At Pacific Blue Cross, our mission is to improve health and wellbeing for British Columbians. In support of this commitment, we have redesigned our Personal Health Insurance Health and Dental plan to offer enhanced flexibility and more choice.

The updated plan allows our members to select coverage that aligns with their unique needs and budget. While we still offer three distinct levels of coverage – Gold, Silver and Bronze – the redesign allows greater flexibility, so British Columbians can access the health and dental benefits they need, when they need them.

Key plan updates:

As of July 1, 2025, members can choose from more coverage options, including the option to opt out of benefits that were previously mandatory:

• Prescription Drugs: Changed from mandatory to optional under the Bronze level. Bronze health plan members now have the flexibility to opt-in or opt-out of Prescription Drug coverage during their annual renewal.
• Dental: Changed from mandatory to optional under the Silver level. Silver health plan members can now choose to opt-in or opt-out of Dental coverage during their annual renewal.
• Mental health: The annual amount under the Silver level increases from $750 to $1,000. This change won’t impact the rates beyond the standard annual rate adjustment at renewal.

At the time of annual renewal, all members have the option to upgrade their benefit levels or, once every 24 months, downgrade their levels.

Please note that all other benefits remain unchanged.

Comprehensive, flexible coverage levels

Not sure where to begin? Here’s an overview of what each level of coverage includes to help you make an informed decision.

Gold

Best-in-market coverage for practitioners, prescription drugs, and vision with enhanced mental wellness coverage, and no waiting period for basic dental. Plus, the first personal health plan in Canada to feature a Family Planning benefit.

Perfect for:

• Anyone looking for the most personal health coverage
• Individuals and couples looking to build their family

Silver

Comprehensive coverage for practitioners, prescription drugs, vision, and mental wellness, with more flexibility to waive Dental to meet an individual’s need.

Perfect for:

• Couples
• Families

Bronze

Well-rounded coverage for practitioners, prescription drugs, vision, and mental wellness, with new flexibility to include or waive Prescription coverage and Dental.

Perfect for:

• Recent grads
• Self-employed, contract or part-time workers

More reasons to choose our Health and Dental plan:

• Flexibility and choice: Annual plan upgrades without medical review, if existing coverage includes prescription drugs.
• Travel and Life insurance: Enjoy peace of mind with Travel and Life Insurance included across all plan levels.
• Family Planning benefit: Our Gold tier is Canada’s first personal health plan to offer fertility and adoption coverage.

Additional resources

Find everything you need about our enhanced Health and Dental plans in the links below:

• Health and Dental brochure [pdf]
• Health and Dental contract [pdf]