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Blue Cross Health

Complete Health

Flexible health insurance that allows you to choose the benefits that meet your needs and budget.

Blue Cross Health

Complete Health

Flexible health insurance that allows you to choose the benefits that meet your needs and budget.

Unlike other products on the market,
Complete Health is designed to fit and grow with you.

Build the plan you need now, knowing you can change it as your circumstances and needs change. 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.

Questions about coverage? You can compare coverage modules in the table below or give one of our agents a call, they’re always happy to help!

What kind of coverage do you and your family need?

Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
Guaranteed Acceptance
Coverage 60% 70% 80% 70%
Health Practitioners
Massage Therapist
$400 $500 $300
Health Practitioners
Physiotherapist
$250 $400 $500 $300
Health Practitioners
Psychologist/Social worker/Clinical counsellor/ Psychotherapist
$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 Aids1 $400 / 5 years $500 / 5 years $350/5 years
Orthotics and Orthopedic Shoes $150 $150 $225 $105
Vision Care1 $100 / 2 years $150 / 2 years $300 / 2 years $105 / 2 years
Diabetic Supplies2 No overall maximum. $2,280 for Continuous Glucose Monitoring Sensors No overall maximum. $2,280 for Continuous Glucose Monitoring Sensors 70% up to a combined maximum of $2,500 per year with equipment, supplies, nursing care and prosthetics
Equipment2 No overall maximum No overall maximum combined maximum of $2,500
Nursing care2 $3,500 / 2 years $5,600 / 2 years combined maximum of $2,500
Prosthetics2 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 care
Accidental Dental $7,000/lifetime $7,000/lifetime $7,000/lifetime 70% up to $7,000/lifetime
Diagnostic Services Coverage 100% 100% 100% 100%
Laboratory Tests $500 / CY $500 / CY $500 / CY $500 / CY
CT Scan Computer Tomography $250 / CY $250 / CY $250 / CY $250 / CY
Magnetic Resonance Imaging $675 / CY $675 / CY $675 / CY $675 / CY
Ultrasound $100 / CY $100 / CY $100 / CY $100 / CY
Polysomnography $500 / 2 CY $500 / 2 CY $500 / 2 CY $500 / 2 CY
Coverage
Complete Health
Entry
60%
Complete Health
Essential
70%
Complete Health
Enhanced
80%
Guaranteed Acceptance 70%
Health Practitioners
Massage Therapist
Complete Health
Entry
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Physiotherapist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Psychologist/Social worker/Clinical counsellor/ Psychotherapist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Chiropractor
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Acupuncturist
Complete Health
Entry
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Dietitian
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Naturopath
Complete Health
Entry
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Audiologist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Occupational Therapist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance
Health Practitioners
Osteopath
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Podiatrist/Chiropodist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Health Practitioners
Speech Therapist
Complete Health
Entry
$250
Complete Health
Essential
$400
Complete Health
Enhanced
$500
Guaranteed Acceptance $300
Ambulance
Complete Health
Entry
Complete Health
Essential
$420
Complete Health
Enhanced
$420
Guaranteed Acceptance 70% up to $420 per year
Ambulance Attendant: 70% up to $280 per year
Hearing Aids1
Complete Health
Entry
Complete Health
Essential
$400 / 5 years
Complete Health
Enhanced
$500 / 5 years
Guaranteed Acceptance $350/5 years
Orthotics and Orthopedic Shoes
Complete Health
Entry
$150
Complete Health
Essential
$150
Complete Health
Enhanced
$225
Guaranteed Acceptance $105
Vision Care1
Complete Health
Entry
$100 / 2 years
Complete Health
Essential
$150 / 2 years
Complete Health
Enhanced
$300 / 2 years
Guaranteed Acceptance $105 / 2 years
Diabetic Supplies2
Complete Health
Entry
Complete Health
Essential
No overall maximum. $2,280 for Continuous Glucose Monitoring Sensors
Complete Health
Enhanced
No overall maximum. $2,280 for Continuous Glucose Monitoring Sensors
Guaranteed Acceptance 70% up to a combined maximum of $2,500 per year with equipment, supplies, nursing care and prosthetics
Equipment2
Complete Health
Entry
Complete Health
Essential
No overall maximum
Complete Health
Enhanced
No overall maximum
Guaranteed Acceptance combined maximum of $2,500
Nursing care2
Complete Health
Entry
Complete Health
Essential
$3,500 / 2 years
Complete Health
Enhanced
$5,600 / 2 years
Guaranteed Acceptance combined maximum of $2,500
Prosthetics2
Complete Health
Entry
Complete Health
Essential
Up to $10,000 / Lifetime
Complete Health
Enhanced
Up to $10,000 / Lifetime
Guaranteed Acceptance 70% up to a combined maximum of $2,500 per year with diabetic supplies, equipment, supplies and nursing care
Accidental Dental
Complete Health
Entry
$7,000/lifetime
Complete Health
Essential
$7,000/lifetime
Complete Health
Enhanced
$7,000/lifetime
Guaranteed Acceptance 70% up to $7,000/lifetime
Diagnostic Services Coverage
Complete Health
Entry
100%
Complete Health
Essential
100%
Complete Health
Enhanced
100%
Guaranteed Acceptance 100%
Laboratory Tests
Complete Health
Entry
$500 / CY
Complete Health
Essential
$500 / CY
Complete Health
Enhanced
$500 / CY
Guaranteed Acceptance $500 / CY
CT Scan Computer Tomography
Complete Health
Entry
$250 / CY
Complete Health
Essential
$250 / CY
Complete Health
Enhanced
$250 / CY
Guaranteed Acceptance $250 / CY
Magnetic Resonance Imaging
Complete Health
Entry
$675 / CY
Complete Health
Essential
$675 / CY
Complete Health
Enhanced
$675 / CY
Guaranteed Acceptance $675 / CY
Ultrasound
Complete Health
Entry
$100 / CY
Complete Health
Essential
$100 / CY
Complete Health
Enhanced
$100 / CY
Guaranteed Acceptance $100 / CY
Polysomnography
Complete Health
Entry
$500 / 2 CY
Complete Health
Essential
$500 / 2 CY
Complete Health
Enhanced
$500 / 2 CY
Guaranteed Acceptance $500 / 2 CY
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
Coverage
Complete Health
Entry
60% ($500/year)
Complete Health
Essential
70%
Complete Health
Enhanced
80%
Guaranteed Acceptance 70%
Fillings
Complete Health
Entry
$500
Complete Health
Essential
no overall maximum
Complete Health
Enhanced
no overall maximum
Guaranteed Acceptance no overall maximum
Extractions and Root Canals
Complete Health
Entry
Complete Health
Essential
no overall maximum
Complete Health
Enhanced
no overall maximum
Guaranteed Acceptance no overall maximum
Periodontal
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$1,200
Guaranteed Acceptance
Major
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$500
Guaranteed Acceptance
Orthodontics (18 and under)
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$1,500 / lifetime
Guaranteed Acceptance
Accidental Death and Dismemberment3 Applicant and spouse are covered up to a maximum of $15,000 each Applicant and spouse are covered up to a maximum of $20,000 each Applicant and spouse are covered up to a maximum of $25,000 each
Accidental Death and Dismemberment3
Complete Health
Entry
Complete Health
Essential
Applicant and spouse are covered up to a maximum of $15,000 each
Complete Health
Enhanced
Applicant and spouse are covered up to a maximum of $20,000 each
Guaranteed Acceptance Applicant and spouse are covered up to a maximum of $25,000 each
Coverage 70% 80% 80%
Annual Maximum $100,000 $300,000 $2,500
Smoking Cessation Drugs5 $800 / 5 years $800 / 5 years
Vaccines5 $250
Erectile Dysfunction5 $250
Fertility5 $1,500 / year, $3,000 lifetime
Coverage
Complete Health
Entry
Complete Health
Essential
70%
Complete Health
Enhanced
80%
Guaranteed Acceptance 80%
Annual Maximum
Complete Health
Entry
Complete Health
Essential
$100,000
Complete Health
Enhanced
$300,000
Guaranteed Acceptance $2,500
Smoking Cessation Drugs5
Complete Health
Entry
Complete Health
Essential
$800 / 5 years
Complete Health
Enhanced
$800 / 5 years
Guaranteed Acceptance
Vaccines5
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$250
Guaranteed Acceptance
Erectile Dysfunction5
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$250
Guaranteed Acceptance
Fertility5
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
$1,500 / year, $3,000 lifetime
Guaranteed Acceptance
Trip Duration 30 days 17 days
Trip Duration
Complete Health
Entry
Complete Health
Essential
Complete Health
Enhanced
30 days
Guaranteed Acceptance 17 days

