Skip to main content
Blue Cross Health

Complete Health

Flexible health insurance that allows you to choose the benefits that meet your needs and budget.

We can help you find a plan and benefits that suit your needs, or if you know what you're looking for get a quote.

Blue Cross Health

Complete Health

Flexible health insurance that allows you to choose the benefits that meet your needs and budget.

We can help you find a plan and benefits that suit your needs, or if you know what you're looking for get a quote.

Unlike other products on the market,
Complete Health is designed to fit and grow with you.

Build the plan you need now, knowing you can change it as your circumstances and needs change. You can mix and match coverage and add or remove members to your policy. Best of all, you can pass coverage on to your children when they leave your plan.

Questions about coverage? You can compare coverage modules in the table below or give one of our agents a call, they’re always happy to help!

What kind of coverage do you and your family need?

Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
Guaranteed Acceptance
Coverage 60% 70% 80% 70%
Health Practitioners
Massage Therapist
$400 $500 $300
Health Practitioners
Physiotherapist
$250 $400 $500 $300
Health Practitioners
Psychologist
$250 $400 $500 $300
Health Practitioners
Chiropractor
$250 $400 $500 $300
Health Practitioners
Acupuncturist
$400 $500
Health Practitioners
Dietitian
$250 $400 $500
Health Practitioners
Naturopath
$400 $500
Health Practitioners
Audiologist
$250 $400 $500
Health Practitioners
Occupational Therapist
$250 $400 $500
Health Practitioners
Osteopath
$250 $400 $500 $300
Health Practitioners
Podiatrist/Chiropodist
$250 $400 $500 $300
Health Practitioners
Speech Therapist
$250 $400 $500 $300
Ambulance $420 $420 70% up to $420 per year
Ambulance Attendant: 70% up to $280 per year
Hearing Aids* $400 / 5 years $500 / 5 years $350/5 years
Family Assistance Program included included included included
Orthotics $150 $150 $225 $105
Vision Care* $100 / 2 years $150 / 2 years $300 / 2 years $105 / 2 years
Diabetic Supplies** No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies 70% up to a combined maximum of $2,500 per year with equipment, supplies, nursing and prosthetics
Equipment** No overall maximum No overall maximum combined maximum of $2,500
Nursing** $3,500 / 2 years $5,600 / 2 years combined maximum of $2,500
Prosthetics** Up to $10,000 / Lifetime Up to $10,000 / Lifetime 70% up to a combined maximum of $2,500 per year with diabetic supplies, equipment, supplies and nursing
Accidental Dental $7,000 / lifetime $7,000 / lifetime $7,000 / lifetime 70% up to $7,000 per lifetime
Coverage
Complete Health
Entry
60%
Complete Health
Essential
70%
Complete Health
Enhanced
80%
Guaranteed Acceptance 70%
Health Practitioners
Massage Therapist
Complete Health
Entry
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Physiotherapist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Psychologist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Chiropractor
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Acupuncturist
Complete Health
Entry
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Dietitian
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Naturopath
Complete Health
Entry
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Audiologist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Occupational Therapist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Osteopath
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Podiatrist/Chiropodist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Speech Therapist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Ambulance
Complete Health
Entry
Complete Health
Essential
$420
Complete Health
Enhanced
$420
Guaranteed Acceptance 70% up to $420 per year
Ambulance Attendant: 70% up to $280 per year
Hearing Aids*
Complete Health
Entry
Complete Health
Essential
$400 / 5 years
Complete Health
Enhanced
$500 / 5 years
Guaranteed Acceptance $350/5 years
Family Assistance Program
Complete Health
Entry
included
Complete Health
Essential
included
Complete Health
Enhanced
included
Guaranteed Acceptance included
Orthotics
Complete Health
Entry
$150
Complete Health
Essential
$150
Complete Health
Enhanced
$225
Guaranteed Acceptance $105
Vision Care*
Complete Health
Entry
$100 / 2 years
Complete Health
Essential
$150 / 2 years
Complete Health
Enhanced
