Health Insurance
Complete Health Personal Health Insurance Plan
Build your own custom health insurance
Complete Health is a flexible health insurance plan that can be customized to fit your unique needs, lifestyle and budget. Choose the level of coverage – Entry, Essential or Enhanced – for each type of coverage you need: health, drug, dental and critical illness. Build the plan that is right for you, and you can easily adjust your coverage up or down if your lifestyle or circumstances change.
Health Benefits
Health Benefits
Choose 1 > | Entry60% coverage | Essential70% coverage | Enhanced80% coverage |
Accidental injury to natural teeth | $7,000 lifetime | $7,000 lifetime | $7,000 lifetime |
Chronic disease management | $250 | $400 | $500 |
Accidental death & accidental dismemberment | — | $10,000 and $5,000 | $15,000 and $5,000 |
Ambulance services | — | $420 | $420 |
Health practitioners treatment by a licensed audiologist, chiropodist / podiatrist, chiropractor, dietician, occupational therapist, osteopath, physiotherapist/athletic therapist, psychologist/social worker, speech therapist | $250 / calendar year | $400 / calendar year | $500 / calendar year |
treatment by a licensed acupuncturist, massage therapist, naturopath | — | $400 / calendar year | $500 / calendar year |
Orthotics / custom orthopedics customized orthopedic shoes and shoe modification, adjustment supplies and/or moulded arch supports | $150 / calendar year | $150 / calendar year | $225 / calendar year |
Vision care eye exams, contact lenses, spectacle lenses and frames | $100 / 2 consecutive calendar years 6-month wait period | $150 / 2 consecutive calendar years 6-month wait period | $300 / 2 consecutive calendar years 6-month wait period |
Hearing aids | — | $400 / 5 consecutive calendar years 6-month wait period | $500 / 5 consecutive calendar years 6-month wait period |
Nursing care essential skilled nursing care in the participant’s residence | — | $3,500 / 2 consecutive calendar years | $5,600 / 2 consecutive calendar years |
Prosthetic appliances artificial limbs, breasts, hair, eyes, crutches, canes, casts, and trusses required due to sickness or accident | — | $10,000 lifetime | $10,000 lifetime |
Inconfidence for individual | ✓ | ✓ | ✓ |
Mobility aids | ✓ | ✓ | ✓ |
Diabetic supplies | — | ✓ | ✓ |
Medical equipment | — | ✓ | ✓ |
Ostomy supplies | — | ✓ | ✓ |
Oxygen | — | ✓ | ✓ |
Semi-private hospital stays | — | — | 100% coverage up to a maximum 90 days |
Travel | — | — | 100% coverage up to a maximum 30 days |
* all dollar amounts are maximums
Not sure which to choose? Email or call us (1-800-786-8464) and we’ll help you build your plan.
Drug Benefits
Drug Benefits
No overall maximum benefit per year
Choose 1 > | Essential70% coverage | Enhanced80% coverage |
100% coverage after $4,500 in eligible claims per year | ✓ | ✓ |
Co-payment per prescription | maximum cost of $50 / prescription | maximum cost of $50 / prescription |
Out of pocket co-pay | maximum cost of $1,350 / year | maximum cost of $900 / year |
Birth control | ✓ | ✓ |
Fertility drugs | — | $1,500 / year and $3,000 / year lifetime |
Allergy serums | — | $500 / year |
* all dollar amounts are maximums
Not sure which to choose? Email or call us (1-800-786-8464) and we’ll help you build your plan.
Dental Benefits
Dental Benefits
Choose 1 > | Entry60% coverage | Essential70% coverage | Enhanced80% coverage |
Examination, cleaning, X-rays and fillings | $500 per year 6-month wait period | 6-month wait period | 6-month wait period |
Extractions and root canals | — | 6-month wait period | 6-month wait period |
Periodontal services | — | — | 60% coverage for up to $1,200 / year 24-month wait period |
Major dental work | — | — | 60% coverage for up to $500 / year 24-month wait period |
Orthodontics age 18 and under | — | — | 60% coverage for up to $1,500 lifetime, with 24-month wait period |
Not sure which to choose? Email or call us (1-800-786-8464) and we’ll help you build your plan.
Additional Modules
Additional Modules
Add any or all of these options to your Complete Health health plan
Critical Illness
Critical Illness pays cash in the event of an unexpected illness.
Covered conditions include:
Alzheimer’s Disease, Blindness, Burns, Coma, Deafness, Life Threatening Cancer, Loss of Speech, Major Organ Failure, Major Organ Failure requiring transplant, Motor Neuron Disease, Multiple Sclerosis, Paralysis, Parkinson’s Disease, Senile Dementia, Severe Heart Attack, Severe Stroke.
Hospital Cash
$100 per day for up to 100 days per year when hospitalized.
If over the age of 65, benefit is limited to 30 days per year.
Assured Access
Allows you to put your coverage on hold should you acquire group health benefits and to reactivate your health plan later without needing to qualify again medically.
Not sure which to choose? Email or call us (1-800-786-8464) and we’ll help you build your plan.
Blue Cross Assured Access – protecting tomorrow’s insurability today
If you currently have group health benefits through your employer Assured Access® is designed to work with your group health benefit plan. It provides you with future access to a personal health plan based on your present health.
More Details
As we age our health often deteriorates, making it difficult to be approved for the health care coverage we may need later in life. Once qualifying medically for Assured Access, you and your family are entitled to an Complete Health plan – without additional medical questions – if you ever lose your group health benefits. Complete Health provides comprehensive coverage that includes hospital, travel, extended health and extensive drug benefits.
While protecting your insurability, Assured Access also provides additional security with a $10,000 Accidental Death & Dismemberment benefit for each participant covered under your plan. This AD&D benefit ends at age 65.
When children are no longer eligible for group health benefits as dependents under your group plan, they can enrol in their own Medavie Blue Cross personal health plan without undergoing additional medical underwriting.
To be eligible for this product, you must apply and be approved for coverage prior to age 65 and be enrolled in a group health benefits* plan at the time of application (and have had group coverage for the past 12 consecutive months).Assured Access coverage can continue beyond age 65.
If you have any questions about Assured Access, or would like an application form, please call us at [trackable_number] or use the form on the top right side of the page to send us an email.
Rates
Monthly Assured Access Selling Rates (Health and Prescription Drugs)
Ages | Single | Couple | Family |
0-29 | $21.65 | $32.48 | $38.66 |
30-44 | $21.65 | $32.48 | $38.66 |
45-54 | $24.76 | $35.56 | $41.77 |
55-64 | $27.85 | $38.66 | $44.85 |
Rates are subject to change, please contact Dennis Financial Health Insurance directly to discuss plan pricing and application process.
Eligibility requirements apply.
*Group Health Benefits – an employer sponsored health benefit plan consisting of three or more employees.
Notes:
- The member is the oldest person covered under the plan. The age of the member is used to determine the rates.
- Dependents include the spouse/cohabitant and dependent children of the member.
- The Assured Access and Complete Health rates are reviewed and increased periodically. When activating the Complete Health plan, you will be subject to the rates in effect at the time of activation.
- Applicants must meet medical underwriting standards at time of application.
For a personalized quote please Email or call us (1-800-786-8464).