Health Insurance Saskatchewan

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Please note: If your employee benefits plan is with Blue Cross and you are looking for claim or benefits information, please contact Saskatchewan Blue Cross directly.

Your health insurance needs are as unique as you. With a Personal Health Plan that’s customized to meet your needs, you can feel confident knowing you and your family are protected against unexpected medical expenses. Choose from these Saskatchewan Blue Cross health insurance plans: Blue Choice Personal Health, Guaranteed Acceptance, Group Conversion, and Retiree

Private Health Insurance with a Blue Choice Personal Plan

Supplemental health coverage for your everyday needs. Blue Choice® is designed to protect you from unexpected medical expenses.

Health Benefits

Choose flexible coverage with customizable options for every stage of your life:

  • Health practitioners (paramedical services): Up to $400/specialty for chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist/counselor/social worker, naturopath, speech language pathologist, and acupuncturist
  • Vision care: 
    • Up to $100 for one eye examination in a 24-month period
    • Up to $150 for prescription eyewear or laser eye surgery in a 24-month period
  • Hospital accommodation: Preferred accommodations, in-hospital drugs, maximum 30 days
  • Medical equipment: Combined lifetime maximum of $1,500
    • Purchase or rental of a wheelchair and/or hospital bed to a lifetime maximum of $500
    • Purchase or rental of a patient walker to a lifetime maximum of $300
    • Purchase or rental of oxygen equipment to a maximum of $500/policy year
  • Hearing aids: 12-month waiting period
    • Up to $800 in a 5-year period for policyholder and/or partner
    • Up to $800 per hearing aid (one for each ear) in a 3-year period for each dependent child
  • Prosthetic and medical supplies: Artificial eyes, limbs, crutches, casts, braces, wigs, etc.
  • Breast prosthesis: Unlimited, one in a 24-month period
  • Diabetic supplies: Unlimited coverage
  • Diabetic equipment: 80% up to $500 in a 5-year period
  • Ostomy supplies: Unlimited 
  • Orthopaedic shoes and supplies: 80% to $200
  • Blood pressure monitors: One in a 5-year period
  • Mobility aids: Unlimited
  • Private duty nursing care: 80% up to $5,000/policy year
  • Ambulance services: Unlimited emergency trips to a hospital. 
    • *50% to transport the Insured to their home residence or another hospital when ordered by a physician following emergency hospital treatment. 
    • 50% for ambulance services that do not result in transport to a hospital.
  • Accidental dental: Unlimited coverage for accidental damage to natural teeth
  • Accidental death and dismemberment (under age 65): Up to $25,000 for policyholder and/or partner, $5,000 for each dependent child
  • Funeral expenses (age 65+): Up to $4,000 when deal is accidental
  • Out of province referral services: Lifetime maximum of $50,000 for pre-approved medical services
  • Emergency travel out of province, within Canada: Unlimited

Prescription Drug Benefits

Choose this optional benefit to help keep your prescriptions affordable.

  • 80% unlimited
  • Pay Direct Card
  • * For prescribed drugs listed in the Saskatchewan Drug Plan Formulary

Dental Benefits

This optional benefit will help cover a portion of your dental expenses. 

Basic dental services: examinations, x-rays, tests, cleaning, filling, root canals, oral surgery, denture repairs, etc.

Major dental services: inlays, onlays, crowns, dentures, bridges, some orthodontic services 

 After 3-month waiting period:

  • 75% coverage for basic dental services to a maximum of $750

After 1 year:  

  • 80% coverage for basic dental services to a maximum of $1,000
  • 50% coverage for major dental services to a maximum of $1,000

After 2+ years:  

  • 80% coverage for basic dental services to a maximum of $1,500
  • 50% coverage for major dental services to a maximum of $1,500

Hospital Cash

This benefit provides financial help to meet expenses due to hospitalization.

Under age 65: $100/day up to 50 consecutive days of hospitalization

Age 65+: $100/day up to 30 consecutive days of hospitalization

Benefits begin on:

  • 1st day of hospitalization due to an accident
  • 4th day of hospitalization due to an illness
  • 8th day of hospitalization due to maternity

VIP Travel Benefits

This optional benefit provides coverage for frequent trips outside Saskatchewan.

