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.

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

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

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

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

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

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.

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

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

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

Methods and guidelines on filing your health claims

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

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.