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What you get with Guaranteed Issue

Guaranteed issue offers competitive coverage, flexible options and access to additional Medavie benefits.


Health benefits

Guaranteed Issue is a standard plan covering 70% of eligible medical costs.

Health practitioners

70% coverage.

Limits

  • Physiotherapist $300 per year.
  • InConfidence family assistance and well-being resources, available any time.
  • Chiropractor $300 per year.
  • Massage $300 per year.
  • Osteopath $300 per year.
  • Podiatrist/Chiropodist $300 per year.
  • Mental health* $300 per year.
  • Speech therapist $300 per year.

* Psychologist/ Social Worker/ Clinical counsellor

Vision

70% up to $105 per 2 years with a 6 month waiting period.

Accidental dental

70% up to $7000 per lifetime.

Managing chronic disease

70% up to $300 per year. Details

Special equipment and services*

70% up to a combined maximum of $2500 per year.

* Diabetic supplies, Medical equipment, Medical services and supplies, Nursing care, Prosthetics.

Hearing aids

70% up to $350 per 5 years.

Orthotics and orthopedic shoes

70% up to $105 per year.

Ambulance coverage

70% of ambulance and attendant fees up to policy limits.

70% up to $420 per year for ambulance fees.

70% up to $280 per year for ambulance attendant fees.

Hospital coverage

100% coverage for semi-private room up to 90 days per year.

Semi private room coverage:

  • 100% coverage for up to 90 days per year.
  • $30 per day when semi-private room unavailable.
  • For claims relating to pregnancy, this benefit begins after 8 months.


Prescription drugs

We’ll cover 80% of the cost of prescribed drugs up to $2500.


Dental

Dental fees are covered at 70%.

Coverage must be active for 6 months before benefits activate.

One recall examination, scaling and polishing unit* are covered per year.

Coverage includes:

  • X-rays.
  • Fillings.
  • Extractions.
  • Root Canal.
  • Denture cleaning, rebasing, relining and repair.

* 1 unit = 15 minutes


Accidental Death & Dismemberment

Accidental Death and Dismemberment provides coverage up to the age of 65. You and your spouse are covered up to a maximum of $25000 each. Dependent children are covered up to a maximum of $5000.

Benefits and payment:

Loss of life

100% of $25000 or $5000 benefit.

Both hands or both feet

100% of $25000 or $5000 benefit.

One hand and one foot

100% of $25000 or $5000 benefit.

One hand or one foot

50% of $25000 or $5000 benefit.

Full vision loss

100% of $25000 or $5000 benefit.

Last expense benefit

$5000 coverage for each participant in the event of accidental death.*

* This benefit has no term limit.


Travel

Emergency medical travel insurance for an unlimited number of trips up to a maximum of 17 days each.

The Medavie difference

Medavie Health Insurance members get full access to a range of secondary benefits and services to make accessing and enjoying healthcare easier.



inConfidence

We’ve partnered with LifeWorks - a confidential family assistance program – to offer wellbeing resources whenever you need them.

Medavie personal health plans come with 24/7 access to support and answers to questions about work, life, health, family, or money.

We can offer expert advice, support, practical resources, and referrals to help you manage life’s issues and challenges – whether personal or professional.


Connected Care

You don’t have to search for healthcare providers. Connected Care brings healthcare to you.

Find and connect with doctors, psychologists and physiotherapists in minutes – day or night – online.

Coordinate with professionals to develop and manage your personalized diabetes plan. We’ll send test strips to your doorstep.

Access training programs from a global network of experts in mindfulness, all available through your Medavie health plan.


My Good Health®

My Good Health is an online wellness portal that provides you with interactive health tools and extensive library of health and wellness information. Our Health Risk Assessment tool offers individually tailored programs to help individuals create and maintain a path to healthier living.


Managing Chronic Disease

Enjoy the support of a network of chronic disease specialists without a doctors referral.

This Medavie benefit connects you with a network of specialists to help you understand and manage chronic conditions.

Whether you’re trying to quit smoking, manage diabetes, thrive with athsma or improve your heart health – connect with specialists online or in person.


Patient First Network

Nobody can handle a serious medical condition alone. The Patient First network exists so that you don't have to.

Beyond the emotional and physical burden of treatment, Canadians that receive severe diagnosis are also required to navigate a labyrinth of bureaucratic requirements to access the help they need.

That’s where the Patient First Network comes in. Our program provides access to Medavie-staffed Registered Nurses and healthcare professionals to engage with physicians, specialists, pharmacists and support programs on your behalf. They engage with the system so you can focus on your healthcare.


Blue Advantage Member Savings

As part of the Blue Cross network, Medavie is proud to offer a range of special advantages to members.

Blue Advantage Member Savings allows Blue Cross members to save on medical supplies, vision care and a range of other products and services across Canada.

Simple present your Blue Cross card at the point of sale to participating retailers and save!


Pharmacy Partners Preferred Network

Save on every refill by filling your prescription at a pharmacy that participates in our preferred network!

Beyond just prescriptions, enjoy savings on:

  • Costco memberships.
  • Participating dieticians.
  • Online prescriptions.


My Home Rx

Forget the commute to the pharmacy. Have all your prescriptions delivered safely to your door with My Home Rx, a service offered for free to all Medavie Blue Cross members.