Complete Health
Flexible health insurance that allows you to choose the benefits that meet your needs and budget.
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 $10,000 each | Applicant and spouse are covered up to a maximum of $15,000 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 $10,000 each |
|
Complete Health Enhanced |
Applicant and spouse are covered up to a maximum of $15,000 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!
Quebec Blue Cross is a member of the Canadian Association of Blue Cross Plans.
* Trade-mark of the Canadian Association of Blue Cross Plans. † Trade-mark of Blue Cross Blue Shield Association. All rights reserved.