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Personal
health and dental plans pick up where the government plans (the Medical
Services Plan of BC and Pharmacare) leave off. For example, for British
Columbians under age 65, Pharmacare begins paying a portion of presription
drug costs only after you, or your family, have spent more than $1,000
in a year. Pacific Blue Cross (PBC) Extended Health Plans start by covering
80% of prescription drug costs (after a small annual deductible). As
a second example, if you are hospitalized, Medical Services Plan will
pay for your stay in a ward. If you choose to upgrade to a semi-private
or private room, PBC plans will help pay for the additional cost.
Pacific Blue Cross has a family of health, dental and travel plans to
meet all of your needs and your budget.
First Choice Plan
Within
First Choice Plan, PBC offers health, dental, a dental add-on (to supplement
existing health coverage) and a unique Dental Only PLan.
Extended
Health Care
The
Extended Health Plan covers 80% of the following expenses:
- Prescription Drugs
- Semi-private and
private hospital accomodation
- Physiotherapy and
massage therapy treatment fees
- Local ambulance
service
- Medical supplies,
equipment and services.
- Out of Province
emergency medical coverage
There is an annual
deductible of $25 per person or family. The maximum payment that
PBC will reimburse under this plan is $15,000 for each covered
person (the lifetime limit).
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Dental
and Dental Add-On
Pacific Blue Cross
provides dental coverage in combination with extended health
care or as an add-on to an existing health care plan. There are no lifetime
financial limits with any of PBC's dental plans. They pay for eligible
services in accordance with the current Pacific Blue Cross Dental
Fee Schedule.
The Dental Plan covers 70%
of eligible expenses in the first year of coverage, after a three-month
no-claims waiting period, and 80% thereafter. PBC's Dental Plan covers
the following services:
- Diagnostic - oral
examinations, x-rays
- Preventive - polishing,
flouride treatments, pit and fissure sealants
- Restorative - amalgam
(silver-coloured) fillings, composite (tooth-coloured) fillings
on front adult teeth
- Periodontal cleaning
- scaling and root planing
- Prosthodontic -
denture services, minor adjustments, rebasing, relining and
repair, repairs to inlays, crowns and bridges
- Oral Surgery - routine
extractions
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Deluxe
Choice Plan
The Deluxe Choice Plans offer comprehensive
coverage for those who want a wider range of extended health and dental
benefits.
In addition
to the benefits in the First Choice Plan, the Deluxe Choice Health Plan
covers 80% of the following:
- Chiropractic and
naturopathic treatment fees
- Eyeglasses/contact
lenses after 12 months on this plan
- Hearing aids (for
children)
- Accidental death
& dismemberment insurance
- Final Expense benefit
- Hospital daily cash
benefit
- Worldwide emergency
medical assistance
There is an annual
deductible of $25 per person or family. The maximum payment that
PBC will reimburse under this plan is $25,000 for each covered
person (the lifetime limit).
In addition to the
dental benefits of the First Choice Plan, the Deluxe Choice dental
coverage includes Endodontics:
- Root Canal therapy,
which includes diagnostic x-rays, pulp vitality test, open and
drain, and restoration of the one-surface access opening
- Surgical cleaning
and scraping of diseased tissue surrounding the root of a tooth
- Root amputation
- Pulp capping
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Blue
Choice Plans
Build your own benefit coverage with
our flexible Blue Choice Plans. You can tailor your coverage to suit
you and your family's changing needs.
Pacific Blue
Cross has two plans: one for individuals 64 years and younger, and the
other for individuals 65 years and over. We have increased benefit coverage
and we have increased flexibility by adding optional benefits. Pacific
Blue Cross provides maximum coverage at a cost suitable to your budget.
Pacific Blue Choice helps to protect you and your family against unexpected
health problems and emergencies, as well as pay for your ongoing health-related
costs that are not covered by your provincial medical plan.
With Blue
Choice, you start with all the benefits covered by the Deluxe Choice
Plan, and then choose from these optional benefits:
- Prescription
drugs excluded from the BC Pharmacare list of eligible drugs
- Private
duty care nursing (higher financial limit) and rehabilitation hospital
benefit
- Plan A
(basic) dental
- Plan A
(basic) and Plan B (major) dental
- Direct
pay drug card
Additional
benefits include:
- Private
duty care nursing in your home
- Patient
user fees for massage therapy, physiotherapy, acupuncturist, naturopathic
services, chiropractic services and other similar services
- Accidental
dental
- Survivor
benefit coverage for 24 months
If your Blue
Choice Plan does not include a Direct Pay Drug card, the annual deductible
is $25 per person or family. If your plan includes a Direct Pay Drug
card, the deductible is $50. The maximum payment that PBC will reimburse
under this plan is $50,000 per person (the lifetime limit).
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