Why Young adult?
Our young adult plan is designed to help you maintain and support your health and give you peace of mind with health and dental benefits that focus on prevention.
You can take care of yourself today with benefits for:
- massage therapy,
- physiotherapy,
- mental health,
- dental and,
- prescription drug coverage.
Compare coverage levels
Extended health benefits
You can choose a coverage level for some extended health benefits. This lets you build a plan that’s right for you.
The total for all extended health claims is $5,000 (excluding Accidental Death and Dismemberment, travel insurance and Term Life Insurance).
Core benefits
These benefits come with set coverage amounts.
Paramedical
included
Ambulance services (ground and air)
100%
Massage therapist (per visit)
$50
Physiotherapist (per visit)
$50
Chiropractor (per visit)
$40
Hospital coverage
included
Hospital cash (per day/per year)
$20 / $400
Preferred hospital accommodations (per year; semi-private or private rooms)
$750
Vision
included
Overall maximum (every 24 months from date of service)
$150
Eye exam maximum (included in overall maximum)
$85
Life
included
Accidental Death and Dismemberment (AD&D)**
$15,000
Term life,** terminates at age 55*
$10,000
Wellness
included
Balance®—online program that promotes wellness and helps you live a healthier lifestyle.
Virtual care—telemedicine program that offers 24/7 access to physical and mental healthcare professionals.
Blue Advantage®—discount program for health and wellness products.
Care navigation®—lifestyle and chronic disease management through our website.
Medical device supplies
included
Accidental dental (per incident)
$2,000
Custom braces (per two years)
70%; $750
Medical aids (per year; casts, canes, cervical collars, crutches, walkers, splints, trusses and traction kits):
$250 (surgical stockings: $200)
Travel
included
Maximum (per participant, per trip) terminates at age 65*
$5 million
Travel days (per trip)
10
Travel plan discount (additional coverage)
15%
Stability clause (days)
90
* "Terminates at age" references the age when a benefit is no longer available for that specific individual.
** Underwritten by Blue Cross Life Insurance Company of Canada.
Customizable benefits
You can customize your benefits to fit your needs. Only one level may be selected for your plan.
Coverage
Psychologist/counseling (per visit/per year)
Level A - $100/$500
Level B - $100/$500
Level C - $100/$800
Level D - $100/$1200
Level E - $100/$1200
Eligible expenses for individual or family counselling for treatment of mental or emotional illness, including assessment, provided by a psychologist, master of social work, registered social worker or other health care professional approved by us in our discretion.
Chiropractor, massage, and physiotherapy Combined maximum (per year)
Level A - $100
Level B - $300
Level C - $300
Level D - $300
Level E - $600
Dental benefits
Coverage
Annual Maximum (per benefit year)
Level A - $500
Level B - $1,000
Level C - $1,500
Basic and preventive care (three-month waiting period; includes checkups, cleanings, fillings, extractions and root canals)
Level A - 70%
Level B - 75%
Level C - 80%
Removable prosthodontics (dentures) (one year waiting period)
Level A - 0%
Level B - 50%
Level C - 50%
Periodontics (one year waiting period)
Level A - 0%
Level B - 50%
Level C - 80%
Extensive; includes crowns, bridges and implants (two year waiting period)
Level A - 0%
Level B - 50%
Level C - 80%
Orthodontic (two year waiting period; per lifetime)
Level A - 0%
Level B - 0%
Level C - 50%; $2,000
Prescription drug
Coverage
Maximum (per year; includes diabetic supplies and Glucose Monitoring Systems (GMS), contraceptives, smoking cessation and vaccines)
Level A - $500
Level B - $1,000
Level C - $2,000
Coverage level
Level A - 70% direct bill
Level A - 70% direct bill
Level A - 70% direct bill
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