If the health and dental insurance coverage provided by your employer is about to end or has recently
ended, we've designed a plan that offers you the opportunity to continue to receive
the security you're used to.
Blue Choice Conversion lets you continue health and dental coverage without interruption
so you and your family can enjoy the peace of mind that comes from knowing you're
protected from the financial hardship of unexpected health costs.
Your group plan doesn't even need to have been provided by Blue Cross. Blue Choice
Conversion is available for the initial transfer from any recognized Canadian group
benefits plan within 60 days as long as you have been covered for at least 6 months
under a group plan. And there's no need to complete a medical questionnaire, so
there's no need to worry about prescription medications that you're already taking.
Blue Choice Conversion is an individual plan. While coverage may not exactly match
what you had with your group plan, it will give you peace of mind knowing you can
continue to get the care similar to what you're used to at an affordable price.
Unlike other individual plans, Blue Choice Conversion covers pre-existing* conditions and allows you to bypass the medical questionnaire. We also waive the no claims waiting periods for dental and vision care benefits.
The plan covers 80% of eligible expenses up to a lifetime maximum of $250,000 per covered person.
*If you have no pre-existing condition(s), it may be more economical for you to
opt for our standard Blue Choice
Blue Choice Conversion consists of a core health plan with prescription drug and
dental coverage options so you can choose the coverage you need.
* Palliative care services and the services of an RN to assist with activities of daily living are not covered.
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.
The Enhanced drug option includes a Direct Pay Drug card. 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.
*applicable to Enhanced Dental Option only
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 endodontics and major restorative services, up to a combined predetermined maximum.
The plan covers 50% of eligible expenses. The maximum amount payable for major restorative, orthodontic and denture services is limited to $500 for each covered person per year.
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.