Skip to main content
Blue Cross Health

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.

Blue Cross Health

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.

The Guaranteed Acceptance Health Plan provides
basic health coverage for routine medical expenses.

With no medical underwriting, our Guaranteed Acceptance Health Plan covers pre-existing conditions.

Guaranteed Acceptance perks

Get a range of health benefits

Enjoy health benefits without any health questions to qualify.

Drug coverage is included

For one time prescriptions as well as regular maintenance drugs.

Take your coverage with you

Add optional out-of-province travel coverage.

What’s in a Guaranteed Acceptance Health Plan?

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.

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 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.