Compare personal health insurance plans

Find the key differences between plans to help you decide which health coverage is right for you.

Blue Choice ®
Conversion
Guaranteed Acceptance
Retiree Basic
Retiree Classic
Retiree Enhanced
Accidental death & Dismemberment (under 65)
Up to $25,000 for policyholder and/or partner; $5000 for each dependent child
Not included.
Not included.
Not included.
Accidental dental
Unlimited coverage for accidental damage to natural teeth
$2,000
$2,500
$3,000
Ambulance

Unlimited Emergency trips to a Hospital

*50% to transport the Insured to their home residence or another Hospital when ordered by a Physician following Emergency Hospital treatment. *50% for ambulance services that do not result in transport to a Hospital.
Blood pressure monitors
One in a 5-year period
Breast prosthesis
Unlimited, one in a 24-month period
Not included.

$325 (single) per two Policy Years

$650 (double) per two Policy Years

Counselling Services*

*Clinical psychologist, counsellor registered social worker
Coverage included under Health practitioners benefit
$75 per visit to a combined maximum of $450 per Insured per Policy Year
$75 per visit to a combined maximum of $600 per Insured per Policy Year
$75 per visit to a combined maximum of $750 per Insured per Policy Year
Diabetic supplies & equipment
  • Supplies: Unlimited coverage
  • Equipment: 80% to $500
Up to $500 combined
  • Diabetic Equipment: Coverage not included
  • Diabetic Supplies: Included under the Prescription drug benefit
  • Diabetic Equipment: $500 per Insured per five Policy Years
  • Diabetic Supplies: Included under the Prescription drug benefit
Funeral expenses (age 65 and over)
Up to $4000 when death is accidental
Not included.
Not included.
Not included.
Health practitioners

Up to $400 per specialty*

*Specialties Include: chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist / counsellor / social worker, naturopath, speech language pathologist and acupuncturist

Up to $300 per specialty*

*Specialties Include: chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist / counsellor / social worker, naturopath, speech language pathologist and acupuncturist
Not included.
Acupuncturist, athletic therapist, chiropodist, chiropractor, dietitian, homeopath, massage therapist, naturopath, osteopath, podiatrist, physiotherapist, reflexologist
  • 80% to a combined maximum of $500 per Insured per Policy Year
Speech language pathologist / audiologist
  • $80 per visit to a combined maximum of $300 per Insured per Policy Year
Acupuncturist, athletic therapist, chiropodist, chiropractor, dietitian, homeopath, massage therapist, naturopath, osteopath, podiatrist, physiotherapist, reflexologist
  • 80% to a combined maximum of $750 per Insured per Policy Year
Speech language pathologist / audiologist
  • $80 per visit to a combined maximum of $500 per Insured per Policy Year
Hearing aids
  • Up to $800 in a 5-year period
  • Up to $800 in a 3-year period for each dependent child
  • 12-month waiting period
  • Up to $800 in a 5-year period
  • Up to $800 in a 3-year period for each dependent child
  • No waiting period
Not included.
$800 per Insured per four Policy Years
$1,000 per Insured per four Policy Years
Hospital
  • Preferred accommodations
  • In hospital drugs
  • Maximum 30 days

Preferred Hospital Accommodation

  • $1,000 per Insured per Policy Year

Preferred Hospital Accommodation

  • $2,000 per Insured per Policy Year

Preferred Hospital Accommodation

  • $3,000 per Insured per Policy Year
Hospital cash
Hospital cash is available as an optional benefit add-on.
  • Under age 65 – $100 per day, up to 50 consecutive days of hospitalization
  • Age 65 and over – $100 per day, up to 30 consecutive days of hospitalization
  • Benefits begin on:
    • 1st day of hospitalization due to an accident
    • 4th day of hospitalization due to an illness
    • 8th day of hospitalization due to maternity
Not included.
$20 per day to a maximum of 20 days per Insured per Policy Year
$20 per day to a maximum of 30 days per Insured per Policy Year
Individual Assistance Program (IAP)
Coverage provides access to a variety of mental health and wellness supports. Homewood Health’s IAP provides confidential, professional services for a broad range of personal and family challenges by telephone, in person and online.
Mastectomy bras
Not included.
Not included.
Not included.
Not included.
$50 per bra to a maximum of two bras per Insured per Policy Year
Medical aids
Coverage included under Prosthetic & medical appliances benefit

