Assured Access
Take your health benefits with you wherever you go—guaranteed for life.
Assured Access
Take your health benefits with you wherever you go—guaranteed for life.
Things change, but your health insurance doesn’t
have to.
Having health insurance coverage today is crucial, but it doesn’t necessarily cover you forever.
Assured Access provides access to a comprehensive personal health plan in the event you no longer qualify for group benefits.
Group health benefits can be lost for multiple reasons:
- Career changes
- Long-term disability
- Leave of absence
- Retirement
What will Assured Access do for you?
• It takes a snapshot of your health situation today and guarantees you access to a personal health plan that covers any new medical conditions that develop later on.
• If you’re concerned about the loss of your group benefits, Assured Access can provide long-term security for you and your family.
What will Assured Access do for you?
• It takes a snapshot of your health situation today and guarantees you access to a personal health plan that covers any new medical conditions that develop later on.
• If you’re concerned about the loss of your group benefits, Assured Access can provide long-term security for you and your family.
Prepare for changes in your life
Are you expecting one of the following life changes?
- Retiring
- Losing your employment
- Changing jobs
Through your Assured Access coverage, you’ll have the opportunity to convert your employee health benefits to a personal health plan.
Best of all, there are no medical questions as long as you convert within 60 days of losing your group benefits.
Prepare for changes in your life
Are you expecting one of the following life changes?
- Retiring
- Losing your employment
- Changing jobs
Through your Assured Access coverage, you’ll have the opportunity to convert your employee health benefits to a personal health plan.
Best of all, there are no medical questions as long as you convert within 60 days of losing your group benefits.
Did you know?
Provincial health care does not cover all your expenses, and medical treatment can still leave you out of pocket thousands of dollars a year. Protect you and your family with the long-term security that Assured Access provides.
Assured Access perks
A full wellness program
Assured Access provides access to inConfidence, our confidential one-on-one counselling program. Connect with a therapist in person or via phone.
You and your eligible dependents can access support 24 hours a day, seven days a week.
You also get access to well-being web resources that help you with health, family, work, or financial issues.
Waive waiting periods
With Assured Access, waiting periods for health (e.g. vision care and hearing aids) and hospital benefits are waived automatically.
If you want dental benefits and had dental coverage under your group plan, we can waive your dental waiting periods as well.
Charge premiums against your income tax or to your Health Spending Account
Premiums for Assured Access can be added to your other medical expenses when calculating tax credits. We recommend you consult with your accountants for any specific tax questions.
Premiums for Assured Access can qualify towards your group Health Spending Account. Please verify with your group benefits provider.
Learn more about Assured Access
Any health conditions existing when you purchased Assured Access - also called pre-existing conditions - may not be covered. However, you will be protected should you develop new conditions.
That is why it’s important to apply while you are healthy and before developing new conditions.
At the time of purchase, you may choose single, couple or family coverage. If family members qualify medically, they can be covered.
Children and a spouse can be added to your Assured Access plan later. A spouse can be added within 60 days of marriage, and children can also be added within 60 days of birth or adoption, without having to answer medical questions.
Otherwise, you can still add a spouse or dependents to your Assured Access plan, but they will be required to answer medical questions.
Under most group benefit plans, children are no longer eligible for benefits once they become 21 years of age. Some plans cover children up to age 25 or 26 if they are attending a post-secondary institution full time.
Dependent children covered under your Assured Access plan would be eligible to get their own health plan coverage when they are no longer eligible under your group plan.
If your child develops a medical condition after enrolling in Assured Access, upon loss of group health benefits, this new condition will be covered by his or her personal health plan. Many customers purchase Assured Access to protect their children.
You will have access to our most comprehensive and affordable personal health plan. Elements by Blue Cross allows you to mix and match your coverage by selecting various health, drug, and dental modules to design a plan to meet your needs and budget best.
Yes. You can opt to continue paying a reduced fee for Assured Access when you activate your personal health plan. This provides you with the ability to put your health plan on hold again should you gain group benefits.
When you activate your personal health plan, it’s not necessary to continue payment of your Assured Access plan. However, it may be recommended. We encourage you to discuss your future plans with a Blue Cross Individual Representative to understand your options.
Yes. To be eligible for Assured Access you will have to answer medical questions and qualify medically. Your plan will be based on your health situation today even though you may not need to access a personal health plan for several years.
If you have Assured Access, you will not be required to answer further medical questions when you lose your group plan, so long as you activate your personal health plan within 60 days of losing group benefits.
Yes. When you switch your Assured Access plan to a personal health plan, you will begin to pay the current rates for the personal health plan.
When you activate the personal health plan, you become eligible to claim reimbursements for expenses covered under the plan. The change in premium reflects this new coverage. Rates are based on age, number of dependents and benefits selected.
Have more questions?
We’re ready to help you!
®Québec Blue Cross is a registered trademark of the Canadian Association of Blue Cross Plans (CABCP) licensed to the Canassurance Hospital Service Association (CHSA), an independent member of CABCP operating in Quebec as Québec Blue Cross.
* Trade-mark of the Canadian Association of Blue Cross Plans. † Trade-mark of Blue Cross Blue Shield Association. All rights reserved.