Retirement Insurance Plan Details

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.

Step 1: Health

BRONZE SILVER GOLD

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 1 Health Choice:

BRONZE SILVER GOLD

Step 2: Prescriptions

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

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)

BRONZE SILVER GOLD

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