Elements Health Insurance
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.
Step 2
Add optional Drug Benefits
Add an optional drug module to cover prescription drugs. There's no overall maximum on drug benefits!
Step 3
Add optional Dental Benefits
Our optional dental modules covers you for dental exams, cleanings, fillings and more.
Step 4
Add optional specialty modules
You can choose one, two or all three:
Step 6
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.
How do I know what kind of coverage I need?
Think about your and your family’s needs:
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.
Why us?
You have lots of options. What makes us different?