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The Advice Centre

Insurance Basics

Understanding how health insurance works can be challenging. We want to help you demystify your health coverage so we‘ve assembled some useful information based on common questions we hear from people looking to purchase coverage and from our plan members every day.

Pre-authorization protects you from the unexpected when you claim

Understand the preauthorization process with Pacific Blue Cross. Get detailed information and tips to ensure your medical services and treatments are approved smoothly.

How Health Insurance Works

As you go through life, there’s always a chance that you’ll have some kind of an accident or maybe a serious illness or injury

Government Health Insurance vs Private Health Plan

What is the difference between the EHC coverage provided by Pacific Blue Cross and the Medical Services Plan provided by the BC government?

Understanding Reasonable and Customary Limits

Reasonable and customary limits are the range of usual fees for comparable medical services in a geographic area

Avoid the shoebox effect — File your claim as soon as possible

Filing your claim right away ensures ALL your expenses are considered for coverage under your plan.

What do you mean its not covered

There’s nothing more frustrating than having out-of-pocket medical costs and finding out that those costs aren't covered by your health plan.

Understanding Pre-Existing Conditions

A pre-existing condition is a health condition that you’ve had before your insurance coverage begins.

What's the difference between my private drug plan and BC PharmaCare

The BC government's Fair PharmaCare plan helps protect British Columbians from high drug costs by subsidizing eligible drugs and other designated medical supplies prescribed by a physician

How do I apply for Special Authority from BC PharmaCare

While many drugs are eligible for funding from PharmaCare, there are some drugs that require Special Authority from PharmaCare.

How to make a health claim

Methods and guidelines on filing your health claims

How Health Spending Accounts work

A Health Spending Account is an account with a predetermined dollar amount used to pay for expenses not covered under the regular extended health and dental plans

How to make a claim (Out Province)

Before you leave the province, it’s important that you understand what is covered under your health plan and the impact a large claim could have.