$300 / 2 years
Guaranteed Acceptance $105 / 2 years
Diabetic Supplies**
Complete Health
Entry
Complete Health
Essential
No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies
Complete Health
Enhanced
No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies
Guaranteed Acceptance 70% up to a combined maximum of $2,500 per year with equipment, supplies, nursing and prosthetics
Equipment**
Complete Health
Entry
Complete Health
Essential
No overall maximum
Complete Health
Enhanced
No overall maximum
Guaranteed Acceptance combined maximum of $2,500
Nursing**
Complete Health
Entry
Complete Health
Essential
$3,500 / 2 years
Complete Health
Enhanced
$5,600 / 2 years
Guaranteed Acceptance combined maximum of $2,500
Prosthetics**
Complete Health
Entry
Complete Health
Essential
Up to $10,000 / Lifetime
Complete Health
Enhanced
Up to $10,000 / Lifetime
Guaranteed Acceptance 70% up to a combined maximum of $2,500 per year with diabetic supplies, equipment, supplies and nursing
Accidental Dental
Complete Health
Entry
$7,000 / lifetime
Complete Health
Essential
$7,000 / lifetime
Complete Health
Enhanced
$7,000 / lifetime
Guaranteed Acceptance 70% up to $7,000 per lifetime
Coverage 60% ($500/year) 70% 80% 70%
Fillings $500 no overall maximum no overall maximum no overall maximum
Extractions and Root Canals no overall maximum no overall maximum no overall maximum
Periodontal $1,200
Major $500
Orthodontics (18 and under) $1,500 / lifetime
Coverage
Complete Health
Entry
60% ($500/year)
Complete Health
Essential
70%
Complete Health
Enhanced
80%
Guaranteed Acceptance 70%
Fillings
Complete Health
Entry
$500
Complete Health
Essential
no overall maximum
Complete Health
Enhanced
no overall maximum
Guaranteed Acceptance no overall maximum
Extractions and Root Canals
Complete Health
Entry
Complete Health
Essential
no overall maximum
Complete Health
Enhanced
no overall maximum
Guaranteed Acceptance no overall maximum
Periodontal
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$1,200
Guaranteed Acceptance
Major
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$500
Guaranteed Acceptance
Orthodontics (18 and under)
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$1,500 / lifetime
Guaranteed Acceptance
Accidental Death and Dismemberment*** Applicant and applicant’s spouse are covered up to a maximum of $15,000 each Applicant and applicant’s spouse are covered up to a maximum of $20,000 each Applicant and applicant’s spouse are covered up to a maximum of $25,000 each
Accidental Death and Dismemberment***
Complete Health
Entry
Complete Health
Essential
Applicant and applicant’s spouse are covered up to a maximum of $15,000 each
Complete Health
Enhanced
Applicant and applicant’s spouse are covered up to a maximum of $20,000 each
Guaranteed Acceptance Applicant and applicant’s spouse are covered up to a maximum of $25,000 each
Coverage 70% 80% 80%
Annual Maximum No overall maximum No overall maximum $2,500
Birth Control Covered Covered Covered
Smoking Cessation $800 / 5 years $800 / 5 years
Vaccines $250
Erectile Dysfunction $250
Fertility $1,500 / year, $3,000 lifetime
Coverage
Complete Health
Entry
Complete Health
Essential
70%
Complete Health
Enhanced
80%
Guaranteed Acceptance 80%
Annual Maximum
Complete Health
Entry
Complete Health
Essential
No overall maximum
Complete Health
Enhanced
No overall maximum
Guaranteed Acceptance $2,500
Birth Control
Complete Health
Entry
Complete Health
Essential
Covered
Complete Health
Enhanced
Covered
Guaranteed Acceptance Covered
Smoking Cessation
Complete Health
Entry
Complete Health
Essential
$800 / 5 years
Complete Health
Enhanced
$800 / 5 years
Guaranteed Acceptance
Vaccines
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$250
Guaranteed Acceptance
Erectile Dysfunction
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$250
Guaranteed Acceptance
Fertility
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$1,500 / year, $3,000 lifetime
Guaranteed Acceptance
Trip Duration 30 days 17 days
Trip Duration
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
30 days
Guaranteed Acceptance 17 days

Benefits are per person per year unless otherwise stated. See policy booklet for more details.
*Waiting periods may apply to some benefits.
**The combined maximum applies to the coverage for diabetic supplies, equipment and supplies, nursing and prosthetics.
***Blue Cross Life Insurance Company of Canada underwrites Accidental Death and Dismemberment coverage.

