New Blue Cross Health & Dental Plan- Elements

Have you heard about the new Medavie Blue Cross Health Plan...?

Definitely more options available.  You can now customized your personal #HealthPlan & #DentalPlan with #BlueCross.

Compare Best Health & Dental Plan!

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Co-Payment

....Also known  as "Copay"

A fixed dollar amount you pay for certain types of care.

-       You might pay a $20 for a chiropractor’s visit and the insurance company will reimburse the rest.   Plans with higher premiums generally have lower copays, and vice versa. 

      Here is what you get with Blue Cross Insurance, and that is why in my professional opinion, they have the best offer on the Canadian market at this point, compared to Manulife and Sunlife.

   

     ** What does a $50 Maximum Co-payment Per Prescription mean....to a client...?

The drug module under the Options and Options Plus personal health plans can help keep your costs down. It has no overall maximum and a maximum co-payment of $50 per prescription. The most you’ll ever pay for any one prescription is $50.

For example:

The $50 maximum co-payment per prescription could save you more than $3,500 in one year alone over a conventional 20% co-payment plan.  Overall, the Options Plus plan could save you more than $20,000 in one year.

Example of James (one of our client) living with Psoriatic arthritis:

Cost of medication:"Enbrel" 

• $1,733.69 (per month)
• $20,804.28 (per year)

Cost to James with 20% co-payment:

• $346.74 (per month)
• $4,160.86 (per year)

Cost to James with an Options or Options Plus plan: 

• only $50 per month = $600 per year.

So on a regular individual or group coverage, it could of cost James over $20,000 compared to $600.

Drug & Health Insurance

Who needs Personal Drug & Health Insurance Plan?

The short answer – we all do.

While our provincial health care coverage ensures we have access to primary areas of medical care, Individual Health Insurance fills in the gaps of the cost of health care. 

Drug Plan includes coverage for prescription drugs.  Health Plan includes medical equipment, some services from registered professionals like physiotherapists or psychologists, vision care, dental care, and more.

Personal Individual coverage is designed for those who don’t have access to a group health care plan, most commonly those who are self-employed or between jobs.

By having your own personal plan, you are guaranteeing your coverage, in most cases, for life.

Ask #Questions, Get #Options, Make a #Choice!

If you are looking for a free quote, from plans that qualify for the new Drug Legislation in NB....Click here