Blue Cross Manitoba Health Insurance
It looks like you're in Ohio.
If this is incorrect, please select your region to see available products.
Please note: If your employee benefits plan is with Blue Cross and you are looking for claim or benefits information, please contact Manitoba Blue Cross directly.
Blue Choice Personal Health Insurance Plan
Blue Choice is a personal health insurance plan that you can customize to fit your needs. Choose different coverage levels to build a the insurance plan that's right for you. And you can upgrade each year with no medical review required.
Note, this is a medical reviewed plan. Prescriptions drugs for existing conditions may not be covered. However, this plan provides better coverage for those in good health.
Health Benefits
← Scroll to compare plans →
| Choose 1 > |
Option 1 |
Option 2 |
| Accidental injury to natural teeth | 75% up to $1,500/accident | 80% up to $2,500/accident |
| Accidental death | $15,000 | $25,000 |
| Ambulance services |
100% of the following:
Treat no transport
|
100% of the following:
|
| Health practitioners treatment by a licensed athletic therapist, chiropractor, occupational therapist, physiotherapist, podiatrist, registered clinical psychologist or social worker with an MSW, RSW* ($50 max/visit) |
75% up to $35/visit $450 maximum/year |
80% up to $35/visit $600 maximum/year |
| Other health practitioners treatment by a licensed acupuncturist, homeopath, naturopath, nutritional counsellor, osteopath, registered massage therapist, foot care nurse ($25 max/visit) |
75% up to $35/visit $300 maximum/year |
80% up to $35/visit $450 maximum/year |
| Vision care eye exams, purchase or repair of frames and/or lenses including contact lenses |
$150 every 2 years | $250 every 2 years |
| Hearing aids | $500 every 5 years | $700 every 5 years |
|
Medical equipment Breathing equipment (e.g. CPAP), crutches, splints, casts, hospital beds, special equipment, walkers, wheelchairs, and wigs |
75% individual maximums per each benefit | 80% individual maximums per each benefit |
| Prosthetic appliances Artificial limbs, breasts, hair, eyes, assisted care, braces, cervical collars, elastic stockings, compression garments, surgical bras, cardiac rehabilitation, orthopedic shoes, orthotics, and private duty nursing |
75% individual maximums per each benefit | 80% individual maximums per each benefit |
| Counselling assistance program | 6 counselling sessions/year | 6 counselling sessions/year |
| Hospital stays |
100% of a semi-private room or $20 per day in-lieu (up to 30 days) Hostel accommodation when medical treatment or diagnostic testing is required in a hospital located outside a 60 km radius of the participant’s home |
100% of a semi-private room or $20 per day in-lieu (up to 30 days) Hostel accommodation when medical treatment or diagnostic testing is required in a hospital located outside a 60 km radius of the participant’s home |
| Travel within Canada |
Up to $5 million lifetime, no trip length maximum and access to travel assistance |
Up to $5 million lifetime, no trip length maximum and access to travel assistance |
| Travel outside Canada | 10% discount on the purchase of travel coverage | 10% discount on the purchase of travel coverage |
Drug Benefits
All plans have direct billing, which eliminates the need to pay for prescriptions upfront.
← Scroll to compare plans →
| Choose 1 > |
Option 1 |
Option 2 |
| Prescription drugs | 75% up to $2,500 per year | 80% up to $5,000 per year |
Dental Benefits
← Scroll to compare plans →
| Choose 1 > |
Option 1 |
Option 2 |
| Preventative dental Standard checkups, cleanings, fillings, extractions, root canals, and surgery | 3-month waiting period
75% up to $500 first year 1-year waiting period 75% up to $1,000 each subsequent year combined with restorative dental |
3-month waiting period
80% up to $600 first year 1-year waiting period 80% up to $1,200 each subsequent year combined with restorative dental |
| Restorative dental Crowns, inlays, bridges, and dentures |
1 year wait period 50% up to $1,000 per year combined with preventative dental |
1 year wait period 50% up to $1,000 per year combined with preventative dental |
| Orthodontics Age 17 and under |
-- |
2-year wait period 50% up to $1,200 lifetime |
Guaranteed Acceptance Plans
Guaranteed acceptance plans ideal for anyone who has medical costs and isn't covered through an employer plan. They are offered with no medical questionnaire. Choose from 2 plans to tailor coverage to suit your health needs and budget.
