Blue Cross™ Health - New Quoting System

Get your instant quote for NEW ELEMENTS - Compare Blue Cross™ Health & Dental plan Online.

Click Here

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!

Get Free Instant quote.  Click Here

Features-NB Drug Plan

What does it means for New Brunswickers?

Before April 1, 2014, this is what was covered under the New Brunswick Provincial Health Insurance Plan.

- Click here:  Fact Sheet   *


Now, with the new NB Drug Plan, another option will be available other than individual & group insurance plan coverage.

What will it means?  Well, as per the information provided to the public up to now, there are 2 phases in the process of implementing this new plan.

- Phase 1:  Starting April 1, 2014

• Voluntary enrolment.

- Phase 2:  After April 1, 2105

• Mandatory. that all New Brunswickers to have coverage.

What are options of drug coverage in New-Brunswick?

As per the information provided for the new Insurance act; 

All New Brunswickers must be a member of a prescription drug plan with benefits that is 

comparable to the government-sponsored plan.  

Now, it is time to make sure you have all the facts to better understand your options, to make the best decision for you and your family!

We recommend that you talk to a Licensed Health Plan Specialist.

* Fact Sheet provided by Manulife Financial

Drug Expenses: Out-of-pocket

Your “out-of-pocket” expenses

Understanding Cost sharing: 

The terms “cost-sharing” or “out-of-pocket costs” refer to the proportion of your medical bills you will be responsible for paying when you actually receive Health Care Insurance.  Keep in mind, that Cost sharing never includes your monthly premium.

These are the four cost-sharing terms you will see.

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.

Coinsurance

A percentage of the cost of your medical care.

-       For glasses that cost $500, you might pay 20 percent ($100). Your insurance company will pay the other 80 percent ($400).

-       Plans with higher premiums generally reimburse a larger portion of the bill.

Out-of-pocket limit

• The most cost-sharing you will ever have to pay in a year.  It is the total of your deductible, copays, and coinsurance (but does not include your premiums). 
• Once you hit this limit, the insurance company will pick up 100 percent of your costs for the remainder of the year.
•   Plans with higher premiums generally have lower out-of-pocket limits.

NOTE: Most people rarely pay enough cost-sharing to hit the out-of-pocket limit but it can happen if you require a lot of costly treatment for a serious accident or illness.

Plan with Deductible

The amount you pay every year before the insurance company starts paying its share of the costs.

-       If the deductible is $2,000, then you would pay cash for the first $2,000 in health care you receive each year, after which the insurance company would start paying its share.

-       Plans with higher premiums have lower deductibles, and vice versa.

Make the right choice!  Ask for a no obligation Blue Cross quote!

Drug Cost...Nothing matters more than your health!

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 

Blue Cross Options Plus