We all know medical and dental treatment can be expensive. And while government
plans assist with the cost, they don't cover everything. If you're one of the thousands
of British Columbians without benefits through your employer, our Blue Choice plan
is an affordable way to protect you and your loved ones from those costs not covered
by the government plans.
Blue Choice provides supplementary coverage to government programs by offering unique
personal extended health, dental and travel options for people who are not covered
by an employer group plan. Our plans give you the tools you need to plan ahead,
so that if something unexpected occurs, you are prepared and can focus on healing
instead of worrying about your finances.
Get 10% off your Blue Choice Health and Prescription Drug benefit plan rate. To qualify, you and your spouse must meet our healthy profile:
With Blue Choice, you can build your own plan and tailor your coverage to suit you
and your family's specific needs. This provides you with maximum coverage at a price
you can afford. Most importantly, our plans give you peace of mind and protection
for you and your family against unexpected health problems and emergencies.
The plan covers 80% of eligible expenses up to a lifetime maximum of $250,000 per
Blue Choice consists of a core health plan with prescription drug and dental coverage
options so you can choose the coverage you need. Certain core benefits provide a
sliding scale for reimbursement. The longer you have coverage, the more coverage
As a Blue Choice plan member you can also take advantage of
Blue Choice Bridge. It offers you the security of keeping your individual
benefits 'on hold' should you obtain full-time or temporary employment with group
* Services of a massage practitioner or registered dietician require referral by
* Palliative care services and the services of an RN to assist with activities of
daily living are not covered.
Drug coverage can be purchased as an option to your Extended Health Care plan: Both
the Essential and Enhanced options provide a sliding scale for reimbursement. The
longer you have coverage, the more coverage you enjoy.
The Essential drug option covers 80% of the cost of PharmaCare-eligible prescription
drugs. This is an increasing benefit coverage up to a predetermined maximum.
The Enhanced drug option covers 80% of the cost of PharmaCare-eligible prescription
drugs, plus prescriptions that are not eligible under the government PharmaCare
plan. Drugs used for birth control are eligible under this option only. This is an increasing benefit coverage option up to a predetermined maximum.
The Enhanced drug option can include a Direct Pay Drug card provided no pre-existing
medical conditions exist at the time of application. With a Direct Pay Drug card,
your pharmacist submits your claim electronically. PBC pays the pharmacy 80% of
your prescription cost, and you pay the pharmacist the remaining 20%. There is no
need to submit a paper claim.
Dental coverage can be purchased as an option to your Blue Choice plan: Both the
Essential and Enhanced options provide a sliding scale for reimbursement. Like the
prescription drug options on the extended health plan, the longer you have coverage,
the more coverage you enjoy.
The Essential dental plan covers eligible expenses after a three-month no-claims
waiting period, up to a predetermined maximum. Eligible expenses include:
In addition, the plan covers emergency treatment of the above services while temporarily
outside of BC or the Yukon. There is no financial limit on the amount that will
be paid for the services covered over the lifetime of the plan.
The Enhanced dental plan covers all of the Essential dental benefits with the addition
of major restorative services, up to a combined predetermined maximum.
The plan covers 50% of eligible expenses incurred after 12 consecutive months on
the plan. The maximum amount payable for major restorative, orthodontic and denture
services is limited to $500 for each covered person per year.
Additional eligible expenses include:
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.
Only Pacific Blue Cross offers British Columbians a discount on health insurance for maintaining a healthy lifestyle. With Healthy Blue Living you receive a 10% discount off your monthly Blue Choice Health and prescription Drug benefit plan rate.
To qualify, you and your spouse must meet our healthy profile:
Do you and your spouse fit the above profile? Check the Healthy Discount option on your application form.
We’ll reward you with a discount when we review your application. Children will automatically get the discount if their parents qualify.
Questions? Speak with one of our individual plan representatives