Guaranteed Acceptance
Health Plan
Health coverage without medical questions.
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.
Postal Strike: Enrol in direct deposit to prevent any interruption to your reimbursements.
Direct deposit for our members. Direct deposit for health professionals.
Health coverage without medical questions.
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.
Health coverage without medical questions.
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.
With no medical underwriting, our Guaranteed Acceptance Health Plan covers pre-existing conditions.
Enjoy health benefits without any health questions to qualify.
For one time prescriptions as well as regular maintenance drugs.
Add optional out-of-province travel coverage.
Complete Health Entry |
Complete Health Essential |
Complete Health Enhanced |
Guaranteed Acceptance |
---|
Coverage | 60% coverage |
70% coverage |
80% coverage |
70% coverage |
Health Practitioners Psychologist |
$55 per visit – max $250/CY | $80 per visit – max $400/CY | $95 per visit – max $500/CY | $300/CY |
Health Practitioners Massage Therapist |
— | $55 per visit – max $400/CY | $70 per visit – max $500/CY | $300/CY |
Health Practitioners Physiotherapist |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | $300/CY |
Health Practitioners Chiropractor |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | $300/CY |
Health Practitioners Acupuncturist |
— | $55 per visit – max $400/CY | $70 per visit – max $500/CY | — |
Health Practitioners Dietitian |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | — |
Health Practitioners Naturopath |
— | $55 per visit – max $400/CY | $70 per visit – max $500/CY | — |
Health Practitioners Audiologist |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | — |
Health Practitioners Occupational Therapist |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | — |
Health Practitioners Osteopath |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | $300/CY |
Health Practitioners Podiatrist/Chiropodist |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | $300/CY |
Health Practitioners Speech Therapist |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | $300/CY |
Ambulance | — | $420/CY | $420/CY | $420/CY Ambulance attendant: $280/CY |
Hearing Aids* | — | $400/5CYs | $500/5CYs | $350/5CYs |
Orthotics | $150/CY | $150/CY | $225/CY | $105/CY |
Vision Care* | $100/2CYs | $150/2CYs | $300/2CYs | $105/2CYs |
Diabetic Supplies | — | No overall maximum. $2,280/CY for Continuous Glucose Monitoring Supplies | No overall maximum. $2,280/CY for Continuous Glucose Monitoring Supplies | Combined maximum of $2,500/CY with medical equipment, nursing and prosthetics |
Medical Equipment | — | No overall maximum | No overall maximum | Combined maximum of $2,500/CY with diabetic supplies, nursing and prosthetics |
Nursing | — | $3,500/2CYs | $5,600/2CYs | Combined maximum of $2,500/CY with diabetic supplies, medical equipment and prosthetics |
Prosthetics | — | Up to $10,000/LT | Up to $10,000/LT | Combined maximum of $2,500/CY with diabetic supplies, medical equipment and nursing |
Accidental Dental | $7,000/LT | $7,000/LT | $7,000/LT | $7,000/LT |
Coverage | |
Complete Health Entry |
60% coverage |
Complete Health Essential |
70% coverage |
Complete Health Enhanced |
80% coverage |
Guaranteed Acceptance | 70% coverage |
Health Practitioners Psychologist |
|
Complete Health Entry |
$55 per visit – max $250/CY |
Complete Health Essential |
$80 per visit – max $400/CY |
Complete Health Enhanced |
$95 per visit – max $500/CY |
Guaranteed Acceptance | $300/CY |
Health Practitioners Massage Therapist |
|
Complete Health Entry |
— |
Complete Health Essential |
$55 per visit – max $400/CY |
Complete Health Enhanced |
$70 per visit – max $500/CY |
Guaranteed Acceptance | $300/CY |
Health Practitioners Physiotherapist |
|
Complete Health Entry |
$40 per visit – max $250/CY |
Complete Health Essential |
$55 per visit – max $400/CY |
Complete Health Enhanced |
$70 per visit – max $500/CY |
Guaranteed Acceptance | $300/CY |
Health Practitioners Chiropractor |
|
Complete Health Entry |
$40 per visit – max $250/CY |
Complete Health Essential |
$55 per visit – max $400/CY |
