-
Why do I need a personal health plan?
A personal health plan covers any insurance gaps you may have today, whether that’s between BC Medical Services Plan (MSP) or existing group coverage, so you’re covered for important health care expenses that may come up. This includes, prescription drugs, dental checkups and treatment, vision care, semi-private or private hospital rooms, registered specialists and therapists, health-related products and more.
-
Am I eligible for personal health insurance?
To be eligible for our plans, you must meet the following requirements:
- Be actively enrolled in the health plan of BC or Yukon
- Be at least 19 years of age on the date of application for the policy
On our Retirement plan, you must also satisfy below:
- Aged 50+
- Apply within 60 days of the date which your group coverage was cancancelled
- Leaving a recognized group plan with at least six months of continuous coverage
-
How quickly will my health and dental insurance claim be paid?
When you or your health provider submit your claim online, it will be paid in as little as 24 hours.
Over 94% of all claims made in 2023 on our Retiree plans were submitted digitally, which speaks to just how easy it is to get reimbursed quickly, securely and without the paperwork.
-
What’s the difference between the Retirement plan and the Guaranteed Acceptance plan?
The Retirement Plan is ideal for those who recently retired from group coverage in the last 60 days and offers enhanced prescription benefits that increase with time on plan.
Our Guaranteed Acceptance Plan is best for retirees without prior group coverage, or want to top-up their group coverage. Both plans cover pre-existing medical exclusions and offer fast, easy enrollment—no lengthy medical questionnaires or invasive tests.
-
How soon does coverage start?
Once enrolled, your coverage begins on the first of the following month, with wait-free essential services like vision, prescription, routine dental, physio and more. Select plan options even offer wait-free major dental and endodontics, which covers the cost of dentures, root canals, crowns and bridges.
-
Are pre-existing conditions and current medications covered?
Yes, both plans cover pre-existing conditions. This also includes current medications, as long as they’re listed on BlueRX—a managed formulary that ensures drugs are both clinically and cost effective.
-
What paramedical services are covered?
Both plans offer coverage for services like physiotherapy, massage therapy, chiropractic care, and more, ensuring holistic health support from day one of your plan.
-
Do I need extended dental coverage if I’m already covered by the Canadian Dental Care plan (CDCP)?
Dental coverage provided through a Pacific Blue Cross personal health plan may differ from what the new Canadian Dental Care Plan (CDCP) offers. Review our list of important considerations regarding the CDCP, and discuss with your oral health care provider to ensure you make an informed decision about your dental coverage.
-
Can I upgrade or downgrade my level of coverage in the future?
We understand that your health needs may change over time. That’s why we offer the flexibility to upgrade or downgrade your coverage as needed at your plan anniversary. We offer the most choice in coverage, so you never have to worry about out-growing your plan.
-
Is travel insurance available as an add-on?
If you have health and dental coverage with Pacific Blue Cross, you’ll save on travel insurance too. As a valued member, you always save 10%. Plus, our travel plans are designed with retirees in mind with the most coverage on-pre-existing conditions.
Retire from work, not from coverage.
Get protection from costs not covered by BC MSP, like dental, vision, prescriptions and more. Our flexible health insurance plans offer budget-friendly to full coverage options—even on pre-existing medical conditions.
