Personal health insurance helps you pay for health care expenses that are not covered under the Régie de l’assurance maladie du Québec (RAMQ) public insurance. Similar to the benefits that you would receive if you had an employer group benefits plan, a personal health insurance plan can cover health care services, dental care, vision care and prescription drugs. It can also protect you against loss of income and provide quality protection when you travel abroad.
| Blue Flex | Health Plus | AMI | |
| Who can subscribe | 59 years and under | 59 years and under | 60 years and over |
| Satisfaction guarantee |  |
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| Satisfaction guarantee | 10 days | 10 days | 10 days |
| Prescription drugs | Optional | Optional | |
| Prescription drugs |
Complementary to the Public Prescription Drug Insurance Plan. Refund of the deductible and co-insurance that has to be paid each month to the pharmacist and the cost of certain prescription drugs that are not covered by the public plan. |
Complementary to the Public Prescription Drug Insurance Plan. Refund of the deductible and co-insurance that has to be paid each month to the pharmacist and the cost of certain prescription drugs that are not covered by the public plan. |
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| Ambulance | |
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| Ambulance | 80%, unlimited | 80%, unlimited | 80%, unlimited |
| Dental care | Optional | Optional | |
| Dental care | Preventive care covered at 80%, basic care covered at 50%. Max.: $500 the first year, $1,000/yr. thereafter. Subject to a specific deductible. |
Preventive care covered at 80%, basic care covered at 50%. Max.: $500 the first year, $1,000/yr. thereafter. Subject to a specific deductible. |
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| Dental care due to an accident | |
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| Dental care due to an accident | 80%, Max. $1,000/accident | 80%, Max. $1,000/accident | Plan B only 80%, Max. $800/accident |
| Nursing care | |
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| Nursing care | 80%, Max. 160 hrs., Max. $5000/yr. | 80%, Max. 8 hrs./day, 160 hrs./yr. | 80%, Max. 8 hrs./day, 160 hrs./yr. |
| Vision, including eye exams | |
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| Vision, including eye exams | Exam: $50/period of 24 consecutive months. Glasses and contacts: not included |
Exam: $50/period of 24 consecutive months. Glasses and contacts: $200/36 months |
Plan B only Exam: $40/period of 24 consecutive months. Glasses and contacts: $200/36 months |
| Tests in a private clinic (MRI, scanner, lab tests) |
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| Tests in a private clinic (MRI, scanner, lab tests) |
Scanner 80%, Max. $250/yr.; MRI 80%, Max. $675/yr.; Polysomnography $400/24 months; Laboratory tests 80%, unlimited |
Scanner 80%, Max. $200/yr.; MRI 80%, Max. $540/yr.; Polysomnography $400/24 months; Laboratory tests 80%, unlimited |
Scanner 80%, Max. $200/yr.; MRI 80%, Max. $540/yr.; Polysomnography $400/24 months; Laboratory tests 80%, unlimited |
| Travel insurance | Optional | Annual (14-day trips or less). Emergency medical care up to $5 million. Cancellation and interruption up to $2,500. |
Get 15% off the Emergency Medical Care benefit |
| Hospitalization in a semi-private room | |
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| Hospitalization in a semi-private room | For short-term care | For short-term care | For short-term care |
| Hospitalization in a private room | |
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| Hospitalization in a private room | Plan B only Private room covered at 80% |
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| Monthly indemnity | Optional | ||
| Monthly indemnity | (for individuals aged 50 and under) Several amounts available up to $2,000/month |
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| Assistance program for members | |
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| Blue Advantage discounts | |
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| Hearing aids | |
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| Hearing aids | $500/period of 36 months | $500/period of 36 months | Plan B only 80%, Max. $400/period of 36 months |
| Orthopedic shoes or podiatric orthotics | |
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| Orthopedic shoes or podiatric orthotics | $200/yr. | $200/yr. | Plan B only 80%, Max. $160/yr. |
| Medical devices and accessories | |
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| Medical devices and accessories | Included | Included | Plan B only |
| Health specialists | |
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| Health specialists |
Acupuncturist, audiologist or audioprosthetist, chiropractor, dietician, occupational therapist, kinotherapist, massage therapist (prescription required), naturopath, osteopath, physiotherapist or physical rehabilitation therapist, podiatrist, psychologist, speech therapist 80%, |
Acupuncturist, audiologist or audioprosthetist, chiropractor, dietician, occupational therapist, kinotherapist, massage therapist (prescription required), osteopath, physiotherapist or physical rehabilitation therapist, podiatrist, psychologist, speech therapist 80%, |
Plan B only $25/visit, |