In general, government health plans in Canada do not cover healthcare costs outside of the hospital, including prescription drugs and medications, dental work, specialized health practitioners like physiotherapists and massage therapists, mental health services and psychologists, ambulances, vision care and more.
Health issues could leave you with thousands of dollars in unplanned medical bills.
Blue Cross Health™ Complete Health Insurance is there to secure your finances and provide you peace of mind.
Know what you’re looking for? Get a quote.
Complete Health insurance is designed to fit and grow with you
Prescription drugs and medications
Physiotherapists, massage therapists and chiropractors
Mental health support, psychologists and counsellors
Every Complete Health Plan plan starts with a health benefits module (Entry, Essential and Enhanced). Each health module covers you for vision care, physiotherapy, dietitian services, counselling and other healthcare benefits not covered by your provincial government.
Entry module includes 60% coverage, meaning the plan pays 60% of eligible expenses while you pay 40%.
Essential module includes 70% coverage.
Enhanced includes 80% coverage.
Once you choose your health module, you can then add optional modules to your plan.
Assured Access allows you to retain health coverage even if you lose your employee group benefits (group benefits are insurance plans provided by your employer). This module is useful if you are planning to switch jobs, recently switched jobs, unexpectedly unemployed, self-employed with variable income, between contract or seasonal work, or leaving a job with group benefits.
Critical Illness coverage provides a tax-free, lump sum cash payment upon diagnosis of 44 conditions including cancer, heart attack, stroke and Alzheimer’s disease. This makes it among the most comprehensive coverage in Canada.
Hospital Cash coverage pays out cash every day of your hospital stay to cover incidentals and lost income.
Unfortunate statistics about Atlantic Canada healthcare…
In New Brunswick, about 50% of residents fear they won’t receive healthcare when needed (CBC News).
Only 56% of Nova Scotians who accessed healthcare services in the past year reported being satisfied with the care received (CBC News).
Approximately 27% of Prince Edward Islanders do not have regular access to a primary healthcare provider, making PEI the province with the highest percentage of residents without a primary care provider in Canada (Statistics Canada).
About 90% of residents of Newfoundland and Labrador rate their healthcare system as fair or poor (CBC News).
Health insurance can help supplement healthcare access
Complete Health Insurance plans typically offer extensive benefits that cover a wide range of health services, including prescription drugs, dental care, vision care, and mental health support, ensuring that many healthcare needs are met.
Healthcare Practitioners
Acupuncturist
Audiologist
Podiatrist
Chiropractor
Dietitian
Massage Therapist
Naturopath
Occupational Therapist
Osteopath
Physiotherapist
Speech Therapist
Psychologist and Counsellor
Medical Care and Supplies
Accidental death and dismemberment
Accidental dental
Ambulance
Health coaching and chronic disease management
Diabetic supplies
Hearing aids/repairs
Hospitalization (semi-private room)
Medical equipment
Mobility aids and orthopedic appliances
Nursing care
Ostomy supplies
Orthotics/orthopedics
Oxygen
Prostheses
Vision care
Travel (emergency medical care)
Drugs and Medications
100% coverage options (insurance plan will pay for the full cost of eligible prescription drugs)
No maximum options (no annual or lifetime limit on the total amount the insurance will pay for covered medications)
Smoking cessation drugs
Fertility drugs
Allergy serums
Erectile dysfunction drugs
Vaccines
Dental Plan
Dental exams and cleaning
X-rays
Fillings
Extractions
Root canals
Periodontal services
Major dental
Orthodontics
Additional Coverage
Critical illness (pays cash in the event of an unexpected illness)
Hospital cash (cash paid to you when you are hospitalized)
Assured Access (allows you to pause your coverage should you acquire group benefits)
Yes! Having travel insurance as part of your Complete Health plan provides reassurance that you are covered for unexpected health-related events and other travel issues.
Yes, individual health insurance premiums are generally eligible to be claimed as medical expenses on your tax return. We can help you navigate claiming these premiums. Book a meeting or call us at 1-877-309-7634 to learn more.
Health insurance companies cannot arbitrarily drop your coverage, but if you don’t pay the monthly premiums on time, your insurer can cancel your coverage.
There are a variety of health insurance plans for seniors.
Complete Health is a flexible plan that allows you to choose benefits to protect you and your family.
The Retiree Plan is a transitional health plan. If you are between the ages of 50-74 and are currently provided benefits coverage through an employer, you can apply with no medical questions within 60 days of losing group insurance coverage.
Health insurance helps pay for expenses not covered by your provincial government health plan.
In general, government health plans in Canada <strong>do not cover healthcare costs outside of the hospital</strong>, including prescription drugs and medications, dental work, specialized health practitioners like physiotherapists and massage therapists, mental health services and psychologists, ambulances, vision care and more.
Health issues could leave you with thousands of dollars in unplanned medical bills.
Complete Health insurance is there to secure your finances and provide you peace of mind.
Yes, Medavie Blue Cross offers insurance to international students, visitors, and temporary residents in Canada.
For example, for international students in New Brunswick, Medavie Blue Cross provides coverage through the New Brunswick International Student Program (NBISP)
Health insurance helps pay for expenses not covered by your provincial government health plan while you’re living.
Life insurance pays out your beneficiary (family, charity, etc.) after you die.
We provide both health insurance and life insurance solutions, as well as critical illness insurance and disability insurance. Book a meeting or call us at 1-877-309-7634 to learn more.
