Skip to main content
Blue Cross Health

Complete Health

Modules Comparison

All Complete Health plans are made with one Health Benefits module, plus additional optional benefits modules to fit your needs.

Begin by reviewing our three Health Benefits modules to find the right one for you.

Your base module: Health Benefits

1. Entry 2. Essential 3. Enhanced
Coverage
60% coverage 70% coverage 80% coverage
Accidental Dental
$7,000 / lifetime $7,000 / lifetime $7,000 / lifetime
Acupuncturist
$55 per visit – max $400/CY $70 per visit – max $500/CY
Ambulance
$420/CY $420/CY
Audiologist
$40 per visit – max $250/CY $55 per visit – max $400/CY $70 per visit – max $500/CY
Chiropodist/Podiatrist
$40 per visit – max $250/CY $55 per visit – max $400/CY $70 per visit – max $500/CY
Chiropractor
$40 per visit – max $250/CY $55 per visit – max $400/CY $70 per visit – max $500/CY
Health Coaching and Chronic Disease Management (Ongoing education and support for better health)
$250/CY $400/CY $500/CY
Diabetic supplies
Dietician
$40 per visit – max $250/CY $55 per visit – max $400/CY $70 per visit – max $500/CY
Hearing Aids/Repairs (6 month wait)
$400/5CYs $500/5CYs
Wellness Program – inConfidence (24 hour confidential advice and support for personal issues)
Massage Therapist
$55 per visit – max $400/CY $70 per visit – max $500/CY
Medical Equipment
Mobility Aids
Naturopath
$55 per visit – max $400/CY $70 per visit – max $500/CY
Nursing Care
$3,500/2CYs $5,600/2CYs
Occupational Therapist
$40 per visit – max $250/CY $55 per visit – max $400/CY $70 per visit – max $500/CY
Osteopath
$40 per visit – max $250/CY $55 per visit – max $400/CY $70 per visit – max $500/CY
Orthotics/Orthopedic (custom)
$150/CY $150/CY $225/CY
Ostomy Supplies
Oxygen
Physiotherapist/Athletic Therapist
$40 per visit – max $250/CY $55 per visit – max $400/CY $70 per visit – max $500/CY
Prosthetics
Up to $10,000 / Lifetime Up to $10,000 / Lifetime
Psychologist/ Social Worker/Clinical Counsellor/ Psychotherapist
$55 per visit – max $250/CY $80 per visit – max $400/CY $95 per visit – max $500/CY
Semi-Private Hospital Room (8 month wait pregnancy related claims)
100% / 90 days
Speech Therapist
$40 per visit – max $250/CY $55 per visit – max $400/CY $70 per visit – max $500/CY
Vision Care (6 month wait)
$100/2CYs $150/2CYs $300/2CYs
Diagnostic Services Coverage
100% 100% 100%
Laboratory Tests
$500/CY $500/CY $500/CY
CT Scan Computer Tomography
$250/CY $250/CY $250/CY
Magnetic Resonance Imaging
$675/CY $675/CY $675/CY
Ultrasound
$100/CY $100/CY $100/CY
Polysomnography
$500/2CYs $500/2CYs $500/2CYs


Travel

1. Entry 2. Essential 3. Enhanced
Coverage
100% coverage
($5,000,000)
Maximum Duration
30 days


Accident Death and Dismemberment

1. Entry 2. Essential 3. Enhanced
Coverage
50% to 100% coverage 50% to 100% coverage
Maximum
$15,000 applicant or spouse
$5,000 each dependent child
$20,000 applicant or spouse
$5,000 each dependent child

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

Next, explore optional benefits that you can pick and choose from to add to your Complete Health plan.

Your optional benefits modules:


Drug Benefits ( Supplemental RAMQ coverage)1

You can add one of the two optional Drug Benefits modules to your Complete Health plan.

1. Essential 2. Enhanced
Coverage
70% coverage 80% coverage
Maximum
$100,000/CY $300,000/CY
Smoking Cessation2
$800/5CYs $800/5CYs
Fertility Drugs2
$1,500/CY up to $3,000/LT
Vaccines2
$250/CY
Allergy Serums2
$500/CY
Erectile Dysfunction Drugs2
$250/CY


1 Reimbursement 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.
2Maximums 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.



Dental Benefits

You can add one of the three optional Dental Benefits modules to your Complete Health plan.

1. Entry2. Essential3. Enhanced
Basic Dental Coverage
60% coverage
Maximum $500/CY
70% coverage
No overall maximum
80% coverage
No overall maximum
Dental Exam & Cleaning (Entry: 3 month wait; Essential and Enhanced: 6 month wait)
X-rays (Entry: 3 month wait; Essential and Enhanced: 6 month wait)
Fillings (Entry: 3 month wait; Essential and Enhanced: 6 month wait)
Extractions (6 month wait)
Root Canals (6 month wait)
Periodontal Services Coverage (24 month wait)
60% maximum $1,200/CY
Major Dental Coverage (24 month wait)
60% maximum $500/CY
Orthodontics Coverage (age 18 and under; 24 month wait)
60% maximum $1,500/LT
Reimbursement limit $125/month


Critical Illness

You can add this optional benefit module to your Complete Health plan.

Critical Illness covers in the event of an unexpected illness or injury. Payouts are $25,000 for the member, $25,000 for a spouse, and $10,000 for dependent children.

There are 16 covered conditions including: Alzheimer’s disease, blindness, burns, coma, deafness, life threatening cancer, loss of speech, major organ failure, major organ failure requiring transplant, motor neuron disease, multiple sclerosis, paralysis, Parkinson’s disease, senile dementia, severe heart attack, severe stroke.



Hospital Cash

You can add this optional benefit module to your Complete Health plan.

$100 per day for up to 100 days per calendar year when hospitalized. If aged 65 and over, benefit is limited to 30 days per year.



Assured Access

You can add this optional benefit module to your Complete Health plan.

Assured Access allows you to put your coverage on hold should you acquire group health benefits and to reactivate your health plan later without needing to qualify again medically.

Have more questions?

We’re ready to help you!

bc-bsa.png?mtime=20170831085653#asset:9156

®Québec Blue Cross is a registered trademark of the Canadian Association of Blue Cross Plans (CABCP) licensed to the Canadian 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.