Complete Health Enhanced |
$70 per visit – max $500/CY |
Guaranteed Acceptance | $300/CY |
Health Practitioners Acupuncturist |
|
Complete Health Entry |
— |
Complete Health Essential |
$55 per visit – max $400/CY |
Complete Health Enhanced |
$70 per visit – max $500/CY |
Guaranteed Acceptance | — |
Health Practitioners Dietitian |
|
Complete Health Entry |
$40 per visit – max $250/CY |
Complete Health Essential |
$55 per visit – max $400/CY |
Complete Health Enhanced |
$70 per visit – max $500/CY |
Guaranteed Acceptance | — |
Health Practitioners Naturopath |
|
Complete Health Entry |
— |
Complete Health Essential |
$55 per visit – max $400/CY |
Complete Health Enhanced |
$70 per visit – max $500/CY |
Guaranteed Acceptance | — |
Health Practitioners Audiologist |
|
Complete Health Entry |
$40 per visit – max $250/CY |
Complete Health Essential |
$55 per visit – max $400/CY |
Complete Health Enhanced |
$70 per visit – max $500/CY |
Guaranteed Acceptance | — |
Health Practitioners Occupational Therapist |
|
Complete Health Entry |
$40 per visit – max $250/CY |
Complete Health Essential |
$55 per visit – max $400/CY |
Complete Health Enhanced |
$70 per visit – max $500/CY |
Guaranteed Acceptance | — |
Health Practitioners Osteopath |
|
Complete Health Entry |
$40 per visit – max $250/CY |
Complete Health Essential |
$55 per visit – max $400/CY |
Complete Health Enhanced |
$70 per visit – max $500/CY |
Guaranteed Acceptance | $300/CY |
Health Practitioners Podiatrist/Chiropodist |
|
Complete Health Entry |
$40 per visit – max $250/CY |
Complete Health Essential |
$55 per visit – max $400/CY |
Complete Health Enhanced |
$70 per visit – max $500/CY |
Guaranteed Acceptance | $300/CY |
Health Practitioners Speech Therapist |
|
Complete Health Entry |
$40 per visit – max $250/CY |
Complete Health Essential |
$55 per visit – max $400/CY |
Complete Health Enhanced |
$70 per visit – max $500/CY |
Guaranteed Acceptance | $300/CY |
Ambulance | |
Complete Health Entry |
— |
Complete Health Essential |
$420/CY |
Complete Health Enhanced |
$420/CY |
Guaranteed Acceptance |
$420/CY Ambulance attendant: $280/CY |
Hearing Aids* | |
Complete Health Entry |
— |
Complete Health Essential |
$400/5CYs |
Complete Health Enhanced |
$500/5CYs |
Guaranteed Acceptance | $350/5CYs |
Orthotics | |
Complete Health Entry |
$150/CY |
Complete Health Essential |
$150/CY |
Complete Health Enhanced |
$225/CY |
Guaranteed Acceptance | $105/CY |
Vision Care* | |
Complete Health Entry |
$100/2CYs |
Complete Health Essential |
$150/2CYs |
Complete Health Enhanced |
$300/2CYs |
Guaranteed Acceptance | $105/2CYs |
Diabetic Supplies | |
Complete Health Entry |
— |
Complete Health Essential |
No overall maximum. $2,280/CY for Continuous Glucose Monitoring Supplies |
Complete Health Enhanced |
No overall maximum. $2,280/CY for Continuous Glucose Monitoring Supplies |
Guaranteed Acceptance | Combined maximum of $2,500/CY with medical equipment, nursing and prosthetics |
Medical Equipment | |
Complete Health Entry |
— |
Complete Health Essential |
No overall maximum |
Complete Health Enhanced |
No overall maximum |
Guaranteed Acceptance | Combined maximum of $2,500/CY with diabetic supplies, nursing and prosthetics |
Nursing | |
Complete Health Entry |
— |
Complete Health Essential |
$3,500/2CYs |
Complete Health Enhanced |
$5,600/2CYs |
Guaranteed Acceptance | Combined maximum of $2,500/CY with diabetic supplies, medical equipment and prosthetics |
Prosthetics | |
Complete Health Entry |
— |
Complete Health Essential |
Up to $10,000/LT |
Complete Health Enhanced |
Up to $10,000/LT |
Guaranteed Acceptance | Combined maximum of $2,500/CY with diabetic supplies, medical equipment and nursing |
Accidental Dental | |
Complete Health Entry |
$7,000/LT |
Complete Health Essential |
$7,000/LT |
Complete Health Enhanced |
$7,000/LT |
Guaranteed Acceptance | $7,000/LT |
Coverage | 60% | 70% | 80% | 70% |
Fillings | Combined maximum of $500/CY with dental exams, cleaning and x-rays | No overall maximum | No overall maximum | Combined maximum of $1,000/CY with extractions and root canals |
Extractions and Root Canals | — | No overall maximum | No overall maximum | Combined maximum of $1000/CY with fillings |
