Individual Health & Dental Insurance

If you are Self-employed, Contractor or business owner you may be eligible for Group Insurance.
Click for more information

ENTRY PLAN Reimbursement level 60% We offer Blue Cross HealthTM individual health and dental plans. For information on the Complete Health Plan please see the details below or click on get a quote.	ESSENTIAL PLAN Reimbursement level 70% We offer Blue Cross HealthTM individual health and dental plans. For information on the Complete Health Plan please see the details below or click on get a quote.	ENHANCED PLAN Reimbursement level 80% We offer Blue Cross HealthTM individual health and dental plans. For information on the Complete Health Plan please see the details below or click on get a quote.
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AD&D - Not Covered Accidental Dental $7,000 life time Ambulance – Not Covered Audiologist - $40 per visit- $250/ year Managing Chronic Disease- $40 per visit- $250/ year Diabetic supplies – Not Covered Dietician - $40 per visit -$250/ year Hearing Aids/Repairs - Not Covered Medical Equipment - Not Covered Mobility Aids -60% Nursing Care - Not covered Orthotics/Orthopedic (custom) $150 / year Ostomy Supplies - Not covered Oxygen - Not covered Prosthetics - Not covered Semi-Private Hospital - Not covered Chiropodist/Podiatrist - $40 per visit - $250/ year Occupational Therapist - $40 per visit -$250/ year Psychologist/Social/Psychotherapists Worker -$40 per visit -$250/ year Speech Therapist - $40 per visit -$250/ year Osteopath -$40 per visit -$250/ year Physiotherapist -$40 per visit -$250/ year Acupuncturist – Not covered Massage Therapist – Not covered Naturopath - Not covered Vision care - $100 every 2 years (6 month waiting period) Travel Insurance – Not covered	AD&D $15,000 applicant or spouse /$5,000 each child Accidental Dental $7,000 life time Ambulance – $420 Audiologist -$55 per visit - $400/ year Managing Chronic Disease -$55 per visit - $400/ year Diabetic supplies – Covered Dietician -$55 per visit -$400/ year Hearing Aids/Repairs - $400 / Every 5 years (6 month waiting period) Medical Equipment - Covered Mobility Aids - 60% Nursing Care - $3,500 / Every 2 years Orthotics/Orthopedic (custom) $150 / year Ostomy Supplies - Covered Oxygen - Covered Prosthetics - $10,000 life time Semi-Private Hospital - Covered Chiropodist/Podiatrist - $55 per visit -$400/ year Occupational Therapist -$55 per visit -$400/year Psychologist/Social/Psychotherapists Worker -$55 per visit -$400/ year Speech Therapist -$55 per visit -$400/ year Osteopath -$55 per visit -$400/year Physiotherapist -$55 per visit -$400/ year Acupuncturist -$55 per visit - $400/ year Massage Therapist -$55 per visit -$400/ year Naturopath -$55 per visit - $400/ year Vision care - $150 every 2 years (6 month waiting period) Travel Insurance – Not covered	AD&D $20,000 applicant or spouse /$5,000 each child Accidental Dental $7,000 life time Ambulance – $420 Audiologist $70 per visit -$500/ year Managing Chronic Disease $70 per visit -$500/ year Diabetic supplies – Covered Dietician -$70 per visit $500/per calendar year Hearing Aids/Repairs - $500 / Every 5 years (6 month waiting period) Medical Equipment - Covered Mobility Aids - 60% Nursing Care - $5,600/ Every 2 years Orthotics/Orthopedic (custom) $225/ year Ostomy Supplies - Covered Oxygen - Covered Prosthetics - $10,000 life time Semi-Private Hospital - 100% / 90 days Chiropodist/Podiatrist -$70 per visit - $500/ year Occupational Therapist -$70 per visit -$500/ year Psychologist/Social/ Psychotherapists Worker -$70 per visit -$500/ year Speech Therapist -$70 per visit -$500/ year Osteopath -$70 per visit -$500/ year Physiotherapist -$70 per visit -$500/ year Acupuncturist – $70 per visit -$500/ year Massage Therapist – $70 per visit -$500/ year Naturopath - $70 per visit - $500/per calendar year Vision care - $300 every 2 years (6 month waiting period) Travel Insurance – 100% / 30 days
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Not Covered under Entry plan	70% first $4,500 100% thereafter Overall benefit max per year – None Max co-pay per prescription - $100 Max out of pocket co-pay per year - $1,350 Birth control – Covered Smoking cessation - $800 / 5 years Fertility drugs - Not covered Vaccines - Not covered Allergy serums - Not covered Erectile dysfunction - Not covered	80% first $4,500 100% thereafter Overall benefit max per year – None Max co-pay per prescription - $50 Max out of pocket co-pay per year - $900 Birth control – Covered Smoking cessation - $800 / 5 years Fertility drugs - $1,500 / year ($3,000 life time) Vaccines - $250 / year Allergy serums - $500 / year Erectile dysfunction - $250 / year
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Yearly Max - $500 Dental Exam & Cleaning X-rays Fillings (3 month waiting period)	Yearly max – Unlimited (Basic Services) Dental Exam & Cleaning X-rays Fillings Extractions Root canals (6 month waiting period)	Yearly max – Unlimited (Basic Services) Dental Exam & Cleaning X-rays Fillings Extractions Root canals (6 month waiting period) Periodontics - 60% $1,200 / year (2 year waiting period) Major dental - 60% $500 / year (2 year waiting period) Orthodontics (Age 18 and under) - 60% $1,500 / year (2 year waiting period) Reimbursement limit $125/month

Important Notice:

The above plan designs is not a formal policy document. This summary is designed to offer a brief overview and does not encompass all details related to the insurance policy. Its purpose is to outline key benefits and provide a monthly cost that may vary depending on underwriting decisions.

Underwriting Requirements:

To process your application, the insurance carrier must ask for health questionnaires for underwriting purposes.

Exclusions and Pricing:

Exclusions may apply based on the policy terms and conditions.

Monthly prices are subject to variation and may be affected by various factors and underwriting decisions.

Individual Health & Dental Insurance

If you are Self-employed, Contractor or business owner you may be eligible for Group Insurance. Click for more information

Important Notice:

Underwriting Requirements:

Exclusions and Pricing:

If you are Self-employed, Contractor or business owner you may be eligible for Group Insurance.
Click for more information