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Insurance Coverage Ending?

Insurance Coverage Ending?

Changing situations at work are stressful enough without worrying about your insurance.

If your insurance coverage with Medavie Blue Cross is ending or being downgraded because you’re changing employers, retiring, or have recently lost your job, you may be able to convert to a personal life insurance policy with our Select Conversion Plan.


About the Select Conversion Plan


The Select Conversion Plan gives you the coverage you need for the routine medical expenses you encounter as well as for unexpected medical emergencies and accidents — with no medical underwriting.

Start with the Base Module, which provides comprehensive coverage for a variety of medical expenses. From there, you can add Prescription Drugs, Dental and Annual Travel coverage, according to your and your family’s individual needs.

You must apply within 30 days of your Medavie Blue Cross group benefits being terminated to be eligible for the Select Conversion Plan.

Base Module (Mandatory)

The Base Module of our Select Conversion Plan provides you with a suite of health care benefits to
help protect your finances and your health, right when you need it most.

Direct Payment Plan: 100% paid by Medavie Blue Cross

  • Semi-private accommodations

Reimbursement Plan: 70% paid by Medavie Blue Cross, 30% paid by subscriber at time of service.

  • Accidental dental
  • Ambulance
  • Ambulance attendant
  • Contact lenses
  • Diabetic supplies
  • Equipment rental: wheelchair, hospital-type bed
  • Hearing aids
  • Orthopedic shoes and supplies
  • Ostomy supplies
  • Other practitioners: licensed qualified speech therapist, massage therapist, clinical psychologist, registered chiropractor, osteopath or chiropodist/podiatrist
  • Oxygen
  • Physician's services out-of-province
  • Physiotherapy
  • Private-duty nursing
  • Prosthetic appliances
  • Victorian Order of Nurses
  • Vision care

$5,000 coverage for each participant in the event of accidental death


Prescription Drugs (Optional)

Our Prescription Drug Coverage Module is offered in two distinct plans to provide you with the
ideal coverage for you and your family.

The subscriber pays the pharmacist for the full cost of the prescription and sends the detailed receipt to Medavie Blue Cross for reimbursement at 80%. With this plan there is a deductible of $50 per participant to a maximum of $100 per family, per calendar year.

The subscriber simply presents their Medavie Blue Cross identification card and pays the pharmacist 20% of the cost of the prescription. The pharmacist will bill Medavie Blue Cross for the balance. This benefit is only for services rendered in Canada1.


Dental with AD&D (Optional)

We offer coverage for the most-often requested dental benefits. This plan also provides coverage
to protect you in the event of accidental loss of life or limb.

Medavie Blue Cross will pay 70% of the dentist’s usual and customary fees2, up to the current provincial fee guide for general practitioners.

  • Recall examination – one per calendar year
  • Scaling – one unit per calendar year
  • Polishing – one unit per calendar year
  • X-rays
  • Fillings
  • Extractions
  • Root canal therapy
  • Denture rebasing
  • Denture relining
  • Denture repairs

You are your spouse will be covered to a maximum of $25,000 each. Dependents other than your spouse are covered to a maximum of $5,0003.

We will pay 100% of the principal sum for:

  • Loss of life
  • Loss of, or loss of use of, both hands, or both feet
  • Loss of, or loss of use of, one hand AND one foot
  • Loss of entire sight in both eyes

We will also pay 50% of the principal sum for:

  • Loss of, or loss of use of, one hand OR one foot

Annual Travel (Optional)

Our Annual Travel Module is ideal for people who make short but frequent trips outside their province of residence.
There is no limit to the number of trips you can take, but no one trip can exceed 30 days.

The Travel Plan provides coverage for the cost of treatment following an accident or sudden illness that occurs outside your province of residence. This coverage also features access to the World Assistance Service, which provides a toll-free, 24-hour hotline to help arrange your emergency care anywhere in the world.

The following benefits are covered at 100%4, up to the maximum eligible expense specified in the policy:

  • Hospital accommodation
  • Doctors’ bills
  • Medical appliances: wheelchairs, crutches, canes
  • Registered private nursing
  • Ambulance/air ambulance
  • Transportation home
  • Diagnostic services
  • Paramedical services
  • Prescriptions
  • Accidental dental—up to $2,000 Canadian
  • Vehicle return—up to $1,000 Canadian

For more information contact us

Disclaimers:

1Prescription drug coverage is not available to any participant aged 65 or over who is eligible under a government-sponsored prescription drug program. Please refer to the contract for a more detailed explanation of benefits. Please note that you must have had drug coverage under your group plan to qualify for prescription drug coverage through Select.

2Please note that if you did not have dental coverage under your Medavie Blue Cross group plan, dental benefits will only be available after six months of continuous coverage.

3Coverage for Accidental Death and Dismemberment terminates the month following the attainment of age 65. The dependent children’s coverage will cease when no longer dependent under the terms of the contract or when neither the subscriber or subscriber’s spouse, if applicable, is covered for the benefit under the contract.

4The Travel Plan is not available to any participant aged 65 or over. This is an overview of benefits offered under the Select Conversion Plan. This document is not a policy or contract and does not contain all benefits or terms and conditions. You must apply within 30 days of your Medavie Blue Cross group benefits being terminated to be eligible for the Select Conversion Plan. The employee must convert to the Select Conversion Plan for dependents to be eligible. In cases where the employee is deceased, the requirement is waived and surviving dependents may convert to the Select Conversion Plan.