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?

(optional)

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?

For example, have you left your job in the past 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

Who's covered

Your quote

Monthly
Annual
( savings)

Add-on Travel

Annual

Personal Health and Dental Insurance Plan

Thanks. Based on what you’ve told us, our Health and Dental plan plan is a great fit for your needs.

Build your personalized Health and Dental plan in two easy steps




Step 1: Health

Our Health and Dental plan includes coverage that protects you from health care expenses not covered by MSP.

Your coverage defined

Learn more about the flexible health benefits included in your plan. Certain coverage will vary based on the plan level selected.

Your options

Choose from Bronze, Silver, or Gold Health coverage.

Step 1: Health
Lifetime maximum $375,000 $500,000 Unlimited
Prescription drugs $5,000 Limit
70 or 80%*
$5 dispensing fee
$10,000 Limit
70 or 90%*
$10 dispensing fee
Unlimited
80 or 90%*
$10 dispensing fee
Practitioner services $30/session max
$400/pract/year
$40/session max
$600/pract/year
$50/session max
$800/pract/year
Mental wellness services $750 combined/year $750 combined/year $1,500 combined/year
Vision care
6 month waiting period
$250
$60 eye exam
Every 2 years
$300
$80 eye exam
Every 2 years
$400
$80 eye exam
Every 2 years
Hearing aids
3 month waiting period
$300
Every 4 years
$400
Every 4 years
$600
Every 4 years
Family planning benefit
1 year waiting period
$5,000/family/year - fertility drugs**

$5,000/family/year - fertility treatment & adoption**
*Maximum coverage limits apply at Preferred Pharamacy Network (PPN) providers only. For a list of PPN providers, visit pac.bluecross.ca/PPN.
**If per your agreement infertility is deemed to be a pre-existing condition then this benefit will reduce to a combined lifetime maximum of $2,000 for fertility drugs, fertility treatment and adoption.



Step 2: Dental

Boost your personal health plan by adding optional dental coverage.

Your coverage defined

Learn more about the flexible Dental benefits you can include in your plan. Your coverage will vary based on the plan level selected.

Your options

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

Step 2: Dental (required)

Dental - Basic and routine services

Waiting period 3 months 3 months 3 months No waiting period
Recall frequency 9 months 9 months 6 months 6 months
Year 1 70%, $500 70%, $500 70%, $800 80%, $1,0001
Year 2 80%, $700 80%, $700 80%, $1,1001 90%, $1,3001
Year 3+ 80%, $900 80%, $900 80%, $1,4001 90%, $1,6001

Dental - Major services, dentures and orthodontics

Waiting period 12 months 6 months
Year 1 60% Major only1
Year 2 50% Major only1 60% incl. Dentures, Orthodontics 1,2
Year 3+ 50%
incl. Dentures, Child orthodontics1,2
60% incl. Dentures, Orthodontics1,2
† The minimum frequency between select preventative and diagnostic services (e.g. exams, polishing, fluoride)
1 Combined annual maximum for all dental services.
2 $2,000 orthodontic lifetime maximum/person. Gold orthodontic coverage is for children and adults.

Value adds

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

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.


Core Health

 

Virtual Care

Only Pacific Blue Cross Personal Health Insurance gives you 24/7 access to virtual care for referrals to specialists along with prescriptions from our Preferred Pharmacy Network delivered directly to your door.

 

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 endodontics, major restorative services and orthodontics for children only, up to a combined predetermined maximum.

After a 12 consecutive month on the plan, these additional eligible expenses are covered according to the following schedule:
  • 80% - Endodontics (Root Canals)
  • 50% - Major Restorative services
  • 50% - Orthodontic coverage
Major restorative services, dentures and orthodontics have a combined annual maximum of $500 per covered person.

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 endodontics, major restorative services and orthodontics for children only, up to a combined predetermined maximum.

After a 12 consecutive month on the plan, these additional eligible expenses are covered according to the following schedule:
  • 80% - Endodontics (Root Canals)
  • 50% - Major Restorative services
  • 50% - Orthodontic coverage
Major restorative services, dentures and orthodontics have a combined annual maximum of $500 per covered person.

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

Who's covered

Your quote

Monthly
Annual
( savings)

Add-on Travel

Annual

Guaranteed Acceptance Plan

Thanks. Based on what you’ve told us, our Guaranteed Acceptance plan is a great fit for your needs.

Build your personalized Guaranteed Acceptance plan in 2 easy steps




Step 1: Health

Our Guaranteed Acceptance plans include coverage that protects you from health care expenses not covered by MSP.

Your coverage

  • Extended Health Care Co-insurance is 80% for all levels
  • All levels also include Medical Services & Supplies, AD&D, In-Canada Travel, Ambulance and Virtual Care, click here for full details

Your options

Choose from Essential, Bronze, Silver, or Gold Health coverage.

Step 1: Health
Extended Health Care Lifetime Maximum $250,000 $250,000 $375,000 $500,000
Prescription Drugs $350 / year $350 / year $500 / year $750 / year
Paramedicals $500 combined / year $400 per pract / year $500 per pract / year
Psychology and Clinical Counselling (Online CBT Eligible) $250 $500 $500 $750
Hearing Aids Years 1-4: $300 / every 4 years
Years 5+: $400 / every 4 years
3-month wait period
Years 1-4: $300 / every 4 years
Years 5+: $400 / every 4 years
3-month wait period
Vision Care $150 / every 2 years
$50 Eye Exam
Years 1-2: $150/2 years
Years 3+: $250/2 years
$50 Eye Exam
* A dental option must be chosen with either Silver or Gold Health Options

Virtual Care

Only Pacific Blue Cross Personal Health Insurance gives you 24/7 access to virtual care for referrals to specialists along with prescriptions from our Preferred Pharmacy Network delivered directly to your door.

 




Step 2: 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

All options cover basic services (cleanings, annual exams, etc.) at varying levels. Higher coverage is available to cover endodontics (root canals) and major work (bridges, crowns, etc.) with Gold coverage.

Your options

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

Step 2: Dental (required)

Dental - Basic

Year 1 70% / $300 70% / $300 70% / $300 80% / $450*
Year 2 70% / $300 70% / $300 80% / $400 80% / $575*
Year 3+ 70% / $300 70% / $300 80% / $500 80% / $700*

Dental - Major

Year 1 50% / $450*
Year 2 50% / $575*
Year 3+ 50% / $700*
* combined Basic and Major yearly limit

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

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

 

Virtual Care

Only Pacific Blue Cross Personal Health Insurance gives you 24/7 access to virtual care for referrals to specialists along with prescriptions from our Preferred Pharmacy Network delivered directly to your door.

 

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

Virtual Care

Only Pacific Blue Cross Personal Health Insurance gives you 24/7 access to on-demand doctors and a care manager for referrals to specialists along with prescriptions from our Preferred Pharmacy Network delivered directly to your door.

 




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

 

Critical Illness

Thanks. Based on what you’ve told us, our Critical Illness Insurance plan is a great fit for your needs.