Canadians value their health care coverage, however their provincial health plan
doesn't cover everything. This makes health and dental benefits the cornerstones
of any group benefit plan.
With the rising cost of health care and a very competitive labour market, health
plans are taking on a renewed importance. The success of any benefit plan depends
on whether it meets the goals for which it was created. There are a lot of
things to consider when designing a benefit plan that meets your business
We partner with you to understand your organization's needs, goals and budget, and
then work with you to customize a cost-effective benefit solution ideal for your
workplace and your employees.
We offer plan design flexibility that enables employers to manage their costs while
providing health coverage relevant to their employee's needs. There are a variety
of options to choose from, basic health and
dental coverage to
With a Blue Cross health plan, you're covered by the world's most recognized and trusted health insurance brand. Our people are committed to delivering the Blue Cross service standard that is expected by our members.
We continually look for ways to improve service. Whether it's in person, on the phone or online self-service via CARESnet, our member self-service portal, we deliver service you can be proud of.
The Blue Advantage® program allows Blue Cross members to save on medical, vision care and many other products and services offered by participating providers across Canada.
The program is unique because it provides savings at point of sale on the total cost of products and services from participating providers, regardless if the item is covered under your benefit plan. Simply present your Blue Cross identification card to the participating provider and mention the Blue Advantage program. Know more. Save more.
There are varieties of options you can customize in your health plan. Your choose
how much the plan pays, any deductible amounts, as well as any life time and/or
calendar year limits that should be applied to benefits. Here are some of our benefit
In addition to core extended health coverage, there are many
specialty benefits options available, as well as
dental and a complete range of life
and disability benefits available to help
you design a well-rounded benefit program that is right for your organization.
We're all concerned about rising health costs. We can help you design extended health
care plan options that can help manage your costs. Traditional strategies such as
higher deductibles, lower co-insurance and reduced lifetime maximums have the greatest
impact on rates. We'll work with you using these and other approaches to ensure
your plan is cost-effective.
Your employees know the value of a dental plan. They understand seeing their dentist
regularly is an important part of maintaining good overall health, but without a
dental plan regular visits can be expensive. A basic checkup can easily cost over
$100 per person making regular dental care difficult to include as part of your
health routine. However, ignoring your dental health now can lead even more expensive
dental care later and in extreme cases, other health problems.
Our focus is plan flexibility, sensible cost management and responsive service and
that makes us the choice of thousands of employers when it comes to dental coverage.
You can select any or all three categories of dental coverage from Basic, Major
and/or Orthodontic services. You choose your deductible amount and how much the
plan pays for each category. You also can also choose to include unlimited coverage
or lifetime and/or calendar year maximums.
Basic dental covers services for the basic care and maintenance of teeth including
procedures to restore teeth to natural and normal function. Eligible expenses include:
Major dental covers major restorations or replacement of missing teeth, or the reconstruction
of teeth where basic restorative methods cannot be used satisfactorily (includes
crowns, bridges and dentures).
Orthodontic services cover expenses including ortho-exams, x-rays, diagnostic radiographs,
casts, braces and retainers. In addition to the reimbursement options mentioned
above (available across each category), you can choose to make orthodontic coverage
available to dependent children only or to children and adults.