I’m healthy. Why do I need a personal health plan?

A personal health plan offers protection against future illnesses that could cost thousands of dollars to treat. Apply for personal health coverage while you are in good health. If you apply for coverage only after you’ve developed a serious or long-term illness, you could be excluded for coverage of any expenses related to that illness. If you apply with a pre-existing condition, you may also have to pay a higher premium or may be declined for coverage.  A personal health plan
also covers many routine day-to-day health care expenses such as prescription drugs, dental checkups and treatments and eyeglasses
or contact lenses.

Will my existing health conditions be covered?

Coverage for most pre-existing conditions will be excluded. Those who apply with a pre-existing condition may also have to pay a higher premium or may be declined for coverage. That’s why we recommend applying for coverage while you are in good health.

Will my rates increase if I get sick?

If you get sick, it will not result in your personal rates increasing above the regular rates for your plan. The premium you pay for coverage is annually adjusted for all plan holders based on issues such as inflation, increasing costs in health care and overall claim trends. When you have coverage under a personal health plan, your claims experience is pooled with other individuals who have purchased the same plan.

Doesn’t my provincial plan cover my health care?

Your provincial plan focuses mainly on services provided while you are in the hospital or at the doctor’s office. If you don’t have the protection of health coverage, you are responsible for all other health-related expenses, including prescription drugs, dental services and vision care.

What are the advantages of a Medavie Blue Cross personal health plan?

Blue Cross plans have no overall maximum on drug benefits and some extended health claims can be submitted online or using our Apps. You can also visit one of our many Quick Pay locations within Atlantic Canada to submit a claim.

What information will be needed when I apply?

- The name, birth date of all applicants & your mailing address
- Banking information for premium payment
- Medical information for everyone requesting coverage

Do the premiums stay the same from year to year?

Your premium rates are determined on a year by year basis. The premium you pay for coverage is annually adjusted for all plan holders based on such issues as inflation, increasing costs in health care and overall claims trends. When you have coverage under a personal health plan, your claims experience is pooled with other individuals who have purchased the same plan.