Benefits are per person per calendar year unless otherwise stated. See policy booklet for more details.

1Waiting periods may apply to some benefits.
2The combined maximum applies to the coverage for diabetic supplies, equipment and supplies, nursing and prosthetics.
3 Blue Cross Life Insurance Company of Canada underwrites Accidental Death and Dismemberment coverage.
4Reimbursement at 70% or 80% based on the selected coverage for: the deductible and the coinsurance payable under the Régie de l’assurance maladie du Québec (RAMQ) list of medications or under an equivalent group insurance coverage, and the cost of prescription drugs not listed on the RAMQ list of medications provided they meet the definition of eligible drugs under the policy and appear on the managed drug formulary.
5Maximums do not apply if the drugs are indicated as covered under the List of Medications administered by RAMQ or under an equivalent group plan. Benefit Annual Maximum applies.


Your Complete Health plan comes with convenient health care features

inConfidence — Counselling and Support

Our full wellness program, inConfidence, comes with the Complete Health plan.

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.

inConfidence — Counselling and Support

Our full wellness program, inConfidence, comes with the Complete Health plan.

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

Complete Health offers coverage for a wide range of health practitioners that can help you better manage your physical and mental health.

Whether you need a dietitian, occupational therapist, psychologist, audiologist, or massage therapist, Complete Health has you covered.

Connecting you to more health practitioners

Complete Health offers coverage for a wide range of health practitioners that can help you better manage your physical and mental health.

Whether you need a dietitian, occupational therapist, psychologist, audiologist, or massage therapist, Complete Health has you covered.

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.

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.

Have more questions?

We're ready to help you!

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®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.