Elements Health Insurance
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.
*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.
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: Apply!
Complete our easy online application and you'll soon be on your way to becoming a Medavie Blue Cross member.
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.
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.