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Basic Blue Choice

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Getting back to basics with Blue Cross

Basic Blue Choice is the right basic guaranteed issue health insurance plan for you

There is an old adage that states “simplicity is the essence of happiness.” There are many instances in life where the simplest of things can satisfy our needs. The same can sometimes be said about certain insurance products.

Insurance policies provide us with essential coverage that is not only cost-effective but allows access to the coverage we need, often at lower rates. However, budgetary limitations can sometimes force us to choose insurance products that provide basic coverage.

If you are looking for this kind of coverage and are not presently covered by a company-issued health insurance policy, the Basic Blue Choice Plan from Blue Cross may be the right insurance product for you. It provides guaranteed issue health insurance that helps you cover expenses associated with essential health and dental coverage.

What is included in the Basic Blue Choice Plan?

The Basic Blue Choice Plan offers comprehensive health insurance coverage at a lower monthly rate and is available to anyone under 75 years of age. The plan provides coverage for the following essential services:

  • Dental coverage
  • Hospital benefits
  • Out-of-province travel insurance coverage
  • Access to the Blue Cross Assistance Program, which includes partner privileges, discounts and information and prevention services

Best of all, the Basic Blue Choice Plan is a guaranteed issue life insurance product, meaning that you will receive coverage regardless of your health status. Your medical history will not be scrutinized when you apply, nor will you have to pass a health exam.

Can I add to my Basic Guaranteed Issue Health Plan?

The Blue Cross Blue Choice Plan provides basic insurance coverage. However, you can customize your plan to suit your needs with a number of useful add-ons, as described below.

Blue Cross Assistance Program

The Blue Cross Assistance Program, which is a recent addition to the Blue Cross Basic Plan. As a Blue Cross member, you will be granted access to the following services which are available 24 hours a day, seven days a week:

  • Home Support Services available after hospital stays
  • Referrals to medical specialists and health organizations in your vicinity
  • A registered nurse who can address your health-related questions or concerns and provide guidance

Extended Health Benefits

When you receive your plan, you will also be guaranteed an extended health benefit of up to $100,000 overall lifetime maximum and an annual accidental dental care benefits of up to $2,000 with full compensation. You will also receive the following extended benefits, which are reimbursed at 80% up to a predetermined maximum:

  • Orthopaedic shoes (up to $200 annually)
  • Medical equipment and assistive devices
  • Hearing aids (up to $300 every five years)
  • Emergency medical transport by ambulance
  • Nursing care (up to $500 during the first two years, $1,500 in Year 3 and $2,500 in Year 4 and beyond)

Paramedical Services

If you or a covered family member require paramedical services, your benefits payments will be reimbursed at 100% of the cost per person2 for the following services in the table below.

Type of specialist Cost per visit
Max. no. of visits
Psychologist $65 12
Speech therapist $45 12
Massage therapist $15 15
Podiatrist / Chiropodist $15 15
Naturopath $15 15
Osteopath $15 15
Physiotherapist $15 15
Chiropractor $15 15

 

Annual Travel Insurance

A must if you are planning a vacation outside your province, Blue Cross’s Annual Travel Insurance provides you with emergency medical coverage when you need it the most. This benefit provides full compensation in addition to:

  • Worldwide assistance
  • No deductible required
  • Up to $5 million worth of coverage
  • Coverage can be topped up if needed
  • Emergency financial assistance, if necessary
  • Coverage available for an unlimited number of trips annually
  • Coverage for hospital stays and associated medical expenses

Prescription Drugs

Prescription drugs are one of the most common health-related expenses. If you require multiple drugs to help treat an illness, the costs can add up quickly. Blue Cross’s coverage helps you down the road to recovery with the following benefits:

  • No deductible to pay
  • No lifetime maximum
  • Up to $500 of coverage annually
  • Pay Direct Drug Card issued by Blue Cross
  • 70% compensation (applicable only to Ontario Blue Cross)

Note: This benefit is available only up to age 64.

