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Elements Health Insurance Logo

Live life the way you want.

We’ve got you covered.

Elements is a flexible health insurance plan that allows you to choose the benefits you want to meet your needs and budget.

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.

Building your Elements plan

Life doesn’t stay the same, so why should your health insurance? Build the plan you need now, knowing you can change it as your circumstances and needs change. Start by picking one of our three health modules and then add any other modules that make sense for you.

Step 1

Choose your Health Benefits module

Every Elements plan starts with a health benefits module, which covers you for vision care, physiotherapy, dietician services, counselling 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:

Assured Access module

Critical Illness module

Hospital Cash module

Step 5

Get an estimate

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

Step 6

Apply Now!

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

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

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.

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.

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.

Why us?

You have lots of options. What makes us different?