
80% coverage
|
| 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 period |
| Hearing aids |
— |
$400 / 5 consecutive calendar years
6-month wait period |
$500 / 5 consecutive calendar years
6-month wait period |
Nursing 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 |
Apply for Blue Cross health insurance.
Not sure which to choose? Contact us and we’ll help you build your plan.
Drug Benefits
No overall maximum benefit per year
| Choose 1 > |
Essential
70% coverage
|
Enhanced
80% coverage
|
| 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 |
* all dollar amounts are maximums
Not sure which to choose? Talk to one of our advisors and we’ll help you build your plan.
Dental Benefits
| Choose 1 > |
Entry
60% coverage
|
Essential
70% coverage
|
Enhanced
80% coverage
|
| Examination, cleaning, X-rays and fillings |
$500 per year
6-month wait period |
6-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 period |
| Major dental work |
— |
— |
60% coverage for up to $500 / year
24-month wait period |
Orthodontics
age 18 and under |
— |
— |
60% coverage for up to $1,500 lifetime, with
24-month wait period |
Not sure which to choose? Talk to one of our advisors and we’ll help you build your plan.
Additional Modules
Add any or all of these options to your Complete Health insurance plan
Critical Illness
Critical Illness coverage pays cash in the event of an unexpected illness. 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.
Hospital Cash
$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
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? Talk to one of our advisors and we’ll help you build your plan.
Blue Cross Assured Access – protecting 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.
More Details
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:
- apply and be approved for coverage prior to age 65
- be enrolled in a group health benefits* plan at the time of application
- have had group coverage for the past 12 consecutive months
Assured Access coverage can continue beyond age 65.
If you have questions about Assured Access, or would like an application form, contact one of our health insurance specialists.
Assured Access Rates
Monthly Assured Access Selling Rates (Health and Prescription Drugs)
| 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 |
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:
- The member is the oldest person covered under the plan. The age of the member is used to determine the rates.
- Dependents include the spouse/cohabitant and dependent children of the member.
- The Assured Access and Elements rates are reviewed and increased periodically. When activating the Elements plan, you will be subject to the rates in effect at the time of activation.
- Applicants must meet medical underwriting standards at time of application.
Not sure which to choose?
Talk to one of our advisors and we’ll help you build your plan.