  • Up to 30 consecutive days per trip with no limit on the number of trips
  • $5 million in Emergency hospital and medical benefits
  • $100,000 in air flight and common carrier accident insurance
  • Up to $1,000 for trip interruption
  • Up to $1,000 for baggage and personal effects
  • Up to $1,500 for meals and accommodations

Guaranteed Acceptance Plans

The Guaranteed Acceptance plan offers total health coverage, without being affected by your medical history. No medical questionnaire required.

Health Benefits

Comprehensive personal health coverage for everyone, regardless of health history:

  • Health practitioners (paramedical services): Up to $300/specialty for chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist/counselor/social worker, naturopath, speech language pathologist, and acupuncturist
  • Vision care: 
    • Up to $75 for one eye examination in a 24-month period
    • Up to $100 for prescription eyewear in a 24-month period
  • Hospital accommodation: Preferred accommodations, in-hospital drugs, maximum 30 days
  • Hospital cash: 
    • Under age 65: $100/day up to 50 consecutive days of hospitalization
    • Age 65+: $100/day up to 30 consecutive days of hospitalization
    • Benefits begin on: 1st day of hospitalization due to an accident, 4th day of hospitalization due to an illness, 8th day of hospitalization due to maternity
  • Medical equipment: Combined lifetime maximum of $1,500
    • Wheelchair and/or hospital bed: 80% of purchase cost or 100% of rental cost to a lifetime maximum of $500
    • Walker:  80% of purchase cost or 100% of rental cost to a lifetime maximum of $300
    • Purchase or rental of oxygen equipment to a maximum of $500/policy year
  • Hearing aids: No waiting period
    • Up to $800 in a 5-year period for policyholder and/or partner
    • Up to $800 per hearing aid (one for each ear) in a 3-year period for each dependent child
  • Prosthetic and medical supplies: Artificial eyes, limbs, crutches, casts, braces, wigs, etc.
  • Breast prosthesis: Unlimited, one in a 24-month period
  • Diabetic supplies and equipment: Up to $500 combined/policy year 
  • Ostomy supplies: Up to $500
  • Orthopaedic shoes and supplies: 80% to $200
  • Blood pressure monitors: One in a 5-year period
  • Mobility aids: Unlimited
  • Private duty nursing care: 80% up to $2,500/policy year
  • Ambulance services: Unlimited emergency trips to a hospital. 
    • *50% to transport the Insured to their home residence or another hospital when ordered by a physician following emergency hospital treatment. 
    • 50% for ambulance services that do not result in transport to a hospital.
  • Accidental dental: Unlimited coverage for accidental damage to natural teeth
  • Accidental death and dismemberment (under age 65): Up to $25,000 for policyholder and/or partner, $5,000 for each dependent child
  • Funeral expenses (age 65+): Up to $4,000 when deal is accidental
  • Out of province referral services: Lifetime maximum of $50,000 for pre-approved medical services
  • Emergency travel out of province, within Canada: Unlimited

Prescription Drug Benefits

Choose this optional benefit to help keep your prescriptions affordable.

Dental Benefits

This optional benefit will help cover a portion of your dental expenses. There is no waiting period.

Basic dental services: examinations, x-rays, tests, cleaning, filling, root canals, oral surgery, denture repairs, etc.

Major dental services: inlays, onlays, crowns, dentures, bridges, some orthodontic services   

  • 80% coverage for basic dental services 
  • 50% coverage for major dental services 
  • Combined maximum of $1,500

VIP Travel Benefits

This optional benefit provides coverage for frequent trips outside Saskatchewan.

  • Up to 30 consecutive days per trip with no limit on the number of trips
  • $5 million in Emergency hospital and medical benefits
  • $100,000 in air flight and common carrier accident insurance
  • Up to $1,000 for trip interruption
  • Up to $1,000 for baggage and personal effects
  • Up to $1,500 for meals and accommodations

Blue Cross Group Conversion

With guaranteed acceptance and no waiting period, the Conversion plan will protect you when you leave a workplace benefits plan.

Apply within 60 days of the date your group coverage ended. 

