Compare personal health insurance plans
Find the key differences between plans to help you decide which health coverage is right for you.
Core Health Benefits
Blue Choice®
Conversion
Guaranteed Acceptance
Which plan is right for you?
Blue Choice®
- Blue Choice® is designed with customization in mind. This plan is perfect for individuals, couples and families alike.
- Your application for this plan requires you to submit a health questionnaire. Your answers to the questionnaire will help us determine the specifics of your health coverage.
Conversion
- The Conversion plan is perfect for those leaving an employer benefits plan. This plan provides the opportunity to convert your health benefits plan and offers guaranteed coverage with no interruptions.
- To be eligible for the Conversion plan, you must apply within 60 days of your current coverage end date.
- This plan does not require a health questionnaire, so your benefits won’t be affected by any pre-existing health conditions.
Guaranteed Acceptance
- [PACIFIC BLUE CROSS HOLDING CONTENT]
- Guaranteed Acceptance offers the best of all our benefits, with no medical questionnaire required.
- If you have existing health conditions or prescription drugs, the Guaranteed Acceptance plan will cover you, no questions asked.
Accidental death & dismemberment (under age 65)
Blue Choice®
Up to $25,000 for policyholder and/or spouse; $5000 for each dependent child
Conversion
Up to $25,000 for policyholder and/or spouse; $5000 for each dependent child
Guaranteed Acceptance
Up to $25,000 for policyholder and/or spouse; $5000 for each dependent child
Accidental dental
Blue Choice®
Unlimited coverage for accidental damage to natural teeth
Conversion
Unlimited coverage for accidental damage to natural teeth
Guaranteed Acceptance
Unlimited coverage for accidental damage to natural teeth
Ambulance
Blue Choice®
Unlimited emergency trips to hospital
*50% to transport the insured to their home residence or another hospital when ordered by a physician following emergency hospital treatment. 50% for ambulance services that do not result in transport to a hospital.
Conversion
Unlimited emergency trips to hospital
*50% to transport the insured to their home residence or another hospital when ordered by a physician following emergency hospital treatment. 50% for ambulance services that do not result in transport to a hospital.
Guaranteed Acceptance
Unlimited emergency trips to hospital
*50% to transport the insured to their home residence or another hospital when ordered by a physician following emergency hospital treatment. 50% for ambulance services that do not result in transport to a hospital.
Blood pressure monitors
Blue Choice®
One in a 5-year period
Conversion
One in a 5-year period
Guaranteed Acceptance
One in a 5-year period
Breast prosthesis
Blue Choice®
Unlimited, one in a 24-month period
Conversion
Unlimited, one in a 24-month period
Guaranteed Acceptance
Unlimited, one in a 24-month period
Diabetic supplies & equipment
Blue Choice®
- Supplies: Unlimited coverage
- Equipment: 80% to $500
Conversion
Up to $500 combined
Guaranteed Acceptance
Up to $500 combined
Funeral expenses (age 65 and over)
Blue Choice®
Up to $4000 when death is accidental
Conversion
Guaranteed Acceptance
Up to $4000 when death is accidental
Health practitioners
Blue Choice®
Up to $400 per specialty for chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist/counsellor/social worker, naturopath, speech language pathologist and acupuncturist
Conversion
Up to $300 per specialty for chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist/counsellor/social worker, naturopath, speech language pathologist and acupuncturist
Guaranteed Acceptance
Hearing aids
Blue Choice®
- Up to $800 in a 5-year period
- Up to $800 in a 3-year period for each dependent child
- 12-month waiting period
Conversion
- Up to $800 in a 5-year period
- Up to $800 in a 3-year period for each dependent child
- 12-month waiting period
Guaranteed Acceptance
Hospital
Blue Choice®
- Preferred accommodations
- In hospital drugs
- Maximum 30 days
Conversion
- Preferred accommodations
- In hospital drugs
- Maximum 30 days
Guaranteed Acceptance
Medical equipment
Blue Choice®
- Purchase or rental of a wheelchair and/or hospital bed to a lifetime maximum of $500
- Purchase or rental of a patient walker to a lifetime maximum of $300
- Purchase or rental of oxygen equipment to a maximum of $500 per Policy year
- Combined lifetime maximum is $1500
Conversion
- Purchase of a wheelchair and/or hospital bed: 80% of purchase cost or 100% of rental cost to a lifetime maximum of $500
- Purchase of a walker: 80% of the purchase cost or 100% of the rental cost to a lifetime maximum of $300
- Purchase or rental of oxygen equipment to a maximum of $500 per Policy year
- Combined lifetime maximum is $1500
Guaranteed Acceptance
Mobility aids
Blue Choice®
Unlimited
Conversion
Unlimited
Guaranteed Acceptance
Orthopaedic shoes & supplies
Blue Choice®
80% to $200
Conversion
80% to $200
Guaranteed Acceptance
Ostomy supplies
Blue Choice®
Unlimited
Conversion
Up to $500
Guaranteed Acceptance
Out-of-province referral services
Blue Choice®
Lifetime maximum of $50,000 for pre-approved medical services
Conversion
Lifetime maximum of $50,000 for pre-approved medical services
Guaranteed Acceptance
Out-of-Saskatchewan (within Canada) emergency services
Blue Choice®
Unlimited
Conversion
Unlimited
Guaranteed Acceptance
Private duty nursing
Blue Choice®
80% up to $5000
Conversion
80% up to $2500
Guaranteed Acceptance
Prosthetic & medical appliances
Blue Choice®
Artificial eyes, limbs, crutches, casts, braces, wigs, etc
Conversion
Artificial eyes, limbs, crutches, casts, braces, wigs, etc
Guaranteed Acceptance
Vision care
Blue Choice®
- Up to $100 for one eye examination in a 24-month period
- Up to $150 for prescription eyewear or laser eye surgery in a 24-month period
Conversion
- Up to $75 for one eye examination in a 24-month period
- Up to $100 for prescription eyewear in a 24-month period
Guaranteed Acceptance
Optional Health benefits
Blue Choice®
Conversion
Critical illness (under age 65)
Blue Choice®
- Policyholder
- Level 1: $10,000
- Level 2: $25,000
- Spouse
- Level 1: $10,000
- Level 2: $25,000
- Dependent children
- Level 1: $5,000
- Level 2: $10,000
Eligible Conditions: severe heart attack, severe stroke, life-threatening cancer, Alzheimer’s disease, coma, major organ failure, major organ failure requiring transplant, motor neurone disease, paralysis, senile dementia, blindness, deafness, loss of speech, Multiple Sclerosis, Parkinson’s disease, severe burns.
