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Blue Cross Health

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!

How do I know what kind of coverage I need?

Elements
Entry
Elements
Essential
Elements
Enhanced
Guaranteed Issue
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
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
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
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 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
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
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
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
Trip Duration 30 days 17 days
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.


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

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.

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

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.

A plan that's right for you

See how other members built their Elements 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 6:00 pm AST