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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.

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!

How do I know what kind of coverage I need?

Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
Guaranteed Acceptance
Coverage 60% 70% 80% 70%
Health Practitioners
Massage Therapist
$55 / visit
$400 / year
$70 / visit
$500 / year
$300 / year
Health Practitioners
Physiotherapist
$40 / visit
$250 / year
$55 / visit
$400 / year
$70 / visit
$500 / year
$300 / year
Health Practitioners
Psychologist
$55 / visit
$250 / year
$80 / visit
$400 / year
$95/ visit
$500 / year
$300 / year
Health Practitioners
Chiropractor
$40/ visit
$250 / year
$55 / visit
$400 / year
$70 / visit
$500 / year
$300 / year
Health Practitioners
Acupuncturist
$55 / visit
$400 / year
$70 / visit
$500 / year
Health Practitioners
Dietitian
$40 / visit
$250 / year
$55 / visit
$400 / year
$70 / visit
$500 / year
Health Practitioners
Naturopath
$55 / visit
$400 / year
$70 / visit
$500 / year
Health Practitioners
Audiologist
$40 / visit
$250 / year
$55 / visit
$400 / year
$70 / visit
$500 / year
Health Practitioners
Occupational Therapist
$40 / visit
$250 / year
$55 / visit
$400 / year
$70 / visit
$500 / year
Health Practitioners
Osteopath
$40 / visit
$250 / year
$55 / visit
$400 / year
$70 / visit
$500 / year
$300 / year
Health Practitioners
Podiatrist / Chiropodist
$40 / visit
$250 / year
$55 / visit
$400 / year
$70 / visit
$500 / year
$300 / year
Health Practitioners
Speech Therapist
$40 / visit
$250 / year
$55 / visit
$400 / year
$70 / visit
$500 / year
$300 / year
Ambulance $420 / year $420 / year 70% up to $420 / year
Ambulance Attendant: 70% up to $280 / 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 $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Equipment** No overall maximum No overall maximum $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Nursing** $3,500 / 2 years $5,600 / 2 years $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Prosthetics** Up to $10,000 / Lifetime Up to $10,000 / Lifetime $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
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
$55 / visit
$400 / year
Complete Health
Enhanced
$70 / visit
$500 / year
Guaranteed Acceptance $300 / year
Health Practitioners
Physiotherapist
Complete Health
Entry
$40 / visit
$250 / year
Complete Health
Essential
$55 / visit
$400 / year
Complete Health
Enhanced
$70 / visit
$500 / year
Guaranteed Acceptance $300 / year
Health Practitioners
Psychologist
Complete Health
Entry
$55 / visit
$250 / year
Complete Health
Essential
$80 / visit
$400 / year
Complete Health
Enhanced
$95/ visit
$500 / year
Guaranteed Acceptance $300 / year
Health Practitioners
Chiropractor
Complete Health
Entry
$40/ visit
$250 / year
Complete Health
Essential
$55 / visit
$400 / year
Complete Health
Enhanced
$70 / visit
$500 / year
Guaranteed Acceptance $300 / year
Health Practitioners
Acupuncturist
Complete Health
Entry
Complete Health
Essential
$55 / visit
$400 / year
Complete Health
Enhanced
$70 / visit
$500 / year
Guaranteed Acceptance
Health Practitioners
Dietitian
Complete Health
Entry
$40 / visit
$250 / year
Complete Health
Essential
$55 / visit
$400 / year
Complete Health
Enhanced
$70 / visit
$500 / year
Guaranteed Acceptance
Health Practitioners
Naturopath
Complete Health
Entry
Complete Health
Essential
$55 / visit
$400 / year
Complete Health
Enhanced
$70 / visit
$500 / year
Guaranteed Acceptance
Health Practitioners
Audiologist
Complete Health
Entry
$40 / visit
$250 / year
Complete Health
Essential
$55 / visit
$400 / year
Complete Health
Enhanced
$70 / visit
$500 / year
Guaranteed Acceptance
Health Practitioners
Occupational Therapist
Complete Health
Entry
$40 / visit
$250 / year
Complete Health
Essential
$55 / visit
$400 / year
Complete Health
Enhanced
$70 / visit
$500 / year
Guaranteed Acceptance
Health Practitioners
Osteopath
Complete Health
Entry
$40 / visit
$250 / year
Complete Health
Essential
$55 / visit
$400 / year
Complete Health
Enhanced
$70 / visit
$500 / year
Guaranteed Acceptance $300 / year
Health Practitioners
Podiatrist / Chiropodist
Complete Health
Entry
$40 / visit
$250 / year
Complete Health
Essential
$55 / visit
$400 / year
Complete Health
Enhanced
$70 / visit
$500 / year
Guaranteed Acceptance $300 / year
Health Practitioners
Speech Therapist
Complete Health
Entry
$40 / visit
$250 / year
Complete Health
Essential
$55 / visit
$400 / year
Complete Health
Enhanced
$70 / visit
$500 / year
Guaranteed Acceptance $300 / year
Ambulance
Complete Health
Entry
Complete Health
Essential
$420 / year
Complete Health
Enhanced
$420 / year
Guaranteed Acceptance 70% up to $420 / year
Ambulance Attendant: 70% up to $280 / 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 $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Equipment**
Complete Health
Entry
Complete Health
Essential
No overall maximum
Complete Health
Enhanced
No overall maximum
Guaranteed Acceptance $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Nursing**
Complete Health
Entry
Complete Health
Essential
$3,500 / 2 years
Complete Health
Enhanced
$5,600 / 2 years
Guaranteed Acceptance $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Prosthetics**
Complete Health
Entry
Complete Health
Essential
Up to $10,000 / Lifetime
Complete Health
Enhanced
Up to $10,000 / Lifetime
Guaranteed Acceptance $2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
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 60% coverage
$500 / year combined maximum for dental exams, cleaning and x-rays
70% coverage
No overall maximum
80% coverage
No overall maximum
70% coverage
$1,000 / year combined maximum for fillings, extractions and root canals
Extractions and Root Canals 70% coverage
No overall maximum
80% coverage
No overall maximum
70% coverage
$1,000 / year combined maximum for fillings, extractions and root canals
Periodontal 60% coverage
$1,200 / year
Major 60% coverage
$500 / year
Orthodontics (18 and under) 60% coverage
$125 / month
$1,500 / lifetime
reimbursement limit
Coverage
Complete Health
Entry
60% ($500/year)
Complete Health
Essential
70%
Complete Health
Enhanced
80%
Guaranteed Acceptance 70%
Fillings
Complete Health
Entry
60% coverage
$500 / year combined maximum for dental exams, cleaning and x-rays
Complete Health
Essential
70% coverage
No overall maximum
Complete Health
Enhanced
80% coverage
No overall maximum
Guaranteed Acceptance 70% coverage
$1,000 / year combined maximum for fillings, extractions and root canals
Extractions and Root Canals
Complete Health
Entry
Complete Health
Essential
70% coverage
No overall maximum
Complete Health
Enhanced
80% coverage
No overall maximum
Guaranteed Acceptance 70% coverage
$1,000 / year combined maximum for fillings, extractions and root canals
Periodontal
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
60% coverage
$1,200 / year
Guaranteed Acceptance
Major
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
60% coverage
$500 / year
Guaranteed Acceptance
Orthodontics (18 and under)
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
60% coverage
$125 / month
$1,500 / lifetime
reimbursement limit
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%
Maximum No overall maximum No overall maximum $2,500 / year
$625 / 3-month quarter****
Birth Control Covered Covered Covered
Smoking Cessation $800 / 5 years $800 / 5 years
Allergy Serums $500 / year
Vaccines $250 / year
Erectile Dysfunction $250 / year
Fertility $1,500 / year
$3,000 / lifetime
Coverage
Complete Health
Entry
Complete Health
Essential
70%
Complete Health
Enhanced
80%
Guaranteed Acceptance 80%
Maximum
Complete Health
Entry
Complete Health
Essential
No overall maximum
Complete Health
Enhanced
No overall maximum
Guaranteed Acceptance $2,500 / year
$625 / 3-month 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 / 5 years
Complete Health
Enhanced
$800 / 5 years
Guaranteed Acceptance
Allergy Serums
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$500 / year
Guaranteed Acceptance
Vaccines
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$250 / year
Guaranteed Acceptance
Erectile Dysfunction
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$250 / year
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.
****3-month calendar quarters are defined as 3 consecutive months commencing on the first (1st) day of January, April, July or October in a calendar year totalling up to $2,500 per year. Check your policy booklet for details.