Conversion
- Policyholder
- Level 1: $10,000
- Level 2: $25,000
- Spouse
- Level 1: $10,000
- Level 2: $25,000
- Dependent children
- Level 1: $5,000
- Level 2: $10,000
Eligible Conditions: severe heart attack, severe stroke, life-threatening cancer, Alzheimer’s disease, coma, major organ failure, major organ failure requiring transplant, motor neurone disease, paralysis, senile dementia, blindness, deafness, loss of speech, Multiple Sclerosis, Parkinson’s disease, severe burns.
Dental
Blue Choice®
After 3 months
- Basic dental services: 75% to a maximum of $750
After 1 year
- Basic dental services: 80% to a maximum of $1,000
- Major dental services: 50% to a maximum of $1,000
After 2+ years
- Basic dental services: 80% to a maximum of $1,500
- Major dental services: 50% to a maximum of $1,500
- Basic Dental Services include procedures such as: examinations, x-rays, tests, cleaning, filling, root canals, oral surgery, denture repairs, etc.
- Major Dental Services include inlays, onlays, crowns, dentures, bridges, some orthodontic services
Conversion
After 3 months
- Basic dental services: 75% to a maximum of $750
After 1 year
- Basic dental services: 80% to a maximum of $1,000
- Major dental services: 50% to a maximum of $1,000
After 2+ years
- Basic dental services: 80% to a maximum of $1,500
- Major dental services: 50% to a maximum of $1,500
- Basic Dental Services include procedures such as: examinations, x-rays, tests, cleaning, filling, root canals, oral surgery, denture repairs, etc.
- Major Dental Services include inlays, onlays, crowns, dentures, bridges, some orthodontic services
Dental waiting period
Blue Choice®
3-month waiting period
Conversion
The 3-month waiting period will be waived provided the Insured had dental benefits under the previous employer benefits plan for 3 continuous months at the time of cancellation. If the waiting period is waived, coverage will continue uninterrupted based on the number of years dental benefits were held under the previous employer benefits plan.
Hospital cash
Blue Choice®
- Under age 65: $100 per day up to 50 consecutive days of hospitalization
- Age 65 and over: $100 per day up to 30 consecutive days of hospitalization
- Benefits begin on:
- 1st day of hospitalization due to an accident
- 4th day of hospitalization due to an illness
- 8th day of hospitalization due to maternity
Conversion
- Under age 65: $100 per day up to 50 consecutive days of hospitalization
- Age 65 and over: $100 per day up to 30 consecutive days of hospitalization
- Benefits begin on:
- 1st day of hospitalization due to an accident
- 4th day of hospitalization due to an illness
- 8th day of hospitalization due to maternity
Prescription drugs
Blue Choice®
- 80% unlimited
- Pay Direct Card
*For prescribed drugs listed in the Saskatchewan Prescription Drug Plan Formulary
Conversion
- 80% to $500 OR
- 80% to $1500
*For prescribed drugs listed in the Saskatchewan Prescription Drug Plan Formulary
Student accident
Blue Choice®
- Special benefit for out-of-province treatment
- Dread disease benefit
- Rehabilitation benefit
- Fracture and dislocation indemnity
- Confinement benefit
- Tutorial benefit
- Special treatment travel expense
- Travel accident emergency expense
- Total and permanent disability
- Optional Life Insurance
- Optional Double-Up feature
Conversion
- Special benefit for out-of-province treatment
- Dread disease benefit
- Rehabilitation benefit
- Fracture and dislocation indemnity
- Confinement benefit
- Tutorial benefit
- Special treatment travel expense
- Travel accident emergency expense
- Total and permanent disability
- Optional Life Insurance
- Optional Double-Up feature
Term life insurance
Blue Choice®
Coverage options:
- $25,000
- $50,000
- $75,000
- $100,000
- Optional $10,000 dependent child coverage
- Apply up to age 55
- Renew up to age 70
Conversion
Coverage options:
- $25,000
- $50,000
- $75,000
- $100,000
- Optional $10,000 dependent child coverage
- Apply up to age 55
- Renew up to age 70
VIP travel
Blue Choice®
- Up to 30 consecutive days per trip with no limit on the number of trips
- $5 million in emergency hospital and medical benefits
- $100,000 in air flight and common carrier accident insurance
- Up to $1000 for trip interruption
- Up to $1000 for baggage and personal effects
- Up to $1500 for meals and accommodations
Conversion
- Up to 30 consecutive days per trip with no limit on the number of trips
- $5 million in emergency hospital and medical benefits
- $100,000 in air flight and common carrier accident insurance
- Up to $1000 for trip interruption
- Up to $1000 for baggage and personal effects
- Up to $1500 for meals and accommodations