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Frequently asked questions

Am I eligible for a Blue Cross health insurance plan?

To apply for Blue Cross health insurance, you must:

  • Be a resident of Québec
  • Have a valid Régie de l’assurance maladie du Québec (RAMQ) card
  • Currently not be hospitalized
  • Meet the eligibility criteria for the product you are interested in

I am perfectly healthy. Why do I need a health insurance plan?

A health insurance plan protects you in case you fall ill or have an accident. Your health requires protection, just as you insure your home and vehicle in case of an accident.
A health insurance plan is also an excellent way to avoid the high costs of needs such as vision care and registered specialists and therapists, and to protect you against the high costs of some emergency medical care.
Our plans provide a sense of security that can improve your quality of life. Enrolling in a Blue Cross plan automatically grants you access to the members-only assistance program.

Do you have a plan that covers dental only? Or drugs only?

No. Dental and drug benefits are offered only as options in some of our products.

Can I replace my government health insurance plan with a Blue Cross plan?

No. All Blue Cross insurance plans require that you hold a valid provincial health insurance card. Our coverage is available to help you cover expenses beyond those that are covered under your provincial health care plan.

What benefits does Blue Cross offer?

Blue Cross offers a wide range of health plans that include extended health care coverage, to which you can add optional benefits, such as prescription drugs, dental care and critical illness coverage. We also offer more specialized plans, such as life, disability and mortgage insurance.

I’m a senior. Do I get a seniors discount?

Since premiums are based on age, and since health care tends to be more expensive as we grow older, discounts are not available on our health insurance plans.

Can I pay a higher premium to increase my dental or drug coverage?

Blue Cross insurance plans cannot be modified. Depending on your needs, you can increase your protection with optional benefits such as supplementary prescription drug insurance and dental care. Contact us for more information.

How long does it take for my coverage to start?

Depending on the plan you applied for, coverage may start as early as the next business day. However, some plans involve a selection process. In this case, your coverage may not start for a few weeks. Some specific benefits may have a waiting period.

Is a physical exam necessary for me to apply for coverage?

Blue Cross does not require a physical exam for health insurance coverage. However, depending on the plan you choose, you may be asked for information about your medical history.

Do I need to sign a contract?

Blue Cross does not require you to sign a contract for any length of time. However, if you want to cancel your Blue Cross insurance policy, you will need to provide a signed, written request. Some plans may require 30 days’ notice for a cancellation to be applied.

Do your dental plans cover braces?

Unfortunately, braces are not covered under any of our dental options.