Personal Insurance HomeAre you and all applicants residents of BC or the Yukon actively enrolled under the Government health plan?
Our Individual Insurance Plans are provided ONLY to residents of BC or the Yukon who are actively enrolled in the Government Health Care plan.
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Are you a resident of another province?
Please contact Blue Cross Canada at www.bluecross.ca to find your provinces' blue cross. -
Are you a visitor to Canada and arrived within the last 30 days?
You may find more information about our "Visitors to Canada Travel Plan".
Please feel free to contact us if you have any further questions at 1 800 USE-BLUE(873-2583) or e-mail us.
What's your first name?
Hello. How many people are you looking to cover today?
And the oldest member you're hoping to cover is?
What kind of benefits and insurance are you looking for today?
Are you looking to add dental benefits to your existing Pacific Blue Cross employer health plan?
Do you happen to be looking for something to replace a group health plan?
For example, have you left your job in the past 60 days?
Do you have any health or dental appointments or services scheduled in the near future (90 days), that you can't reschedule?
Please select all that apply to you.
Do you have an existing medical condition that requires regular use of prescription drugs or treatments such as physiotherapy?
Are you retired or retiring?
Personal Health and Dental Insurance Plan
Thanks. Based on what you’ve told us, our Health and Dental plan plan is a great fit for your needs.
Build your personalized Health and Dental plan in two easy steps
Step 1: Health
Our Health and Dental plan includes coverage that protects you from health care expenses not covered by MSP.
Your coverage defined
Learn more about the flexible health benefits included in your plan. Certain coverage will vary based on the plan level selected.
Your options
Choose from Bronze, Silver, or Gold Health coverage.
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| Lifetime maximum | $375,000 | $500,000 | Unlimited |
| Prescription drugs | $5,000 Limit 70 or 80%* $5 dispensing fee |
$10,000 Limit 70 or 90%* $10 dispensing fee |
Unlimited 80 or 90%* $10 dispensing fee |
| Practitioner services | $30/session max $400/pract/year |
$40/session max $600/pract/year |
$50/session max $800/pract/year |
| Mental wellness services | $750 combined/year | $750 combined/year | $1,500 combined/year |
| Vision care 6 month waiting period |
$250 $60 eye exam Every 2 years |
$300 $80 eye exam Every 2 years |
$400 $80 eye exam Every 2 years |
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Hearing aids 3 month waiting period |
$300 Every 4 years |
$400 Every 4 years |
$600 Every 4 years |
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Family planning benefit 1 year waiting period |
$5,000/family/year - fertility drugs** $5,000/family/year - fertility treatment & adoption** |
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| *Maximum coverage limits apply at Preferred Pharamacy Network (PPN) providers only. For a list of PPN providers, visit pac.bluecross.ca/PPN. **If per your agreement infertility is deemed to be a pre-existing condition then this benefit will reduce to a combined lifetime maximum of $2,000 for fertility drugs, fertility treatment and adoption. |
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Step 1: Health
Step 2: Dental
Boost your personal health plan by adding optional dental coverage.
Your coverage defined
Your options
Boost your personal health plan by adding Bronze, Silver or Gold Dental coverage.
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Dental - Basic and routine services |
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| Waiting period | 3 months | 3 months | 3 months | No waiting period |
| Recall frequency† | 9 months | 9 months | 6 months | 6 months |
| Year 1 | 70%, $500 | 70%, $500 | 70%, $800 | 80%, $1,0001 |
| Year 2 | 80%, $700 | 80%, $700 | 80%, $1,1001 | 90%, $1,3001 |
| Year 3+ | 80%, $900 | 80%, $900 | 80%, $1,4001 | 90%, $1,6001 |
Dental - Major services, dentures and orthodontics |
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| Waiting period | 12 months | 6 months | ||
| Year 1 | 60% Major only1 | |||
| Year 2 | 50% Major only1 | 60% incl. Dentures, Orthodontics 1,2 | ||
| Year 3+ | 50% incl. Dentures, Child orthodontics1,2 |
60% incl. Dentures, Orthodontics1,2 | ||
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† The minimum frequency between select preventative and diagnostic services (e.g. exams, polishing, fluoride) 1 Combined annual maximum for all dental services. 2 $2,000 orthodontic lifetime maximum/person. Gold orthodontic coverage is for children and adults. |
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Step 2: Dental
Value adds
All of our Health and Dental plans also include the following:
Your Quote
Travel Add-On
Converting from Group
Thanks. Based on what you’ve told us our Conversion Plan is a great fit for your needs to ensure you continue to enjoy benefits as you transition away from your group health plan and well into the future.
