Elements

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, Elements 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!

Call us: 1-866-492-2583

How do I know what kind of coverage I need?

	Elements Entry	Elements Essential	Elements Enhanced	Guaranteed Issue

Health Benefits

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

Health Benefits

Coverage
Elements Entry	60%
Elements Essential	70%
Elements Enhanced	80%
Guaranteed Issue	70%
Health Practitioners Massage Therapist
Elements Entry	—
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Health Practitioners Physiotherapist
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Health Practitioners Psychologist
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Health Practitioners Chiropractor
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Health Practitioners Acupuncturist
Elements Entry	—
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	—
Health Practitioners Dietitian
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	—
Health Practitioners Naturopath
Elements Entry	—
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	—
Health Practitioners Audiologist
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	—
Health Practitioners Occupational Therapist
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	—
Health Practitioners Osteopath
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Health Practitioners Podiatrist/Chiropodist
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Health Practitioners Speech Therapist
Elements Entry	$250
Elements Essential	$400
Elements Enhanced	$500
Guaranteed Issue	$300
Ambulance
Elements Entry	—
Elements Essential	$420
Elements Enhanced	$420
Guaranteed Issue	70% up to $420 per year Ambulance Attendant: 70% up to $280 per year
Hearing Aids*
Elements Entry	—
Elements Essential	$400 / 5 years
Elements Enhanced	$500 / 5 years
Guaranteed Issue	$350/5 years
Family Assistance Program
Elements Entry	included
Elements Essential	included
Elements Enhanced	included
Guaranteed Issue	included
Orthotics
Elements Entry	$150
Elements Essential	$150
Elements Enhanced	$225
Guaranteed Issue	$105
Vision Care*
Elements Entry	$100 / 2 years
Elements Essential	$150 / 2 years
Elements Enhanced	$300 / 2 years
Guaranteed Issue	$105 / 2 years
Diabetic Supplies**
Elements Entry	—
Elements Essential	No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies
Elements Enhanced	No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies
Guaranteed Issue	70% up to a combined maximum of $2,500 per year with equipment, supplies, nursing and prosthetics
Equipment**
Elements Entry	—
Elements Essential	No overall maximum
Elements Enhanced	No overall maximum
Guaranteed Issue	combined maximum of $2,500
Nursing**
Elements Entry	—
Elements Essential	$3,500 / 2 years
Elements Enhanced	$5,600 / 2 years
Guaranteed Issue	combined maximum of $2,500
Prosthetics**
Elements Entry	—
Elements Essential	Up to $10,000 / Lifetime
Elements Enhanced	Up to $10,000 / Lifetime
Guaranteed Issue	70% up to a combined maximum of $2,500 per year with diabetic supplies, equipment, supplies and nursing

Dental*

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	—
Accidental Dental	$7,000 / lifetime	$7,000 / lifetime	$7,000 / lifetime	70% up to $7,000 per lifetime

Dental*

Coverage
Elements Entry	60% ($500/year)
Elements Essential	70%
Elements Enhanced	80%
Guaranteed Issue	70%
Fillings
Elements Entry	$500
Elements Essential	no overall maximum
Elements Enhanced	no overall maximum
Guaranteed Issue	no overall maximum
Extractions and Root Canals
Elements Entry	—
Elements Essential	no overall maximum
Elements Enhanced	no overall maximum
Guaranteed Issue	no overall maximum
Periodontal
Elements Entry	—
Elements Essential	—
Elements Enhanced	$1,200
Guaranteed Issue	—
Major
Elements Entry	—
Elements Essential	—
Elements Enhanced	$500
Guaranteed Issue	—
Orthodontics (18 and under)
Elements Entry	—
Elements Essential	—
Elements Enhanced	$1,500 / lifetime
Guaranteed Issue	—
Accidental Dental
Elements Entry	$7,000 / lifetime
Elements Essential	$7,000 / lifetime
Elements Enhanced	$7,000 / lifetime
Guaranteed Issue	70% up to $7,000 per lifetime

Accidental Death and Dismemberment

Accidental Death and Dismemberment — Applicant and applicant’s spouse are covered up to a maximum of $10,000 each 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 $25,000 each

Accidental Death and Dismemberment

Accidental Death and Dismemberment
Elements Entry	—
Elements Essential	Applicant and applicant’s spouse are covered up to a maximum of $10,000 each
Elements Enhanced	Applicant and applicant’s spouse are covered up to a maximum of $15,000 each
Guaranteed Issue	Applicant and applicant’s spouse are covered up to a maximum of $25,000 each

Drug Benefits

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	—

Drug Benefits

Coverage
Elements Entry	—
Elements Essential	70%
Elements Enhanced	80%
Guaranteed Issue	80%
Annual Maximum
Elements Entry	—
Elements Essential	No overall maximum
Elements Enhanced	No overall maximum
Guaranteed Issue	$2,500
Birth Control
Elements Entry	—
Elements Essential	Covered
Elements Enhanced	Covered
Guaranteed Issue	Covered
Smoking Cessation
Elements Entry	—
Elements Essential	$800 / 5 years
Elements Enhanced	$800 / 5 years
Guaranteed Issue	—
Vaccines
Elements Entry	—
Elements Essential	—
Elements Enhanced	$250
Guaranteed Issue	—
Erectile Dysfunction
Elements Entry	—
Elements Essential	—
Elements Enhanced	$250
Guaranteed Issue	—
Fertility
Elements Entry	—
Elements Essential	—
Elements Enhanced	$1,500 / year, $3,000 lifetime
Guaranteed Issue	—

Travel

Trip Duration — — 30 days 17 days

Travel

Trip Duration
Elements Entry	—
Elements Essential	—
Elements Enhanced	30 days
Guaranteed Issue	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.

Get a recommendation

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 Elements 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 join our Elements 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 Elements 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

Connecting you to more health practitioners

Whether you need coverage for a dietician, occupational therapist, psychologist, audiologist, or massage therapist: we have you covered. Elements 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

Need a prescription? Don’t worry.

A plan that's right for you

See how other members built their Elements plan to fit their lives.

Sophie

Just starting out

View my plan choice

Patrick

Retiring Soon

View my plan choice

Alex and Audrey

Married with kids

View my plan choice

Want an affordable plan with drug coverage?

Consider Entry Health with Essential Drug coverage.

Do you travel at least once a year?

Enhanced Health comes with travel coverage.

Do you have children who may be needing orthodontic treatment?

You need Enhanced Dental coverage.

Do you want coverage for the widest possible range of prescription drugs?

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.

Do you expect to eventually be covered under group health benefits?

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.

Are you interested in extra hospital coverage?

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.

Do you need life insurance?

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

Are you worried about developing a catastrophic illness?

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 6:00 pm AST