This depends on your health status. Our best personal health plan, the Complete Health plan, requires medical qualification to enroll. This means health conditions existing at the time of purchase — also called pre-existing conditions — may not be covered.

That is why it’s important to apply while you are healthy and before developing new conditions.

At the time of purchase, you may choose single, couple or family coverage. If family members qualify medically, they can be covered. 

Children and a spouse can be added to your Assured Access plan later. A spouse can be added within 60 days of marriage, and children can also be added within 60 days of birth or adoption, without having to answer medical questions. Otherwise, you can still add a spouse or dependents to your Assured Access plan, but they will be required to answer medical questions.

Under most plans, children are no longer eligible for benefits once they become 21 years of age. Some plans cover children up to age 25 or 26 if they are attending a post-secondary institution full time.

Dependent children covered under your Assured Access plan would be eligible to get their own health plan coverage when they are no longer included under your plan. If your child develops a medical condition after enrolling in Assured Access, this new condition will be covered by their new personal health plan if they apply within 60 days of no longer being covered under the group plan. Many customers purchase Assured Access to protect their children.

You will have access to our most comprehensive and affordable personal health plan. Complete Health by Medavie Blue Cross allows you to mix and match your coverage by selecting various health, drug, and dental modules to design a plan to meet your needs and budget best.

If you previously had a personal health plan that was paused with Assured Access, you will be able to activate that plan again.

Yes, you can. When you retire, you will have access to a personal health plan with the option to include the Assured Access module. This allows you to go back to Assured Access when you go back to work. While continuing Assured Access isn’t required, it may be a smart choice if you are in and out of employment. We recommend speaking with a Medavie Blue Cross individual advisor to explore what’s best for your situation.

Personal health plan members: If you add the Assured Access module to your personal health plan within the first 12 months of your membership, you can qualify without answering any medical questions. After 12 months, you can still add it, but medical questions are required.

Group plan members: If you have Assured Access and are receiving group benefits, you will not be required to answer further medical questions when you return to your personal health plan — as long as you activate it within 60 days of losing group benefits. Otherwise, you will have to answer health questions and qualify medically, and your plan will be based on your health situation today.

Not currently a Medavie member: To be eligible for Assured Access, you will have to answer health questions and qualify medically. When you lose your group benefit plan, you will not be required to answer further medical questions to activate your personal health plan, as long as you do so within 60 days of losing group benefits. A proof of loss will be required from your benefits provider or employer.

When you activate your personal health plan, you will begin to pay the current rates for the plan. Upon activation, you become eligible to claim reimbursements for expenses covered under the plan. Rates are based on age, number of dependents and benefits selected. Contact Medavie Blue Cross individual Sales or check the online quote tool to see today’s rates. Premiums are reviewed and adjusted once a year.