Entrepreneurs, self-employed and small businesses increasingly drive British Columbia’s economy. Yet, more often than not, they have to go with less health coverage than their corporate counterparts. The Vancity Member Health Benefits Plan was designed to offer robust quality health benefits at competitive prices to fill this gap.
Becoming a member of Pacific Blue Cross, BC's only dedicated not-for-profit health society, means more than just being able to easily file a claim.
Pacific Blue Cross has the largest network of providers in the province who directly bill us so you don't even have to submit a claim or worry about paying up front.
I loved the way that I could customize my plan to suit my own needs."Silvia — Ess Design Inc.
Large organizations know the value of keeping their teams and leaders healthy. We believe it shouldn't be any different for entrepreneurs, small businesses, and the self-employed.
Every member gets access to our leading mobile application to review coverage on the go, submit claims with a photo, or find in network providers near you.
We worked closely with our community of entrepreneurs and small businesses to build a modular and flexible plan that can be custom built to meet your needs.
This module is always included and helps ensure that you, your business, your employees and your family are prepared for the unexpected.
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Conditions
We have four different extended health care modules to choose from. Starting at basic drugs up to robust coverage for massage and other benefits.
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Your EHC benefits include coverage for health expenses not covered by government MSP. This includes 80% coverage for items such as medical supplies and equipment, hospitalization, and at higher levels massage therapy and vision care.
Your prescription drug coverage includes a pay-direct drug card to make life easy. Reimbursement is for drugs that fall under a Pacific Blue Cross managed list of drugs (Pacific Blue Cross Rx formulary). Certain drug claims will require prior authorization from Pacific Blue Cross or special authorization from BC PharmaCare. Lifestyle drugs for fertility, smoking cessation, anti-obesity and erectile dysfunction are not covered.
Customize your plan by selecting one of the below Health options.
Notes
Dental options cover 80% of basic services which include regular cleanings and check-ups. Higher coverage is available to cover major work such as bridges or crowns.
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Maximum amounts shown below are per person, per year, unless otherwise noted.
Notes
Critical Illness Coverage is a $25,000 lump sum payment that can help you and your employees financially if diagnosed with one of the 23 covered critical conditions.
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This benefit provides a lump sum, tax-free cash payment. The payment can help with everyday living expenses or additional expenses associated with recovering from a critical condition:
Any sickness, injury or symptoms existing in the 24 months before coverage are not covered within the first 24 months.
Income Support provides financial assistance when a disability renders you unable to work in your own occupation.
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Available to businesses with 1 or more employees, a Health Spending Account provides reimbursement for unpaid balances or expenses not covered under your health plan. You can claim any item or service allowed under the Income Tax Act of Canada as a medical expense.
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HSA credits are deposited annually and must be spent in the year they are allocated.
Our dedicated program specialist can help you with any questions you have along the way.
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