Dental Coverage

If you require basic or major dental procedures, the Blue Cross Basic Plan has you covered. Your dental coverage includes:

  • No deductible to pay
  • Nine-month recall exams
  • Up to $245 of coverage per person annually
  • 70% compensation for basic and/or major dental procedures

Accidental Death

Blue Cross offers an accidental death benefit with the following maximum payouts:

  • $5,000 per child
  • $25,000 per applicant and per spouse

Hospital Benefits

Hospitalization is sometimes a necessary part of the recovery process, but an extended stay can get expensive quickly. Blue Cross’s hospital benefits help you pay for your stay with the following benefits:

  • Coverage for private and semi-private hospital rooms
  • Up to $200 of coverage per day for a maximum of 90 days annually

Note: This benefit is only available to people aged 74 or younger.

Where can I get Blue Cross Basic Blue Choice coverage?

The Blue Cross Basic Blue Choice plan is available from most insurance brokers. However, before you purchase guaranteed issue health insurance, you should take some time to review your personal budget and other insurance policy options. By comparing insurance quotes, you can view other insurance products and evaluate their benefits before you make your decision.

Other Blue Cross Products

Learn more about Blue Cross’s other insurance offerings.

  • Tangible Plan: Critical Illness Insurance for Children

    Protect your children with Blue Cross Tangible Plan: Critical Illness insurance for Children. A unique plan specifically designed for them with a lump sum benefit plus lots of added features. This plan offers coverage up to $1 million with additional options for Automatic Benefit Increase and Refund of Premium.

  • Tangible Plan: Basic Critical Illness Insurance

    Protect yourself and your family with Blue Cross Tangible Plan: Critical Illness insurance. It's a basic critical illness plan designed to cover today’s major critical illnesses. This plan offers coverage of up to $2 million for 5 critical illnesses as well as a return of premium option.

  • Express Plan: Guaranteed Issue Life Insurance

    Protect yourself and your family with Express Plan: Guaranteed Issue Life Insurance. It's a life insurance coverage with NO QUESTIONNAIRE or MEDICAL EXAM that will assist your dependents with final expense costs. You can select an amount of coverage up to $20,000 depending on your age at application.

  • Blue Vision Plan: Comprehensive Disability Insurance

    Get protected with Blue Vision Plan: Comprehensive Disability Insurance. It's a comprehensive disability plan designed for employed Canadians (self-employed, an employee of a business that does not offer group insurance, or a business owner). This plan offers coverage of up to $10,000 of disability insurance per month with flexible waiting and benefit periods.

  • Blue Cross Travel Insurance for Snowbirds

    Why do snowbirds choose Blue Cross? The Blue Cross Travel Insurance plan for Snowbirds is designed for Canadians who head to warmer climates each year. This plan offer optional deductibles on emergency medical care costs. Where possible, Blue Cross arrange payment directly with the hospital with 24/7 travel assistance for any emergency, anywhere you travel.

  • Blue Cross Travel Insurance for Visitors to Canada

    Welcome to Canada! Travel to Canada with peace of mind with Blue Cross Travel Insurance for Visitors to Canada. It's a travel insurance plan designed for visitors to Canada that offers emergency medical care fees and is also available for individuals who are visiting Canada on a super visa.

  • Blue Cross Travel Insurance for Families

    Complete travel protection for your family with Blue Cross Travel Insurance for Families. It's a travel plan designed for Canadian families that love to travel together. This plan offer a wide range of travel insurance options to meet your family’s specific needs with $5,000,000 emergency medical care per trip and up to up to $2,000 emergency dental treatment as a result of an accident and many more.

Additional resources

Read more about health insurance from these informative articles to help you decide in choosing the right plan for you.

 

Need a Basic Blue Choice Quote?

Insurdinary provides a comprehensive quotes comparison sends straight to your inbox so you can start comparing guaranteed issue health coverage in minutes. See plans from several major Canadian insurers to choose the right option for you. Our customer health specialists are also available to address your questions and concerns.

For more information, you may contact us at 1-877-574-7475, or complete the form below.

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