Health Benefits
← Scroll to compare plans →
| Choose 1 > |
Option 1 |
Option 2 |
| Accidental injury to natural teeth | 70% up to $1,000/accident | 75% up to $1,500/accident |
| Accidental death | $10,000 | $15,000 |
| Ambulance services |
100% of: Emergency ambulance within Manitoba Medical transfer up to $500 lifetime Treat no transport |
100% of: Emergency ambulance within Canada Medical transfer up to $500 lifetime Treat no transport Emergency air ambulance up to $5,000 per trip ($10,000/person/year) |
| Health practitioners treatment by a licensed athletic therapist, chiropractor, occupational therapist, physiotherapist, podiatrist, registered clinical psychologist or social worker with an MSW, RSW* ($50 max/visit) |
70% up to $35/visit $300 maximum/year |
75% up to $35/visit $450 maximum/year |
| Other health practitioners treatment by a licensed acupuncturist, homeopath, naturopath, nutritional counsellor, osteopath, registered massage therapist, foot care nurse ($25 max/visit) |
-- |
75% up to $35/visit $300 maximum/year |
| Vision care eye exams, purchase or repair of frames and/or lenses including contact lenses |
-- | $150 every 2 years |
| Hearing aids | -- | $500 every 5 years |
|
Medical equipment Breathing equipment (e.g. CPAP), crutches, splints, casts, hospital beds, special equipment, walkers, wheelchairs, and wigs |
-- | 75% individual maximums per each benefit |
| Prosthetic appliances Artificial limbs, breasts, hair, eyes, assisted care, braces, cervical collars, elastic stockings, compression garments, surgical bras, cardiac rehabilitation, orthopedic shoes, orthotics, and private duty nursing |
-- | 75% individual maximums per each benefit |
| Counselling assistance program | -- | 6 counselling sessions/year |
| Hospital stays |
-- |
100% of a semi-private room or $20 per day in-lieu (up to 30 days) Hostel accommodation when medical treatment or diagnostic testing is required in a hospital located outside a 60 km radius of the participant’s home |
| Travel within Canada |
-- |
Up to $5 million lifetime, no trip length maximum and access to travel assistance |
| Travel outside Canada | -- | 10% discount on the purchase of travel coverage |
Drug Benefits
All plans have direct billing, which eliminates the need to pay for prescriptions upfront.
← Scroll to compare plans →
| Choose 1 > |
Option 1 |
Option 2 |
| Prescription drugs | 70% up to $300 per year | 75% up to $1,000 per year |
Dental Benefits
← Scroll to compare plans →
| Choose 1 > |
Entry |
Essential |
| Preventative dental Standard checkups, cleanings, fillings, extractions, root canals, and surgery | 3-month waiting period
70% up to $300/year |
3-month waiting period
75% up to $500 first year 1-year waiting period |
| Restorative dental Crowns, inlays, bridges, and dentures | -- |
1 year wait period 50% up to $1,000 per year combined with preventative dental |
Blue Cross Group Conversion
A special feature of our health and dental plans is the conversion privilege.
If you have a Manitoba Blue Cross-recognized Canadian group benefit plan, and your coverage ends because you retire, change jobs, or the company downsizes, you can apply for coverage under the conversion privilege.
If you qualify, Blue Cross will cover pre-existing medical conditions under the health plans. They will also waive the waiting periods for vision care and dental or denture coverage.
Qualifications
To qualify, you must:
- Apply within 60 days of the date on which your group coverage was cancelled,
- 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.
Health Benefits
Accidental injury to natural teeth: 75% up to $1,500/accident
Accidental death: $15,000
Ambulance services: 100% of emergency ambulance within Canada, medical transfer up to $500 lifetime, treat no transport, emergency air ambulance up to $5,000 per trip ($10,000/person/year)
Health practitioners: treatment by a licensed athletic therapist, chiropractor, occupational therapist, physiotherapist, podiatrist, registered clinical psychologist or social worker with an MSW, RSW* ($50 max/visit): 75% up to $35/visit, $450 maximum/year
Other health practitioners: treatment by a licensed acupuncturist, homeopath, naturopath, nutritional counsellor, osteopath, registered massage therapist, foot care nurse ($25 max/visit): 75% up to $35/visit, $300 maximum/year
Vision care eye exams, purchase or repair of frames and/or lenses including contact lenses: $150 every 2 years
Hearing aids: $500 every 5 years
Medical equipment Breathing equipment (e.g. CPAP), crutches, splints, casts, hospital beds, special equipment, walkers, wheelchairs, and wigs: 75% individual maximums per each benefit
Prosthetic appliances Artificial limbs, breasts, hair, eyes, assisted care, braces, cervical collars, elastic stockings, compression garments, surgical bras, cardiac rehabilitation, orthopedic shoes, orthotics and private duty nursing: 75% individual maximums per each benefit
Counselling assistance program: 6 counselling sessions/year
Hospital stays: 100% of a semi-private room or $20 per day in-lieu (up to 30 days), hostel accommodation when medical treatment or diagnostic testing is required in a hospital located outside a 60 km radius of the participant’s home
Travel within Canada: Up to $5 million lifetime, no trip length maximum and access to travel assistance
Travel outside Canada: 10% discount on the purchase of travel coverage
Drug Benefits
Direct billing, which eliminates the need to pay for prescriptions upfront.
Prescription drugs: 75% up to $1,500 per year
Dental Benefits
Preventative dental Standard checkups, cleanings, fillings, extractions, root canals, and surgery: 75% up to $1,000/year, no wait period
Virtual Health Services
Virtual access to a wide network of medical professionals 24/7, including condition specific care, prescription management, private consultation and referrals to specialists or for diagnostic testing.
Get Started with Health Insurance
Speak to a member of the MMHI team to help with your health insurance needs.
