Find your Plan

Are you and all applicants residents of BC or the Yukon actively enrolled under the Government health plan?

Our Individual Insurance Plans are provided ONLY to residents of BC or the Yukon who are actively enrolled in the Government Health Care plan.

  • Are you a resident of another province?
    Please contact Blue Cross Canada at www.bluecross.ca to find your provinces' blue cross.

  • Are you a visitor to Canada and arrived within the last 30 days?
    You may find more information about our "Visitors to Canada Travel Plan".

Please feel free to contact us if you have any further questions at 1 800 USE-BLUE(873-2583) or e-mail us.

What's your first name?

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Hello. How many people are you looking to cover today?

And the oldest member you're hoping to cover is?

19 - 150

What kind of benefits and insurance are you looking for today?

Are you looking to add dental benefits to your existing Pacific Blue Cross employer health plan?

Do you happen to be looking for something to replace a group health plan?

Say you left your job in the last 60 days.

Do you have any health or dental appointments or services scheduled in the near future (90 days), that you can't reschedule?

Please select all that apply to you.

Do you have an existing medical condition that requires regular use of prescription drugs or treatments such as physiotherapy?

Are you retired or retiring?

Who's Covered

Your Quote

Monthly
Annual
( savings)

Add-on Travel

Annual

Health & Dental

Thanks. Based on what you’ve told us our Health & Dental plan is a great fit for your needs. It is our most customizable plan with our most comprehensive core benefits coverage options.


Prescription Drug Options

Prescription drug coverage can be purchased as an option to your Extended Health Care plan. There are two options to choose from — the Essential or the Enhanced Drug Option.

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 also. This is an increasing benefit coverage option up to a predetermined maximum.

Dental Options

Dental coverage can be purchased as an option to your Extended Health Care plan.

Choose either the Essential or Enhanced dental option. Each covers eligible expenses for Basic services after a 3-month no-claims waiting period

The Essential dental plan covers eligible expenses after a three-month no-claims waiting period (waiting period is waived on Group Conversion plans), up to a predetermined maximum. Eligible expenses include:
  • Diagnostic expenses
  • Preventive treatments
  • Restorative treatments
  • Periodontal cleaning
  • Prosthodontic services
  • Oral surgery
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 services is limited to $500 for each covered person every calendar year.

Additional eligible expenses include:
  • Major Restorative services
  • Endodontics
  • Orthodontic coverage.
Waiting period is waived on Group Conversion plans.

Annual Travel Add-On

Add-on covers emergency medical expenses only or you can purchase on its own to include trip cancellation and baggage protection.

Your Quote

Est. Monthly
Est. Annual
( savings)

Travel Add-On

one time annual payment

per month / per year

Who's Covered

Your Quote

Monthly
Annual
( savings)

Add-on Travel

Annual

Converting from Group

Thanks. Based on what you’ve told us our Conversion Plan is a great fit for your needs to ensure you continue to enjoy benefits as you transition away from your group health plan and well into the future.


Prescription Drug Options

Prescription drug coverage can be purchased as an option to your Core Health Plan and includes a Pay Direct Drug Card. We pay your Pharmacist directly so you only have to pay your portion.

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 also. This is an increasing benefit coverage option up to a predetermined maximum.

Dental Options

Dental coverage can be purchased as an option to your Extended Health Care plan.

Choose either the Essential or Enhanced dental option. Waiting period is waived on Group Conversion plans.

The Essential dental plan covers eligible expenses after a three-month no-claims waiting period (waiting period is waived on Group Conversion plans), up to a predetermined maximum. Eligible expenses include:
  • Diagnostic expenses
  • Preventive treatments
  • Restorative treatments
  • Periodontal cleaning
  • Prosthodontic services
  • Oral surgery
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 services is limited to $500 for each covered person every calendar year.

Additional eligible expenses include:
  • Major Restorative services
  • Endodontics
  • Orthodontic coverage.
Waiting period is waived on Group Conversion plans.

Annual Travel Add-On

Add-on covers emergency medical expenses only or you can purchase on its own to include trip cancellation and baggage protection.

Your Quote

Est. Monthly
Est. Annual
( savings)

Travel Add-On

one time annual payment

per month / per year

Who's Covered

Your Quote

Monthly
Annual
( savings)

Add-on Travel

Annual

Group Dental Add-on

Thanks. The Group Dental Add-on will extend your existing coverage and sounds like it will meet your needs.


Dental Options

Choose either the Essential or Enhanced dental option. Each covers eligible expenses for Basic services after a 3-month no-claims waiting period

The Essential dental plan covers eligible expenses after a three-month no-claims waiting period (waiting period is waived on Group Conversion plans), up to a predetermined maximum. Eligible expenses include:
  • Diagnostic expenses
  • Preventive treatments
  • Restorative treatments
  • Periodontal cleaning
  • Prosthodontic services
  • Oral surgery
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 services is limited to $500 for each covered person every calendar year.

Additional eligible expenses include:
  • Major Restorative services
  • Endodontics
  • Orthodontic coverage.
Waiting period is waived on Group Conversion plans.

