Complete Health
Mix-and-match health insurance that lets you build the perfect custom plan for your stage of life and your future needs.
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Individual and family health coverage that moves with you. Whatever your situation — independent contractor, small business owner, between jobs, or retired — there's a Medavie Blue Cross plan to fit your life.
Why MyPersonalHealthPlan
Coverage for real life
Most people will buy some form of individual health or life coverage in their lifetime. We're here to support you through your journey and help you find the plan that best fits your needs — no matter your situation.
Our plans support individuals regardless of where you are: independent contractor, small business owner, employee, or anything in between. There's a Medavie Blue Cross plan to support your current and future health needs — and we'll help you choose the right one.
The Plans
Find the plan that fits you
From flexible health coverage to dental and retirement plans — explore the options and we'll help you decide.
Assured Access
Takes a snapshot of your health situation today to guarantee your access to coverage in the future.
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Individual Dental
Does your current health plan cover dental? Add standalone dental coverage built around your needs.
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Guaranteed Acceptance
Coverage without medical questions — so you can get protected regardless of your health history.
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Retiree Plan
Health coverage designed specifically for retirees — so you can enjoy retirement with the protection you deserve.
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Spotlight
What is Complete Health?
Complete Health is a flexible health insurance plan that lets you choose the benefits you want — benefits that meet your needs and your budget. Build your plan knowing you can change it as your circumstances and needs change.
Start by picking one of our three health modules, then add any other modules that make sense for you.
The Perks
More than just coverage
Every Complete Health plan comes with extras designed to support your whole health.
A Healthy Body & Healthy Mind
Get access to a full wellness program and a confidential assistance program offering one-on-one counselling and support on a range of topics.
Connecting You to More Health Practitioners
Whether you need a dietitian, occupational therapist, psychologist, audiologist, or massage therapist, Elements offers coverage to help you manage your physical and mental health.
Online Doctors Benefit
Don't have time to see your doctor, don't have a family doctor, or want a convenient alternative to a clinic? Our Online Doctors benefit can help.
Need a Prescription? Don't Worry.
We won't limit your access to prescription medication based on an annual maximum cost.
Dental Coverage — As Painless as Possible
With Essential and Enhanced dental coverage, you'll have unlimited dollar coverage on fillings, extractions, and root canals.
How Does It Work?
Build it in modules
Getting started is easy — with Health Benefits being the only required module.
Health Benefits
RequiredChoose between Entry, Essential, and Enhanced.
Optional Drug Benefits
OptionalChoose between Essential and Enhanced.
Optional Dental Benefits
OptionalChoose between Entry, Essential, and Enhanced.
Optional Specialty Modules
OptionalChoose from Assured Access, Critical Illness, and Hospital Cash.
Spotlight
What is Assured Access?
Group health benefits or previous plans can be lost for multiple reasons — career changes, a long-term disability, a leave of absence, or retirement. With Assured Access, you don't have to worry about leaving your health coverage behind when you change jobs, leave a job, or retire.
How Does it Work?
It takes a snapshot of your health situation today and guarantees your access to a personal health plan that would cover any new medical conditions that develop after that time. If you're concerned about the loss of your previous plan's health benefits, Assured Access can provide long-term security for you and your family.
The Perks
What's included with Assured Access
More than future-proof coverage — real support and benefits from day one.
A Full Wellness Program
Access to inConfidence — our confidential assistance program offering one-on-one counselling and support, 24 hours a day, by phone and in person.
Cash Benefit
If you or an eligible dependent suffers an accident resulting in accidental death or dismemberment, Assured Access provides a cash benefit of up to $10,000, to spend at your discretion.
Waived Waiting Periods
If your other coverage is ending, waiting periods for health (e.g. vision and hearing aids), hospital, and even dental benefits can be waived.
Tax & HSA Friendly
Premiums can be added to your medical expenses when calculating tax credits, and can qualify toward your group Health Spending Account.
Individual Dental
Supplemental dental coverage that works for everyone
Our standalone Dental Plan offers comprehensive dental coverage on essential services, no income limits, and freedom to choose your dental provider.
What's Covered
Comprehensive dental benefits
Essential dental services covered at 70% of your dentist's fees, based on your provincial Dental Society fee guide.
Preventive Services
Regular exams, X-rays, and cleanings to keep your teeth healthy before problems start.
Restorative Services
Fillings, extractions, root canal therapy, and surgical services — the work that keeps your mouth healthy.
Denture Services
Coverage for denture services so you have access to the full range of dental care you need.
All services subject to applicable annual limits. A 6-month waiting period applies if you are not applying within 60 days of losing group benefits.
Guaranteed Acceptance
Health insurance you can rely on
Life isn't perfect, and neither is our health. Whether you're managing a chronic condition or simply tired of medical questionnaires, the Guaranteed Acceptance health plan protects you with essential health coverage.
Essential health benefits that cover what matters most
No matter your age or health situation, find the coverage that fits your life. Get 70% reimbursement on essential services like prescriptions, dental care, and health practitioners.
Managing ongoing health conditions?
- Find the protection that fits your life regardless of age or health situation
- 70% reimbursement on essential services like dental care, health practitioners, and prescription drugs
- Pre-existing conditions are covered
Over 65 and need supplemental health coverage?
- Provincial health plans don't cover everything
- Add essential protection for dental care, vision, hearing aids, and prescription drugs to fill the gaps
- No medical questions required
Previously declined by other insurers?
- Everyone qualifies regardless of health history
- Get the basic protection you need with the confidence of guaranteed approval
Retiree Plan
Find your perfect coverage
Every retirement plan is unique. Discover which option fits your lifestyle and budget.
Silver
Recently retired and budget-conscious
- Coverage for prescriptions, essential health services, and 30-day multi-trip travel coverage
- Ideal for maintaining your health routine and occasional travel
Gold
Active retirees planning longer travel adventures
- Enhanced coverage for prescription drugs and health practitioners
- 60-day multi-trip travel coverage
- Ideal for couples planning longer trips and pursuing active lifestyles
Platinum
Comprehensive protection seekers
- Highest coverage levels for prescription drugs and health professionals
- 90-day multi-trip travel coverage
- Perfect for retirees who want complete peace of mind and maximum flexibility
What People Say