Core Health
Prescription Drug Options
Prescription drug coverage can be purchased as an option to your Core Health Plan and includes a Pay Direct Drug Card. We pay your Pharmacist directly so you only have to pay your portion.
Dental Options
Dental coverage can be purchased as an option to your Extended Health Care plan.
Choose either the Essential or Enhanced dental option. Waiting period is waived on Group Conversion plans.
Annual Travel Add-On
Add-on covers emergency medical expenses only or you can purchase on its own to include trip cancellation and baggage protection.
Your Quote
Travel Add-On
Group Dental Add-on
Thanks. The Group Dental Add-on will extend your existing coverage and sounds like it will meet your needs.
Dental Options
Choose either the Essential or Enhanced dental option. Each covers eligible expenses for Basic services after a 3-month no-claims waiting period
Your Quote
Travel Add-On
Stand-alone Dental
Thanks. Stand-alone Dental sounds like the right plan to keep you smiling and healthy.
Dental Plan Highlights
Eligible dental expenses include all necessary services by a dentist or denturist for the care and maintenance of teeth including:
- Diagnostic: two recall examinations (check ups) every calendar year
- X-rays: the equivalent of one full-mouth series each calendar year (complete series x-rays are limited to once every three years)
- Preventive therapy: topical fluoride applications are limited to twice every calendar year
- Restorative dentistry: all procedures to restore natural teeth to normal function using silver and tooth-coloured fillings, and stainless steel crowns
- Scaling and root planing
- Prosthetic repair services to reline or repair fixed or removable appliances
- Routine extractions
This plan has a sliding scale for reimbursement. After a three-month no claims waiting period and a calendar year deductible of $100, it covers up to:
| First 12 months | 13-24 months | 25 months+ | |
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| Reimbursement percentage | 60% | 70% | 80% |
| Annual maximum | $500 per person | $750 per person | $1000 per person |
Your Quote
Travel Add-On
Guaranteed Acceptance Plan
Thanks. Based on what you’ve told us, our Guaranteed Acceptance plan is a great fit for your needs.
Build your personalized Guaranteed Acceptance plan in 2 easy steps
Step 1: Health
Our Guaranteed Acceptance plans include coverage that protects you from health care expenses not covered by MSP.
Your coverage
- Extended Health Care Co-insurance is 80% for all levels
- All levels also include Medical Services & Supplies, AD&D, In-Canada Travel, Ambulance and Virtual Care, click here for full details
Your options
Choose from Essential, Bronze, Silver, or Gold Health coverage.
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| Extended Health Care Lifetime Maximum | $250,000 | $250,000 | $375,000 | $500,000 |
| Prescription Drugs | $350 / year | $350 / year | $500 / year | $750 / year |
| Paramedicals | $500 combined / year | $400 per pract / year | $500 per pract / year | |
| Psychology and Clinical Counselling (Online CBT Eligible) | $250 | $500 | $500 | $750 |
| Hearing Aids | Years 1-4: $300 / every 4 years Years 5+: $400 / every 4 years 3-month wait period |
Years 1-4: $300 / every 4 years Years 5+: $400 / every 4 years 3-month wait period |
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| Vision Care | $150 / every 2 years $50 Eye Exam |
Years 1-2: $150/2 years
Years 3+: $250/2 years $50 Eye Exam |
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| * A dental option must be chosen with either Silver or Gold Health Options | ||||
Step 2: Dental
Taking care of your oral health plays an important role in your overall health. All of our dental plans include a direct bill feature, so you only have to pay your portion.