Combined maximum of $250 per Insured per Policy Year

*casts, compression garments, splints, holding chamber, nebulizers, trusses, rib belts, sacroiliac corsets, cervical collars, traction devices, shoulder immobilizers and stump socks.
Medical equipment
  • Purchase or rental of a wheelchair and/or hospital bed to a lifetime maximum of $500
  • Purchase or rental of a patient walker to a lifetime maximum of $300
  • Purchase or rental of oxygen equipment to a maximum of $500 per Policy year
  • Combined lifetime maximum is $1500
  • Purchase of a wheelchair and/or hospital bed: 80% of purchase cost or 100% of rental cost to a lifetime maximum of $500
  • Purchase of a walker: 80% of the purchase cost or 100% of the rental cost to a lifetime maximum of $300
  • Purchase or rental of oxygen equipment to a maximum of $500 per Policy year
  • Combined lifetime maximum is $1500
  • Purchase or rental of a walker: $250 per Insured per five Policy Years
  • Purchase or rental of a hospital bed: $1,000 lifetime maximum per Insured
  • Purchase or rental of oxygen equipment $500 per Insured per Policy Year
  • Purchase or rental of Positive Airway Pressure (PAP) Machine and Supplies: Combined maximum of $350 per Insured per Policy Year
  • Purchase or rental of a walker: $250 per Insured per five Policy Years
  • Purchase of a wheelchair and/or motorized scooter: $1,500 per Insured per three Policy Years
  • Purchase or rental of a hospital bed: $1,500 lifetime maximum per Insured
  • Purchase or rental of oxygen equipment $500 per Insured per Policy Year
  • Purchase or rental of Positive Airway Pressure (PAP) Machine and Supplies: Combined maximum of $500 per Insured per Policy Year
  • Purchase or rental of a walker: $250 per Insured per five Policy Years
  • Purchase of a wheelchair and/or motorized scooter: $1,500 per Insured per three Policy Years
Mobility aids
Unlimited
Combined maximum of $250 per Insured per Policy Year
Orthopaedic shoes & supplies
80% to $200
Not included.
$300 per Insured per two Policy Years
Ostomy supplies
Unlimited
Up to $500
Not included.
$1,200 per Insured per Policy Year
Out-of-province referral services
Lifetime maximum of $50,000 for pre-approved medical services
Not included.
Not included.
Not included.
Out-of-Saskatchewan (within Canada) emergency services
Unlimited
Not included.
Not included.
Not included.
Prescription drug
Prescription drug is available as an optional benefit add-on
  • 80% to $150 for prescribed drugs listed in the Saskatchewan Prescription Drug Plan Formulary
  • 70% to $1,000 per Policy Year
  • Annual combined maximum includes:
    • Exception Drug Status (EDS) medications
    • Diabetic supplies
    • Vaccines: $500 per insured per policy year
    • Smoking cessation: $300 per insured per lifetime
*For prescribed drugs listed in the Saskatchewan Drug Plan Formulary
  • 75% to $2,000 per Policy Year
  • Annual combined maximum includes:
    • Exception Drug Status (EDS) medications
    • Diabetic supplies
    • Vaccines: $500 per insured per policy year
    • Smoking cessation: $300 per insured per lifetime
*For prescribed drugs listed in the Saskatchewan Drug Plan Formulary
  • 80% to $3,000 per Policy Year
  • $6 deductible per eligble prescription
  • Annual combined maximum includes:
    • Exception Drug Status (EDS) medications
    • Diabetic supplies
    • Vaccines: $500 per insured per policy year
    • Smoking cessation: $300 per insured per lifetime
*For prescribed drugs listed in the Saskatchewan Blue Cross Formulary
Private duty nursing
80% up to $5,000
80% up to $2,500
Not included.
$2,500 per Insured per Policy Year
$5,000 per Insured per Policy Year
Prosthetic & medical appliances
  • Unlimited: artificial eyes, limbs, crutches, canes, casts, splints, metal braces (excluding dental splints and braces), aerochambers, nebulizers, trusses, rib belts, sacroiliac corsets, embolic stockings, cervical collars.
  • Charges for the purchase of wigs when prescribed by a Physician and required as a result of a Medical Condition, up to $250 per Insured per Policy year.
  • Charges for the purchase of breast prostheses once in any 24-month period.
Not included.
  • Brace: 70% to a maximum of $750 per Insured per two Policy Years

  • Prosthetics: $3,000 per Insured per three Policy Years

    *purchase, repair, or replacement of prosthetic eyes, limbs and larynx
  • Wigs and hairpieces: $500 per Insured per two Policy Years
  • Compression stockings: Maximum of two pairs per Insured per Policy Year
  • Brace: 70% to a maximum of $750 per Insured per two Policy Years