Your Complete Health plan comes with convenient health care features

Online Doctors Benefit

  • Don’t have time to see your doctor?
  • Don’t have a family doctor?
  • Want a more convenient alternative to visiting a clinic?

Get three general practitioner visits a year—right from your computer or mobile device.

  • Includes a secure digital health record for storing, sharing, and managing your health data.
  • Provides the option to securely text, call, or video chat with the doctor.
  • Includes digital prescriptions (free delivery or pickup), medical notes, lab and imaging requisitions.
  • Provides access to a network of over 600 Canadian licensed physicians, even while travelling.

Online Doctors Benefit

  • Don’t have time to see your doctor?
  • Don’t have a family doctor?
  • Want a more convenient alternative to visiting a clinic?

Get three general practitioner visits a year—right from your computer or mobile device.

  • Includes a secure digital health record for storing, sharing, and managing your health data.
  • Provides the option to securely text, call, or video chat with the doctor.
  • Includes digital prescriptions (free delivery or pickup), medical notes, lab and imaging requisitions.
  • Provides access to a network of over 600 Canadian licensed physicians, even while travelling.

inConfidence — Counselling and Support

Our full wellness program, inConfidence, comes with the Complete Health plan.

Help manage life’s challenges with inConfidence, a confidential assistance program that offers one-on-one counselling and support on various topics.

Available 24 hours a day, inConfidence provides appointments over the phone or in person, for no added cost.

inConfidence — Counselling and Support

Our full wellness program, inConfidence, comes with the Complete Health plan.

Help manage life’s challenges with inConfidence, a confidential assistance program that offers one-on-one counselling and support on various topics.

Available 24 hours a day, inConfidence provides appointments over the phone or in person, for no added cost.

Connecting you to more health practitioners

Complete Health offers coverage for a wide range of health practitioners that can help you better manage your physical and mental health.

Whether you need a dietician, occupational therapist, psychologist, audiologist, or massage therapist, Complete Health has you covered.

Connecting you to more health practitioners

Complete Health offers coverage for a wide range of health practitioners that can help you better manage your physical and mental health.

Whether you need a dietician, occupational therapist, psychologist, audiologist, or massage therapist, Complete Health has you covered.

Need a prescription? Don’t worry.

We don’t have an overall maximum on prescription drugs. This means we won’t limit your access to prescription drugs based on an annual maximum cost.

No one can predict the future, and if you do need expensive medication, we want to be there for you.

Many of our other benefits also don’t have overall maximums. With our extensive dental coverage, the Essential and Enhanced modules don’t have a maximum on fillings, extractions, and root canals.

Need a prescription? Don’t worry.

We don’t have an overall maximum on prescription drugs. This means we won’t limit your access to prescription drugs based on an annual maximum cost.

No one can predict the future, and if you do need expensive medication, we want to be there for you.

Many of our other benefits also don’t have overall maximums. With our extensive dental coverage, the Essential and Enhanced modules don’t have a maximum on fillings, extractions, and root canals.

Consider Entry Health with Essential Drug coverage.

Enhanced Health comes with travel coverage.

You need Enhanced Dental coverage.

Look for the Enhanced Drug module.

Both modules are comprehensive but our Enhanced Drug module also includes fertility drugs, vaccines, allergy serums and erectile dysfunction.

Consider the Assured Access module—you can put your plan on hold if you get group benefits provided by an employer, and re-activate it later on.

If you're interested in extra hospital coverage, above and beyond what’s included in your provincial plan, the Hospital Cash module provides $100/day if you get hospitalized.

You can add pre-approved life to your plan up to age 45.

If you're you worried about developing a catastrophic illness, like a major stroke, and not having adequate savings to cover living expenses, our Critical Illness module pays cash in the event of a major unexpected illness.

Have more questions?

We're ready to help you!

bc-bsa.png?mtime=20170831085653#asset:9156

®Ontario Blue Cross is a registered trademark of the Canadian Association of Blue Cross Plans (CABCP) licensed to the Canassurance Hospital Service Association (CHSA), an independent member of CABCP operating in Ontario as Ontario Blue Cross.
* Trade-mark of the Canadian Association of Blue Cross Plans. † Trade-mark of Blue Cross Blue Shield Association. All rights reserved.