Blue Cross Health Insurance British Columbia

Choose from Bronze, Silver, or Gold dental coverage. Basic services are covered, which include regular cleanings and check-ups. 

Bronze: 

• 3 month wait period for basic services
• Annual maximum: 70% up to $500 in year 1, 80% up to $700 in year 2, 80% up to $900 in years 3+
• Recall once/9 months
• Includes endodontics (root canal), but no coverage for major services

Silver:

• 3 month wait period for basic services
• Annual maximum: 70% up to $800 in year 1, 80% up to $1,100 in year 2, 80% up to $1,400 in years 3+
• Recall once/6 months
• Includes endodontics (root canal)
• 12 month wait period for major services
• Annual maximum: 80% basic only in year 1, 80% basic and 50% major up to annual max in year 2, 80% basic and 50% major up to annual max in years 3+
• Orthodontics and dentures begin in year 3, up to annual max, orthodontic coverage for children only $2,000 lifetime max

Gold: 

• No wait period for basic services
• Annual maximum: 80% up to $1,000 in year 1, 90% up to $1,300 in year 2, 90% up to $1,600 in years 3+
• Recall once/6 months
• Includes endodontics (root canal)
• 6 month wait period for major services
• Annual maximum: 80% basic only in year 1, 90% basic and 60% major up to annual max in year 2, 90% basic and 60% major up to annual max in years 3+
• Orthodontics and dentures begin in year 2, up to annual max, orthodontic coverage for children only $2,000 lifetime max

Choose from Bronze, Silver, or Gold options for these coverage benefits:

• Life-time maximum: from $250,000 to $500,000
• Paramedical services like physiotherapy, acupuncture, osteopathy, and podiatry: from $500 combined limit /year - $500/practitioner; $30/session maximum
• Mental wellness services like psychologist or counsellor visits: $500 - 750 combined limit/year
• Vision care for prescription glasses or contacts (no bronze coverage)
  • Silver: eligible every 2 anniversary years, $150/person every 2 years, $50 for eye exams
  • Gold: Year 1-2: $150/2 years, years 3+: $250/2 years, $50 for eye exams
• Hospital accommodation for Silver and Gold plans: $195/day for private room, $165/day for semi-private room, max 60 days
• Medical supplies and equipment: $1,200 /year in years 1-2, $2,500/year in year 3-4, $5,000/year in year 5
• Hearing aids for Silver and Gold plans: $300/4 years in year 1-4, $400/4 years in years 5+
• Private duty care from a registered nurse or nurse practitioner: $1,200/year in years 1-2, $2,500/year in years 3-4, $5,000/year in year 5
• Ambulance services to and from the nearest hospital: emergency only
• Accidental dental: $2,500 /person/year
• Accidental death and dismemberment: $2,500 for primary plan holder , $12,500 for spouse if no dependent children, $10,000 for spouse with dependent children, $2,500/dependent child, $3,750/dependent child if no spouse
• Funeral expenses: up to $3,000

Each option covers 80% of eligible expenses and aligns with BC PharmaCare formulary pricing or the cost of the lowest priced equivalent drug. The dispensing fee is $10 and you'll get a Direct Pay Drug Card so you can pay for prescriptions at the pharmacy, no need to submit a paper claim.

Choose from Bronze, Silver or Gold drug coverage.

• Bronze: Annual maximum $500 /year
• Silver: Annual maximum $1,000 year 1, $2,000 year 2, $3,000 years 3+
• Gold: Annual maximum $1,500 year 1 , $2,500 year 2, $5,000 years 3+

Choose from Bronze, Silver or Gold dental coverage. There are no wait periods. Basic services are covered, which include regular cleanings and check-ups. 

Bronze: 

• Annual maximum: 70% up to $300
• Recall once/9 months
• No coverage for major restorative services

Silver:

• Annual maximum: 70% up to $300 in year 1, 80% up to $400 in year 2, 80% up to $500 years 3+
• Recall once/9 months
• No coverage for major restorative services

Gold: 

• Annual maximum: 80% up to $450 in year 1, 90% up to $575 in year 2, 90% up to $700 years 3+
• Recall once/6 months
• Includes endodontics (root canal)
• Major dental services including crowns, dentures, and bridges: 50% combined with minor services 

To qualify, you must:

1. Apply within 60 days of the date on which your group coverage was cancelled,
2. Have been covered under your group plan for the same benefits for at least 6 continuous months.

