Extended health
The total for all extended health claims is $7,500 per year (excluding Accidental Death and Dismemberment and travel insurance).
The Retiree plan now includes Flight Delay Service.Retiree plan members of all levels now have access to Flight Delay Service at no extra cost. Traveling is important to retirees, so we included extensive travel insurance in this plan.
Hospital
| Coverage | Level A | Level B | Level C | Level D |
|---|---|---|---|---|
| Preferred hospital accommodations (per year; semi-private or private rooms) | $1,000 | $2,000 | $3,000 | $5,000 |
| Hospital cash (per day/per year) | - | $20/$400 | $20/$600 | $25/$800 |
| Hospital beds (per lifetime) | - | $1,000 | $1,500 | $3,000 |
| Home nursing (per year) | - | $2,500 | $2,500 | $5,000 |
| Auxiliary care (per year) | - | - | $1,000 | $1,000 |
Paramedical practitioners
| Coverage | Level A | Level B | Level C | Level D |
|---|---|---|---|---|
| Individual Assistance Program (IAP) | 12 sessions | 12 sessions | 12 sessions | 12 sessions |
| Ambulance services (ground and air) | 100% | 100% | 100% | 100% |
| Accidental dental care (per incident) | $2,000 | $2,500 | $3,000 | $5,000 |
| Psychologist (including iCBT) (per visit/per year) | $75/$450 | $75/$600 | $75/$750 | $225/$1,800 |
| Chiropractor (per visit) | - | $35 | $35 | $75 |
| Physiotherapist (per visit) | - | $50 | $50 | $120 |
| Massage therapist (per visit) | - | $50 | $50 | $100 |
| Combined maximum (chiropractor, physiotherapist and massage therapist) | - | $500 | $750 | $1,400 |
| Podiatrist and chiropodist (per visit) | - | $25 | $25 | $105 |
| Combined maximum (podiatrist and chiropodist) | - | $300 | $300 | $500 |
| Acupuncturist (per visit) | Level A - |
- | $50 | $105 |
| Homeopath (per visit) | - | - | $50 | $180 |
| Osteopath (per visit) | - | - | $50 | $150 |
| Naturopath (per visit) | - | - | $50 | $190 |
| Dietitian (per visit) | - | - | - | $175 |
| Combined maximum for acupuncturist, homeopath, osteopath and naturopath (dietitian included in level D) | - | - | $650 | $650 |
| Speech language pathologist (per visit/per year) | - | - | $80/$500 | $150/$600 |
Medical device supplies
| Coverage | Level A | Level B | Level C | Level D |
|---|---|---|---|---|
| Blood pressure monitor (per five years) | - | - | $150 | $150 |
| Custom braces (per two years) | - | 70%;$750 | 70%;$750 | 70%;$1,000 |
| Foot orthotics (per two years) | - | $300 | $300 | $300 |
| Wheelchair (per three years) | - | $1,500 | $1,500 | $3,000 |
| Medical aids (per year; crutches, canes, casts, cervical collars, walkers, splints, trusses and traction kits) | - | $250 | $250 | $250 |
| CPAP sleep apnea appliance (per five years) | - | $500 | $750 | $2,000 |
| Hearing aids (per four years) | - | $500 | $1,000 | $3,000 |
| Ileostomy/colostomy, urinary catheters and supplies (per year) | - | $1,200 | $1,200 | $1,200 |
| Surgical stockings (per year) | - | $200 | $200 | $250 |
| Mastectomy prosthesis (per two years) | - | $200 (single) | $200 (single) | $200 (single) |
| Mastectomy prosthesis (per two years) | - | $400 (double) | $400 (double) | $400 (double) |
| Maximum per brassiere (maximum two per years) | - | $50 | $50 | $50 |
| Prosthetics (per year, including maximum six stump socks) | - | $300 | $300 | $3,000 |
| Oxygen and equipment (per year) | - | - | $1,000 | $2,500 |
| Wigs and hairpieces (per five years) | - | $250 | $250 | $250 |
Vision care
| Coverage | Level A | Level B | Level C | Level D |
|---|---|---|---|---|
| Vision care including eye exams (per two years) | $150 | $300 | $500 | $600 |
Travel
| Coverage | Level A | Level B | Level C | Level D |
|---|---|---|---|---|
| Emergency Medical Care coverage per trip | $5 million | $5 million | $5 million | $5 million |
| Trip length | 30 days | 60 days | 90 days | 120 days |
| Discount on Emergency Medical Care applied to the extra days you need | 15% | 20% | 25% | 25% |
| Discount on Trip Cancellation or Interruption | 10% | 10% | 10% | 10% |
| Access to Flight Delay Service | Included | Included | Included | Included |
| Length of time pre-existing conditions must be stable before departure date | 90 days | 90 days | 90 days | 90 days |
Life
| Coverage | Level A | Level B | Level C | Level D |
|---|---|---|---|---|
| Accidental Death and Dismemberment (AD&D)** | $15,000 | $20,000 | $25,000 | $25,000 |
**Underwritten by Blue Cross Life Insurance Company of Canada®.
Wellness
| Coverage | Level A | Level B | Level C | Level D |
|---|---|---|---|---|
| Balance® — online program that promotes wellness and helps you live a healthier lifestyle. | Included | Included | Included | Included |
| Blue Advantage® — discount program for health and wellness products. | Included | Included | Included | Included |
| Care navigation — lifestyle and chronic disease management through our website. | Included | Included | Included | Included |
| Virtual Care — telemedicine program that offers 24/7 access to physical and mental health care professionals. | - | - | - | Included |
Optional dental*
| Coverage | Level A | Level B | Level C | Level D |
|---|---|---|---|---|
| Maximum (per year) | $750 | $1,500 | $2,000 | $5,000 |
| Basic and preventive care includes checkups, cleanings, fillings, extractions and root canals | 70% | 75% | 80% | 90% |
| Dentures | - | 50% | 50% | 60% |
| Periodontics | - | 50% | 80% | 90% |
| Extensive includes crowns, bridges and implants | - | - | 50% | 60% |
*Alberta Blue Cross® Individual Health Plan Usual and Customary Dental Fee List.
Prescription drug
| Coverage | Level A | Level B | Level C | Level D |
|---|---|---|---|---|
| Coverage level direct bill | 70% | 75% | 80% | 90% |
| Maximum (per year; includes diabetic supplies and Glucose Monitoring Systems (GMS), contraceptives, smoking cessation and vaccines) | $1,000 | $2,000 | $3,000 | - |
| Maximum (per year; includes diabetic supplies and Glucose Monitoring Systems (GMS), contraceptives, smoking cessation, vaccines, weight loss drugs, hair loss drugs and sexual dysfunction drugs) | - | - | - | $5,000 |
| Blue Care™ Pharmacist's advice to help navigate high-cost drug claims | Included | Included | Included | Included |
Additional features
Balance®
Your Retiree plan includes exclusive access to Balance®, our online wellness program to support and promote your health.
Blue Advantage®
You will also enjoy access to Blue Advantage®, a program that enables Alberta Blue Cross® plan members to save on medical, vision care and many other products and services regardless of whether the item is covered under your benefit plan or not.
Retirement guide
Whether you’re retiring, leaving your employer-sponsored group benefits plan or assisting aging parents, this guide is designed to help you understand the complexity of retirement health benefits.
Understanding health and dental benefits during retirement