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Blue Cross Health

Elements

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.

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Building your Elements Plan

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.

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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.

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A plan that's right for you

See how other members built their Elements plan to fit their lives.

Sophie

Just starting out

View my plan choice

Patrick

Retiring Soon

View my plan choice

Alex and Audrey

Married with kids

View my plan choice
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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?

Elements
Entry		 Elements
Essential		 Elements
Enhanced		 Guaranteed Issue
Health Practitioners
Massage Therapist		 — $400 $500 $300
Health Practitioners
Physiotherapist		 $250 $400 $500 20 visits
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
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 20 visits
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
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
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
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 —
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.


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.

Find your rate

Not sure if you qualify?

If you're concerned that Elements won't meet your medical needs, we've got products that will.

  1. Have you ever been diagnosed with chronic disease? Is / was it:
    • Alzheimer’s / Dementia
    • Cystic Fibrosis
    • Heart failure
    • HIV / AIDS
    • Insulin Dependent Diabetes
    • Hemophilia
    • A kidney disease
    • A liver disease
    • Lupus
    • Multiple Sclerosis
    • Muscular Dystrophy
    • Organ transplant
    • Parkinson’s

  2. Have you been hospitalized within the past 3 years? Was it for:
    • Anorexia / Bulima
    • Cancer (any form)
    • Leukemia
    • Lymphoma
    • Heart attack
    • Hepatitis
    • Pancreatitis
    • Stroke
    • Suicide attempt
    • Any mental health disorder

  3. Are you currently investigating a medical issue or symptoms that have not yet been diagnosed?

  4. In the past 5 years have you used controlled substances that were not prescribed by a doctor?

  5. Have you received treatment for drug or alcohol usage?
View Guaranteed Issue

Have more questions?


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