Your coverage
All options cover basic services (cleanings, annual exams, etc.) at varying levels. Higher coverage is available to cover endodontics (root canals) and major work (bridges, crowns, etc.) with Gold coverage.
Your options
Boost your personal health plan by adding Bronze, Silver or Gold Dental coverage.
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Dental - Basic |
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| Year 1 | 70% / $300 | 70% / $300 | 70% / $300 | 80% / $450* |
| Year 2 | 70% / $300 | 70% / $300 | 80% / $400 | 80% / $575* |
| Year 3+ | 70% / $300 | 70% / $300 | 80% / $500 | 80% / $700* |
Dental - Major |
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| Year 1 | 50% / $450* | |||
| Year 2 | 50% / $575* | |||
| Year 3+ | 50% / $700* | |||
| * combined Basic and Major yearly limit | ||||
Your Quote
Travel Add-On
Retirement Insurance Plan
Thanks. Based on what you’ve told us, our Retirement Insurance plan is a great fit for your needs. It has no deductible and no medical questionnaire.
Build your personalized retirement health plan in 3 easy steps
Step 1: Health
Your personal health insurance includes Extended Health Coverage that protects you from healthcare expenses not covered by MSP.
Your coverage
Your options
Choose from Bronze, Silver or Gold Health coverage.
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Paramedicals |
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| Physiotherapists, massage therapists, chiroproactors, chiropodist / podiatrists, naturopaths, acupuncturists, osteopaths |
$25 / visit 12 visits / yr |
$400 combined | $600 combined |
| Speech therapists |
$45 / visit 10 visits / yr |
$45 / visit 10 visits / yr |
$45 / visit 10 visits / yr |
| Psychologists |
$65 / visit 10 visits / yr |
$65 / visit 10 visits / yr |
$65 / visit 10 visits / yr |
Vision |
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| Prescription eyewear | $150 | $250 | $300 |
| Eye exam | $50 | $50 | $80 |
Medical equipment |
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| Year 1 | $1,500 | $1,500 | $2,500 |
| Year 2+ | $1,500 | $2,500 | $5,000 |
| Hearing aid | $300 / 5 yrs | $400 / 5 yrs | $600 / 5 yrs |
Hospital accommodation |
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| Hospitalization | $125 | $200 | $250 |
| Day limit | 30 days | 30 days | 30 days |
Step 2: Prescriptions
Our prescription drug coverage makes your life easy with a Pacific Blue Cross Pay Direct Drug Card. If you have a prescription, take your card to a pharmacy and we pay them directly so you only pay your portion.
Your coverage
Each option covers 80% of eligible expenses and aligns with BC PharmaCare formulary pricing or the cost of the lowest priced equivalent drug.
Your Options
Your Health choice from Step 1 influences your Prescription options. For Gold and Silver Health, choose a prescription option.
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| Dispensing Fee | — | $10* | $10* |
| Year 1 | $500 | $1,000 | $1,500 |
| Year 2 | $500 | $2,000 | $2,500 |
| Year 3+ | $500 | $3,000 | $5,000 |
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*Maximum follows BC PharmaCare
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Step 2: Prescriptions (required)
Step 3: Dental
Taking care of your oral health plays an important role in your overall health. All of our dental plans include a direct bill feature, so you only have to pay your portion.
Your coverage
Each option covers 80% of basic services which include regular cleanings and check-ups. Higher coverage is available to cover endodontics (root canals) and major work (bridges, crowns, etc.).
Your options
Boost your personal health plan by adding Bronze, Silver or Gold Dental coverage.
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Services |
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| Basic | 80% | 80% | 80% |
| Endodontics | — | 80% | 80% |
| Major | — | — | 60% after Year 1 |
Limits |
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| Year 1 | $500 | $600 | $1,000 |
| Year 2 | $500 | $800 | $1,250 |
| Year 3+ | $500 | $1,000 | $1,500 |
Usage |
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| Recall Package** | Every 9 months | Every 9 months | Twice per year |
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** Includes exam, polishing and flouride
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Your Quote
Travel Add-On
Critical Illness
Thanks. Based on what you’ve told us, our Critical Illness Insurance plan is a great fit for your needs.