The effective date of coverage for the conversion plan will be the first of the month following the end date of your group coverage. Any claims before the effective date will not be eligible for coverage. Plan options cannot be changed once they are selected at the start.

The Blue Choice Conversion Plan offers the same coverage limits as the Blue Choice Plan.

Choose from Bronze, Silver, or Gold options for these coverage benefits:

• Life-time maximum: from $250,000 to $300,000
• Paramedical services like physiotherapy, acupuncture, osteopathy, and podiatry: from $300 - $600 combined limit /year
• Mental wellness services like psychologist or counsellor visits: $65/session for up to 10 sessions/year
• Vision care for prescription glasses or contacts: $150 - $400/person, every 2 years + $50 - $80 for eye exams
• Hospital accommodation: combined maximum of $125 - $250/day for semi-private or private room, max 30 days
• Medical supplies and equipment: combined annual maximum of $1,500 - $2,500 in year 1, $1,500 - $5,000 in year 2+
• Hearing aids: $300 - $600/5 years, with a 3 month wait period
• Private duty care from a registered nurse or nurse practitioner: annual maximum of $1,500 - $2,500 in year 1, $1,500 - $5,000 in year 2+
• Ambulance services for in-province emergencies: 100% coverage
• Out-of-province emergency travel, within Canada: 100% coverage, acute emergency only and when ordered by the attending physician
• Accidental dental: $2,500 - $10,000 /person/year
• Accidental death and dismemberment: $2,500 for primary plan holder (up to age 70 for bronze plan with $5,000 for 71+ years), $12,500 for spouse if no dependent children, $10,000 for spouse with dependent children, $2,500/dependent child, $3,750/dependent child if no spouse
• Funeral expenses: $3,000

Each option covers 80% of eligible expenses and aligns with BC PharmaCare formulary pricing or the cost of the lowest priced equivalent drug. The dispensing fee is $10 and you'll get a Direct Pay Drug Card so you can pay for prescriptions at the pharmacy, no need to submit a paper claim.

Choose from Bronze, Silver or Gold drug coverage.

• Bronze: Annual maximum $500 /year
• Silver: Annual maximum $1,000 year 1, $2,000 year 2, $3,000 years 3+
• Gold: Annual maximum $1,500 year 1, $2,500 year 2, $5,000 years 3+

Choose from Bronze, Silver or Gold dental coverage. There are no wait periods. Each option covers 80% of basic services which include regular cleanings and check-ups. 

Bronze: 

• Annual maximum $500 /year
• Recall once/9 months
• No coverage for major restorative services

Silver:

• Annual maximum $600 year 1, $800 year 2, $1,000 years 3+
• Recall once/9 months
• No coverage for major restorative services

Gold: 

• Annual maximum $1,000 year 1, $1,250 year 2, $1,500 years 3+
• Recall once/6 months
• Includes endodontics (root canal)
• Major dental services 12 months wait period; annual maximum combined with basic coverage: year 2 60% - $1,250, year 3 60% - $1,500
• Crown, dentures, bridges begin in year 2 (up to combined annual maximum)

After a 3-month no-claims waiting period and a calendar year deductible of $100, it covers up to:

0–12 months -60%, $500/person per year

13–24 months - 70%, $750/person per year

25 months + 80%, $1,000/person per year

Eligible dental expenses include all necessary services by a dentist, dental hygienist, or denturist for the care and maintenance of teeth. Specifically, this includes:

• Diagnostic — 2 recall examinations every calendar year
• X-rays — the equivalent of one full-mouth series each calendar year (complete series x-rays are limited to once every 3 years).
• Preventive therapy — topical fluoride applications are limited to twice every calendar year
• Restorative dentistry — procedures to restore natural teeth to normal function using silver and tooth-colored fillings (front adult teeth only) and stainless steel crowns
• Scaling and root planing
• Prosthetic repair services to reline or repair fixed or removable appliances
• Routine extractions

The plan does not cover the cost of major reconstruction or prostheses for replacing missing teeth.