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Blue Cross Health

Guaranteed Issue

Health Insurance for those with pre-existing conditions.

No questions. Just benefits.


Guaranteed Issue is comprehensive health insurance for Canadians under-served by standard insurance products.


The Medavie Difference



InConfidence

Access short-term counselling and legal advice any day, any time – included in your plan.

Explore coverage

Manage chronic disease

Access a network of specialized health professionals online or in person without a referral from your doctor.

See how it works

Thrive with diabetes

Diabetics receive a Glucose Monitoring System and access to a network of Certified Diabetes Educators.

Diabetes Care Program

Healthcare your way

We’ve partnered with digital innovators to bring healthcare to you.

Connected Care

What's in a Guaranteed Issue Health Plan?

Elements
Entry
Elements
Essential
Elements
Enhanced
Guaranteed Issue
Coverage 60% 70% 80% 70%
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
Coverage
Elements
Entry
60%
Elements
Essential
70%
Elements
Enhanced
80%
Guaranteed Issue 70%
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
Coverage 60% ($500/year) 70% 80% 70%
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
Coverage
Elements
Entry
60% ($500/year)
Elements
Essential
70%
Elements
Enhanced
80%
Guaranteed Issue 70%
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
Coverage 70% 80% 80%
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
Coverage
Elements
Entry
Elements
Essential
70%
Elements
Enhanced
80%
Guaranteed Issue 80%
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.

Not sure if Guaranteed Issue is right for you?


Make sure you've checked Elements first!

Have more questions?

We're ready to help! Call 1-866-492-2583 Monday to Friday, 8:00 am to 6:00 pm AST