  • Prosthetics: $5,000 per Insured per three Policy Years

    *purchase, repair, or replacement of prosthetic eyes, limbs and larynx
  • Wigs and hairpieces: $500 per Insured per two Policy Years
  • Compression stockings: Maximum of two pairs per Insured per Policy Year
VIP travel
VIP Travel is available as an optional benefit add-on.
  • Up to 30 consecutive days per trip with no limit on the number of trips
  • $5 million in emergency hospital and medical benefits
  • $100,000 in air flight and common carrier accident insurance
  • Up to $1000 for trip interruption
  • Up to $1000 for baggage and personal effects
  • Up to $1500 for meals and accommodations
  • Up to 65 consecutive days per trip with no limit on the number of trips
  • $5 million in emergency hospital and medical benefits
  • $100,000 in air flight and common carrier accident insurance
  • Up to $1000 for trip interruption
  • Up to $1000 for baggage and personal effects
  • Up to $1500 for meals and accommodations
Virtual care
Coverage provides access to virtual care services through Cleveland Clinic Express Care Online (ECO). ECO connects you with a Cleveland Clinic Canada nurse practitioner to receive a diagnosis and/or prescription for non-emergency medical conditions. You can seek virtual care support as often as needed.
Vision care
  • Up to $100 for one eye examination in a 24-month period
  • Up to $150 for prescription eyewear or laser eye surgery in a 24-month period
  • Up to $75 for one eye examination in a 24-month period
  • Up to $100 for prescription eyewear in a 24-month period
  • Combined: Up to $150 for eye examination, prescription eyewear, or laser eye surgery in a 24-month period
  • Up to $75 for eye examination in a 24-month period
  • Up to $150 for prescription eyewear or laser eye surgery in a 24-month period
  • Up to $75 for eye examination per Policy Year.
  • Up to $250 for prescription eyewear or laser eye surgery in a 24-month period
Icon/UI/plus-circle Optional Health Benefits
Dental

After 3 Months

  • Basic dental services: 75% to a maximum of $750

After 1 Year

  • Basic dental services: 80% coverage
  • Major dental services: 50% coverage
  • Combined maximum of $1,000

After 2+ Years: $1,500

  • Basic dental services: 80% coverage
  • Major dental services: 50% coverage
  • Combined maximum of $1,500

Dental waiting period: 3-month waiting period

After 3 Months

  • Basic dental services: 80% coverage
  • Major dental services: 50% coverage
  • Combined maximum of $1,500

Dental waiting period: The 3-month waiting period will be waived provided the Insured had dental benefits under the previous employer benefits plan for 3 continuous months at the time of cancellation. If the waiting period is waived, coverage will continue uninterrupted based on the number of years dental benefits were held under the previous employer benefits plan.

Dental benefits are included in core benefits under the Guaranteed Acceptance plan.

  • Receive the highest level of dental coverage upon your plan’s activation
  • Basic dental services: 80% coverage
  • Major dental services: 50% coverage
  • Combined maximum of $1,500

Dental waiting period: No waiting period

  • Basic dental services: 70% to a maximum of $750
  • Basic dental services: 75% coverage
  • Major dental services: 50% coverage
  • Combined maximum of $1,500
  • Basic dental services: 80% coverage
  • Major dental services: 50% coverage
  • Combined maximum of $2,000

Basic Dental Services include procedures such as: examinations, x-rays, tests, cleaning, filling, root canals, oral surgery, denture repairs, etc.

Major Dental Services include inlays, onlays, crowns, dentures, bridges, some orthodontic services.

Hospital cash
  • Under age 65: $100 per day up to 50 consecutive days of hospitalization
  • Age 65 and over: $100 per day up to 30 consecutive days of hospitalization

Benefits begin on:

  • 1st day of hospitalization due to an Accident
  • 4th day of hospitalization due to an illness
  • 8th day of hospitalization due to maternity

Hospital Cash is included in core benefits under the Conversion plan.*

*Effective June 1, 2023, Hospital Cash will become a Core Health Benefit for all Conversion Policyholders.
Hospital Cash is included in core benefits under the Guaranteed Acceptance plan.
Not included.
Hospital Cash is included under the Retiree Plan.
Hospital Cash is included under the Retiree Plan.
Prescription drug
  • 80% unlimited
  • Pay Direct Card
*For prescribed Drugs listed in the Saskatchewan Prescription Drug Plan Formulary
  • 80% to $500 OR
  • 80% to $1500
*For prescribed Drugs listed in the Saskatchewan Prescription Drug Plan Formulary

Prescription Drugs are included in core benefits under the Guaranteed Acceptance plan.

Prescription drug is a required benefit under the Retiree plan

VIP Travel
  • Up to 30 consecutive days per trip with no limit on the number of trips
  • $5 million in Emergency Hospital and medical benefits
  • $100,000 in air flight and common carrier accident insurance
  • Up to $1000 for trip interruption
  • Up to $1000 for baggage and personal effects
  • Up to $1500 for meals and accommodations

VIP Travel is included in core benefits under the Guaranteed Acceptance plan

VIP Travel is a required benefit under the Retiree plan

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