Online Doctors Benefit

Whether you don’t have time to see your doctor, don’t have a family doctor, or want a more convenient alternative to visiting a clinic, our new Online Doctors benefit can help you.

Included with every Complete Health plan, Medavie Blue Cross’ Online Doctors benefit now covers 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.

• You’ll have access to a network of over 600 Canadian licensed physicians, even while travelling.




A healthy body and a healthy mind

When you purchase a Complete Health plan, you’ll also get access to our full wellness program. 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.

Online Doctors Benefit

Whether you don’t have time to see your doctor, don’t have a family doctor, or want a more convenient alternative to visiting a clinic, our new Online Doctors benefit can help you.

Included with every Complete Health plan, Medavie Blue Cross’ Online Doctors benefit now covers 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.

• You’ll have access to a network of over 600 Canadian licensed physicians, even while travelling.




A healthy body and a healthy mind

When you purchase a Complete Health plan, you’ll also get access to our full wellness program. 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

Whether you need coverage for a dietician, occupational therapist, psychologist, audiologist, or massage therapist: we have you covered. Complete Health offers coverage for a wide range of health practitioners that can help you better manage your physical and mental health.




Need a prescription? Don’t worry.

We do not have an overall maximum on prescription drugs. This means we won’t limit your access to prescription medication 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 do not have overall maximums. With our extensive dental coverage, the Essential and Enhanced modules do not have a maximum on fillings, extractions and root canals.

Connecting you to more health practitioners

Whether you need coverage for a dietician, occupational therapist, psychologist, audiologist, or massage therapist: we have you covered. Complete Health offers coverage for a wide range of health practitioners that can help you better manage your physical and mental health.




Need a prescription? Don’t worry.

We do not have an overall maximum on prescription drugs. This means we won’t limit your access to prescription medication 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 do not have overall maximums. With our extensive dental coverage, the Essential and Enhanced modules do not have a maximum on fillings, extractions and root canals.

A plan that's right for you

See how other members built their Complete Health plan to fit their lives.

Sophie

Just starting out

Patrick

Retiring Soon

Alex and Audrey

Married with kids

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! Call 1-866-492-2583 Monday to Friday, 8:00 am to 5:30 pm AST