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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% 70% 80%
Accidental Dental
$7,000 / lifetime $7,000 / lifetime $7,000 / lifetime
Acupuncturist
$400 / year $500 / year
Ambulance
$420 $420
Audiologist
$250 / year $400 / year $500 / year
Chiropodist/Podiatrist
$250 / year $400 / year $500 / year
Chiropractor
$250 / year $400 / year $500 / year
Managing Chronic Disease (Ongoing education and support for better health)
$250 / year $400 / year $500 / year
Diabetic supplies2
Dietician
$250 / year $400 / year $500 / year
Hearing Aids/Repairs1
$400 / 5 years (6 months wait) $500 / 5 years (6 months wait)
Wellness Program – inConfidence (24 hour confidential advice and support for personal issues)
Massage Therapist
$400 / year $500 / year
Medical Equipment2
Mobility Aids
Naturopath
$400 / year $500 / year
Nursing Care2
$3,500 / 2 years $5,600 / 2 years
Occupational Therapist
$250 / year $400 / year $500 / year
Osteopath
$250 / year $400 / year $500 / year
Orthotics/Orthopedic (custom)
$150 / year $150 / year $225 / year
Ostomy Supplies
Oxygen
Physiotherapist/Athletic Therapist
$250 / year $400 / year $500 / year
Prosthetics2
$10,000 / lifetime $10,000 / lifetime
Psychologist/ Social Worker/Clinical Counsellor/ Psychotherapist
$250 / year $400 / year $500 / year
Semi-Private Hospital
100% / 90 days
Speech Therapist
$250 / year $400 / year $500 / year
Travel
100% / 30 days
Vision Care1
$100 / 2 years (6 months wait) $150 / 2 years (6 months wait) $300 / 2 years (6 months wait)
Accidental Death and Dismemberment
$15,000 applicant or spouse
$5,000 each dependent child
$20,000 applicant or spouse
$5,000 each dependent child
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 / 2 CY $500 / 2 CY $500 / 2 CY

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.

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)3

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

1. Essential 2. Enhanced
Coverage
70% 80%
Annual Maximum
$100,000 $300,000
Smoking Cessation4
$800 / 5 calendar years $800 / 5 calendar years
Fertility Drugs4
$1,500 / year up to $3,000 / lifetime
Vaccines4
$250 / year
Allergy Serums4
$500 / year
Erectile Dysfunction Drugs4
$250 / year


3 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.
4Maximums 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 Benefits1

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

1. Entry2. Essential3. Enhanced
Basic Dental Coverage
60% ($500/year)70%80%
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% ($1,200 / year)
Major Dental Coverage (24 month wait)
60% ($500 / year)
Orthodontics Coverage (age 18 and under; 24 month wait)
60% ($1,500 / lifetime)


1Waiting periods may apply to some benefits.



Critical Illness

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

Critical Illness pays cash 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 dependents.

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 year when hospitalized. If over the age of 65, 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!

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