Periodontal | — | — | 60% maximum $1,200/CY | — |
Major | — | — | 60% maximum $500/CY | — |
Orthodontics (18 and under) | — | — | 60% maximum $1,500/LT reimbursement limit $125/month | — |
Coverage | |
Complete Health Entry |
60% |
Complete Health Essential |
70% |
Complete Health Enhanced |
80% |
Guaranteed Acceptance | 70% |
Fillings | |
Complete Health Entry |
Combined maximum of $500/CY with dental exams, cleaning and x-rays |
Complete Health Essential |
No overall maximum |
Complete Health Enhanced |
No overall maximum |
Guaranteed Acceptance | Combined maximum of $1,000/CY with extractions and root canals |
Extractions and Root Canals | |
Complete Health Entry |
— |
Complete Health Essential |
No overall maximum |
Complete Health Enhanced |
No overall maximum |
Guaranteed Acceptance | Combined maximum of $1000/CY with fillings |
Periodontal | |
Complete Health Entry |
— |
Complete Health Essential |
— |
Complete Health Enhanced |
60% maximum $1,200/CY |
Guaranteed Acceptance | — |
Major | |
Complete Health Entry |
— |
Complete Health Essential |
— |
Complete Health Enhanced |
60% maximum $500/CY |
Guaranteed Acceptance | — |
Orthodontics (18 and under) | |
Complete Health Entry |
— |
Complete Health Essential |
— |
Complete Health Enhanced |
60% maximum $1,500/LT reimbursement limit $125/month |
Guaranteed Acceptance | — |
Accidental Death and Dismemberment** | — | Up to $15,000 member or spouse / $5,000 each dependent child | Up to $20,000 member or spouse / $5,000 each dependent child | Up to $25,000 member or spouse / $5,000 each dependent child |
Accidental Death and Dismemberment** | |
Complete Health Entry |
— |
Complete Health Essential |
Up to $15,000 member or spouse / $5,000 each dependent child |
Complete Health Enhanced |
Up to $20,000 member or spouse / $5,000 each dependent child |
Guaranteed Acceptance | Up to $25,000 member or spouse / $5,000 each dependent child |
Coverage | — | 70% coverage | 80% coverage | 80% coverage |
Maximum | — | No overall maximum | No overall maximum | $625/Calendar quarter*** |
Birth Control | — | Covered | Covered | Covered |
Smoking Cessation | — | $800/5CYs | $800/5CYs | — |
Allergy Serums | — | — | $500/CY | — |
Vaccines | — | — | $250/CY | — |
Erectile Dysfunction | — | — | $250/CY | — |
Fertility | — | — | $1,500/CY up to $3,000/LT | — |
Coverage | |
Complete Health Entry |
— |
Complete Health Essential |
70% coverage |
Complete Health Enhanced |
80% coverage |
Guaranteed Acceptance | 80% coverage |
Maximum | |
Complete Health Entry |
— |
Complete Health Essential |
No overall maximum |
Complete Health Enhanced |
No overall maximum |
Guaranteed Acceptance | $625/Calendar quarter*** |
Birth Control | |
Complete Health Entry |
— |
Complete Health Essential |
Covered |
Complete Health Enhanced |
Covered |
Guaranteed Acceptance | Covered |
Smoking Cessation | |
Complete Health Entry |
— |
Complete Health Essential |
$800/5CYs |
Complete Health Enhanced |
$800/5CYs |
Guaranteed Acceptance | — |
Allergy Serums | |
Complete Health Entry |
— |
Complete Health Essential |
— |
Complete Health Enhanced |
$500/CY |
Guaranteed Acceptance | — |
Vaccines | |
Complete Health Entry |
— |
Complete Health Essential |
— |
Complete Health Enhanced |
$250/CY |
Guaranteed Acceptance | — |
Erectile Dysfunction | |
Complete Health Entry |
— |
Complete Health Essential |
— |
Complete Health Enhanced |
$250/CY |
Guaranteed Acceptance | — |
Fertility | |
Complete Health Entry |
— |
Complete Health Essential |
— |
Complete Health Enhanced |
$1,500/CY up to $3,000/LT |
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 calendar year (CY) unless otherwise stated. See policy booklet for more details.
*Waiting periods may apply to some benefits.
**Blue Cross Life Insurance Company of Canada underwrites Accidental Death and Dismemberment coverage.
***A calendar quarter is defined as a period of 3 consecutive months of a calendar year, commencing the 1st day of January, April, July or October.
We’re ready to help you!
®Ontario Blue Cross is a registered trademark of the Canadian Association of Blue Cross Plans (CABCP) licensed to the Canadian 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.