Health Benefits

Comprehensive coverage for everyone, regardless of health history:

  • Health practitioners (paramedical services): Up to $300/specialty for chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist/counselor/social worker, naturopath, speech language pathologist, and acupuncturist
  • Vision care: 
    • Up to $75 for one eye examination in a 24-month period
    • Up to $100 for prescription eyewear in a 24-month period
  • Hospital accommodation: Preferred accommodations, in-hospital drugs, maximum 30 days
  • Hospital cash: 
    • Under age 65: $100/day up to 50 consecutive days of hospitalization
    • Age 65+: $100/day up to 30 consecutive days of hospitalization
    • Benefits begin on: 1st day of hospitalization due to an accident, 4th day of hospitalization due to an illness, 8th day of hospitalization due to maternity
  • Medical equipment: Combined lifetime maximum of $1,500
    • Wheelchair and/or hospital bed: 80% of purchase cost or 100% of rental cost to a lifetime maximum of $500
    • Walker:  80% of purchase cost or 100% of rental cost to a lifetime maximum of $300
    • Purchase or rental of oxygen equipment to a maximum of $500/policy year
  • Hearing aids: No waiting period
    • Up to $800 in a 5-year period for policyholder and/or partner
    • Up to $800 per hearing aid (one for each ear) in a 3-year period for each dependent child
  • Prosthetic and medical supplies: Artificial eyes, limbs, crutches, casts, braces, wigs, etc.
  • Breast prosthesis: Unlimited, one in a 24-month period
  • Diabetic supplies and equipment: Up to $500 combined/policy year 
  • Ostomy supplies: Up to $500
  • Orthopaedic shoes and supplies: 80% to $200
  • Blood pressure monitors: One in a 5-year period
  • Mobility aids: Unlimited
  • Private duty nursing care: 80% up to $2,500/policy year
  • Ambulance services: Unlimited emergency trips to a hospital. 
    • *50% to transport the Insured to their home residence or another hospital when ordered by a physician following emergency hospital treatment. 
    • 50% for ambulance services that do not result in transport to a hospital.
  • Accidental dental: Unlimited coverage for accidental damage to natural teeth
  • Accidental death and dismemberment (under age 65): Up to $25,000 for policyholder and/or partner, $5,000 for each dependent child
  • Funeral expenses (age 65+): Up to $4,000 when deal is accidental
  • Out of province referral services: Lifetime maximum of $50,000 for pre-approved medical services
  • Emergency travel out of Saskatchewan, within Canada: Unlimited

Prescription Drug Benefits

Choose this optional benefit to help keep your prescriptions affordable.

  • 80% up to $500 OR
  • 80% up to $1,500
  • For prescribed drugs listed in the Saskatchewan Drug Plan Formulary

Dental Benefits

This optional benefit will help cover a portion of your dental expenses. 

Basic dental services: examinations, x-rays, tests, cleaning, filling, root canals, oral surgery, denture repairs, etc.

Major dental services: inlays, onlays, crowns, dentures, bridges, some orthodontic services   

  • 80% coverage for basic dental services 
  • 50% coverage for major dental services 
  • Combined maximum of $1,500

There is a 3-month waiting period. It will be waived provided the insured had dental benefits under the previous employer benefits plan for 3 continuous months at the time of cancellation. If the waiting period is waived, coverage will continue uninterrupted based on the number of years dental benefits were held under the previous employer benefits plan. 

VIP Travel Benefits

This optional benefit provides coverage for frequent trips outside Saskatchewan.

  • Up to 30 consecutive days per trip with no limit on the number of trips
  • $5 million in Emergency hospital and medical benefits
  • $100,000 in air flight and common carrier accident insurance
  • Up to $1,000 for trip interruption
  • Up to $1,000 for baggage and personal effects
  • Up to $1,500 for meals and accommodations

Blue Cross Retiree Plan

Flexible, affordable health coverage built for Saskatchewan retirees. Designed to support you through this important and exciting transition, the Retiree Plan offers the flexibility to tailor your coverage to fit your needs—making your move into retirement simple and stress-free.