Your Quote

Est. Monthly
Est. Annual
( savings)

Travel Add-On

one time annual payment

Who's Covered

Your Quote

Monthly
Annual
( savings)

Add-on Travel

Annual

Stand-alone Dental

Thanks. Stand-alone Dental sounds like the right plan to keep you smiling and healthy.

Dental Plan Highlights

Eligible dental expenses include all necessary services by a dentist or denturist for the care and maintenance of teeth including:

  • Diagnostic: two recall examinations (check ups) every calendar year
  • X-rays: the equivalent of one full-mouth series each calendar year (complete series x-rays are limited to once every three years)
  • Preventive therapy: topical fluoride applications are limited to twice every calendar year
  • Restorative dentistry: all procedures to restore natural teeth to normal function using silver and tooth-coloured fillings, and stainless steel crowns
  • Scaling and root planing
  • Prosthetic repair services to reline or repair fixed or removable appliances
  • Routine extractions

This plan has a sliding scale for reimbursement. After a three-month no claims waiting period and a calendar year deductible of $100, it covers up to:

  First 12 months 13-24 months 25 months+
Reimbursement percentage 60% 70% 80%
Annual maximum $500 per person $750 per person $1000 per person

Your Quote

Est. Monthly
Est. Annual
( savings)

Travel Add-On

one time annual payment

per month / per year

Who's Covered

Your Quote

Monthly
Annual
( savings)

Add-on Travel

Annual

Guaranteed Acceptance

Thanks. Based on what you’ve told us, our Guaranteed Acceptance plan is a great fit for your needs. It has no deductible and no medical questionnaire.


Prescription Drugs Coverage

Drugs recognized under government plans (max. of $500 per year); excluding smoking cessation drugs, over-the-counter drugs, fertility drugs, birth control drugs and drugs not requiring a prescription. Dispensing fees are not covered.

Your pharmacist submits your claim electronically. PBC pays the pharmacy 80% of the prescription cost, and you pay the pharmacist the remaining 20%. There is no need to submit a paper claim

Dental Benefits

Covers 80% of eligible expenses up to $400 per person per year, including cleanings, fillings, scaling, examinations, polishing, x-rays and routine extractions. Recall visit once every 9 months.

Your Quote

Est. Monthly
Est. Annual
( savings)

Travel Add-On

one time annual payment

per month / per year

Who's Covered

Your Quote

Monthly
Annual
( savings)

Add-on Travel

Annual

Retirement Insurance Plan

Thanks. Based on what you’ve told us, our Retirement Insurance plan is a great fit for your needs. It has no deductible and no medical questionnaire.

Build your personalized retirement health plan in 3 easy steps


Step 1: Health

Your personal health insurance includes Extended Health Coverage that protects you from healthcare expenses not covered by MSP.

Your coverage

Your options

Choose from Bronze, Silver or Gold Health coverage.

Step 1: Health

Paramedicals

Physiotherapists, massage therapists, chiroproactors, chiropodist / podiatrists, naturopaths, acupuncturists, osteopaths $25/visit, 12 visits/yr $400 combined $600 combined
Speech therapists $45/visit, 10 visits/yr $45/visit, 10 visits/yr $45/visit, 10 visits/yr
Psychologists $65/visit, 10 visits/yr $65/visit, 10 visits/yr $65/visit, 10 visits/yr

Vision

Prescription eyewear $150 $250 $300
Eye exam $50 $50 $80

Medical equipment

Year 1 $1,500 $1,500 $2,500
Year 2+ $1,500 $2,500 $5,000
Hearing aid $300/5 yrs $400/5 yrs $600/5 yrs

Hospital accommodation

Hospitalization $125 $200 $250
Day limit 30 days 30 days 30 days



Step 2: Prescriptions

Our prescription drug coverage makes your life easy with a Pacific Blue Cross Pay Direct Drug Card. If you have a prescription, take your card to a pharmacy and we pay them directly so you only pay your portion.

Your coverage

Each option covers 80% of eligible expenses and aligns with BC PharmaCare formulary pricing or the cost of the lowest priced equivalent drug.

Your Options

Your Health choice from Step 1 influences your Prescription options. For Gold and Silver Health, choose a prescription option.

Step 2: Prescriptions (required)

Dispensing Fee $10* $10*
Year 1 $500 $1,000 $1,500
Year 2 $500 $2,000 $2,500
Year 3+ $500 $3,000 $5,000
*Maximum follows BC PharmaCare



Step 3: Dental

Taking care of your oral health plays an important role in your overall health. All of our dental plans include a direct bill feature, so you only have to pay your portion.

Your coverage

Each option covers 80% of basic services which include regular cleanings and check-ups. Higher coverage is available to cover endodontics (root canals) and major work (bridges, crowns, etc.).

Your options

Boost your personal health plan by adding Bronze, Silver or Gold Dental coverage.

Step 3: Dental (optional)

Services

Basic 80% 80% 80%
Endodontics 80% 80%
Major 60% after Year 1

Limits

Year 1 $500 $600 $1,000
Year 2 $500 $800 $1,250
Year 3+ $500 $1,000 $1,500

Usage

Recall Package** Every 9 months Every 9 months Twice per year
** Includes exam, polishing and flouride

Your Quote

Est. Monthly
Est. Annual
( savings)

Travel Add-On

one time annual payment

per month / per year
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