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Elements Health Insurance

Elements by Medavie Blue Cross


Flexible health insurance

Elements can help you pay for both routine and unexpected expenses not covered by your provincial health plan.

A plan that's right for you

Elements lets you build your coverage around your life so you can live the way you want and know you’re covered. Starting with Health Benefits, choose the level of module that meets your needs, then mix and match your other coverage by selecting the elements that work for you.

Sophie

Just starting out

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Alex & Audrey

Married with kids

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Simon

Getting married

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*Some restrictions apply. Please note, you must live in Atlantic Canada and be covered by a provincial health care plan to be eligible for coverage.

A plan that grows with you

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 without the need for medical qualification when:

A spouse is added or removed from your plan
A child is added or removed from your plan

Building your Elements plan

Step 1: Choose your Health Benefits module

Every Elements plan starts with a health benefits module, which covers you for vision care, health practitioners, nursing care, medical supplies and more.

Compare modules

Step 2: Add optional Drug Benefits

Add an optional drug module to cover prescription drugs. There's no overall maximum on drug benefits!

Compare modules

Step 3: Add optional Dental Benefits

Our optional dental modules covers you for dental exams, cleanings, fillings and more.

Compare modules

Step 4: Add optional specialty modules

You can choose one, two or all three:

Step 5: Get an estimate

Our super-simple rate calculator will get you an estimate in no time.

Step 6: Apply!

Complete our easy online application and you'll soon be on your way to becoming a Medavie Blue Cross member.

Apply now

How do I know what kind of coverage I need?

Think about your and your family’s needs:


Consider Entry Health with Essential Drug coverage.

Enhanced Health comes with travel coverage.

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.