Health Benefits

$7,500 maximum /insured/policy year (excluding VIP travel)

Choose 1 >

Basic

 

Classic

 

Enhanced

 
Accidental dental  $2,000 lifetime $2,500 lifetime $3,000 lifetime
Ambulance 100% emergency transport; 50% return or no transport    
Blood pressure monitors per 5 policy years 1 monitor 1 monitor 1 monitor
Braces per 2 policy years not included 70% / $750 70% / $750
Breast prostheses per 2 policy years not included $325 single / $650 double  $325 single / $650 double
Compression stockings not included 2 pair 2 pair
Diabetic equipment per 5 policy years not included $500 $500
Health practitioners: 
Acupuncturist, chiropodist, podiatrist, chiropractor, massage therapist, reflexologist, naturopath, homeopath, dietician,  osteopath, physiotherapist, athletic therapist 		 not included 80%/$500 combined maximum per policy year 80%/$750 combined maximum per policy year
Speech language pathologist, audiologist not included $300 combined maximum per policy year / $80/visit $500 combined maximum per policy year / $80/visit

Hearing aids per 4 policy years

 not included $800 $1,000
Hospital beds per insured per lifetime not included $1,000 $1,500
Hospital cash not included $20/day / 20 days/policy year $20/day / 30 days/policy year
Mastectomy bras not included $50/bra / 2/policy year $50/bra / 2/policy year
Medical aids $250 $250 $250
Mental health practitioners: Clinical psychologist, registered social worker, counsellor  $450 combined max/policy year / $75/visit $600 combined max/policy year / $75/visit $750 combined max/policy year / $75/visit
Mobility aids $250 $250 $250
Orthotics and orthopedic shoes per 2 policy years not included $300 $300
Ostomy supplies not included $1,200 $1,200
Oxygen and equipment not included $500 $500
PAP machine and supplies not included $350 $500
Preferred hospital accommodations $1,000 $2,000 $3,000
Private duty nursing care not included $2,500 $5,000
Prosthetics per 3 policy years not included $3,000 $5,000
Vision care  Eye exams and eyewear: $150 combined/2 policy years Eye exams: $75 / Eyewear: $150/2 policy years Eye exams: $75/policy year / Eyewear: $250/2 policy years
Walkers per 5 policy years $250 $250 $250
Wheelchairs and motorized scooters per 3 policy years not included $1,500 $1,500
Wigs and hairpieces per 2 policy years not included $500 $500

VIP Travel Benefits

Entry

Essential

Enhanced
In Canada and out of Canada per trip $5 Million / 30 days / 90-day stability clause $5 Million / 30 days / 90-day stability clause $5 Million / 65 days / 90-day stability clause

Prescription Drug Benefits

The prescription drug benefit covers drugs listed on the Saskatchewan drug formulary. It includes diabetic supplies, contraceptives, smoking cessation, and vaccines.

  • Entry: 70% up to $1,000/policy year
  • Essential: 75% up to $2,000/policy year
  • Enhanced: 80% up to $3,000/policy year, $6 deductible/per eligible prescription

Dental Benefits

Dental benefits are optional. If you choose not to add dental coverage when you apply, it may be added at any time in the future.

Choose 1 >

Entry

Essential

Enhanced
Maximum $750 $1,500 $2,000
Basic dental services 70% 75% 80%
Major dental services not included 50% 50%

Basic dental services: examinations, x-rays, tests, cleaning, filling, root canals, oral surgery, denture repairs, etc.

Major dental services: inlays, onlays, crowns, dentures, bridges, some orthodontic services 

Included with Every Blue Cross Personal Health Plan

Mental Wellness Individual Assistance Program

24/7 access to counseling and coaching services provided by Homewood Health:

  • Mental health and addictions counselling
  • Digital cognitive behavioural therapy
  • Online resources like: elder and childcare locators, health risk assessment tools, health and wellness articles
  • Wellness coaching for issues like life balance, finance, and career changes
  • Mid-to-long-term mental health counselling sessions (determined on a case-by-case basis)

Virtual Care

Access the Express Care Online Virtual Care Platform provided by Cleveland Clinic Canada. Connect with a nurse practitioner to get: 

  • Diagnosis and/or prescriptions for non-emergent conditions
  • Requisitions for labs or imaging
  • Referrals to local specialists
  • and more

Get Started with Health Insurance

Speak to a member of the MMHI team to help with your health insurance needs. 

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