To qualify, you are:
- Applying within 60 days of the date on which your group coverage was cancelled
- Retiring
- 50+ years of age
- Leaving a group plan recognized by us with the same benefits for at least six continuous months
- Actively enrolled in the government health plan of British Columbia or Yukon
Don't match the criteria? We have other Personal Health Insurance options for you.
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
- Vision care
- Registered therapists and health practitioners
- Hospital accommodation
- Medical Services and Supplies
- Ambulance services
- Out-of-province, in-Canada travel
- Accidental dental
- Accidental death and dismemberment
- Final expense benefit
- Survivor benefit
Your options
Choose from Bronze, Silver or Gold Health coverage.
|
BRONZE | SILVER | GOLD | ||
|---|---|---|---|---|---|
Paramedicals |
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| 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 | ||
| Mental wellness 1 | $65/visit, 10 visits/yr | $65/visit, 10 visits/yr | $65/visit, 10 visits/yr | ||
Vision |
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| Prescription eyewear | $150 | $250 | $300 | ||
| Eye exam | $50 | $50 | $80 | ||
Medical equipment |
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| 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 |
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| Hospitalization | $125 | $200 | $250 | ||
| Day limit | 30 days | 30 days | 30 days | ||
| 1 Mental wellness services include psychologists, registered counsellors, and online CBT. Eligible expenses related to online CBT are not subject to any per visit maximum. | |||||
Step 1: Health
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.
|
BRONZE | SILVER | GOLD | ||
|---|---|---|---|---|---|
|
BRONZE | BRONZE OR | SILVER | SILVER OR | GOLD |
| Dispensing Fee | — | — | $10* | $10* | $10* |
| Year 1 | $500 | $500 | $1,000 | $1,000 | $1,500 |
| Year 2 | $500 | $500 | $2,000 | $2,000 | $2,500 |
| Year 3+ | $500 | $500 | $3,000 | $3,000 | $5,000 |
|
*Maximum follows BC PharmaCare
|
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Step 2: Prescriptions
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.
|
BRONZE | SILVER | GOLD | ||
|---|---|---|---|---|---|
Services |
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| Basic | 80% | 80% | 80% | ||
| Endodontics | — | 80% | 80% | ||
| Major | — | — | 60% after Year 1 | ||
Limits |
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| Year 1 | $500 | $600 | $1,000 | ||
| Year 2 | $500 | $800 | $1,250 | ||
| Year 3+ | $500 | $1,000 | $1,500 | ||
Usage |
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| Recall Package** | Every 9 months | Every 9 months | Twice per year | ||
|
** Includes exam, polishing and flouride
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Step 3: Dental (optional)