Health & Dental Insurance Quick Calculator

Step 1: Health	BRONZE	SILVER*	GOLD*
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
* A dental option must be chosen with the Silver or Gold Health Options 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 a deemed to be a pre-existing condition then this benefit will reduce to a combined lifetime maximum of $2,000.

Step 2: Dental	BRONZE	SILVER	GOLD
Basic and routine services
Waiting period	3 months	3 months	No waiting period
Recall frequency^†	9 months	6 months	6 months
Year 1	70%, $500	70%, $800	80%, $1,000¹
Year 2	80%, $700	80%, $1,100¹	90%, $1,300¹
Year 3+	80%, $900	80%, $1,400¹	90%, $1,600¹
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 orthodontics^1,2	60% incl. Dentures, Orthodontics^1,2
† 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.

Personal Health Insurance Plan Calculator