Frequently Asked Questions: Personal Health Plans

The Guaranteed Acceptance Personal Health Plan is available to any resident of Saskatchewan with a valid Saskatchewan Health Care Card. There is no age restriction or timeframe requirement (after leaving another benefits plan) applicable. There is no review of medical history required.

If you'd like to apply for the Guaranteed Acceptance plan, you can apply online here, contact our Member Experience team at 1-800-667-5853, or reach out to your insurance advisor for assistance. and a Saskatchewan Blue Cross representative can assist them with their application and provide an offer for coverage.

The Guaranteed Acceptance Personal Health Plan is a comprehensive package, bundling our most popular benefits:

• Core health (20+ benefits)
• Prescription drugs up to $1500
• Dental
  • 80% for Basic services & 50% for Major services
  • Combined maximum of $1500 per policy year
• VIP Travel

Click here to compare the benefits included in the Guaranteed Acceptance plan to other plan options.

The Guaranteed Acceptance Personal Health Plan is designed to cover anyone who needs health insurance, regardless of their medical history or what stage of life they're in.

The plan bundles our most popular benefits, providing comprehensive, affordable coverage.  These benefits include core health, prescription drug, dental and VIP Travel coverage. No changes can be made to the coverage offerings, including reductions of coverage amounts or excluding benefits.

Click here for a complete review of the benefits included in the Guaranteed Acceptance personal health plan.

Premiums for the Guaranteed Acceptance plan are calculated using the age of the eldest member on the policy and the number of family members that will be covered.  Premiums are designed to focus on our members' needs, providing coverage for a range of benefits that will aid their pre-existing conditions while still being competitive in the market.

Get a quote for coverage here.

The Retiree Plan is available to residents of Saskatchewan aged 50 and older who are nearing retirement, or have recently retired, and are leaving a group benefits plan. Coverage under the Retiree Plan must begin within 90 days of the date on which you lost coverage through your employer benefits plan.   

Retiree Application Requirements

• Applicants must be at least 50 years of age and have retired within the last 90 days, losing group benefits coverage.
• Applicants must also be residents of Saskatchewan.

There are no upper age limits, and all benefits remain available regardless of age.

Not at this time. The Retiree Plan is only available to members who have retired and lost coverage through a group benefits plan in the past 90 days.

The Retiree Plan provides essential coverage tailored for retirees. Each plan includes health benefits, travel insurance, prescription drug coverage, and optional dental care. Each benefit module has three levels of coverage to choose from, offering 36 possible plan combinations to fit different budgets, health and wellness goals, and lifestyles. 

Core Health Benefits: 

✔ Hospital accommodations
✔ Vision care (eye exams, glasses, and more)
✔ Ambulance services 

✔ Mental wellness benefits (access to counselling, online resources, and more)
✔ Virtual Care
✔ Mobility aids and walkers
✔ Accidental dental 

Travel Benefits: 

Travel coverage is as a core offering within the health benefits, with coverage for a minimum of 30 days per trip and up to $5 million for emergency medical services. The level of travel coverage matches the coverage level selected for core health. 

Prescription Drug Benefits: 

Prescription drug coverage is included in all plans, with flexibility in choice based on individual needs. There are three coverage levels to choose from, with varying benefit maximums and the option to select coverage for medications that extends beyond drugs listed on the Saskatchewan Drug Plan Formulary. 

Dental Benefits (optional): 

The dental portion of the plan is an optional benefit that supports affordability and flexibility.

Full Plan Details

You’ve reached the retirement milestone, congratulations! Our Retiree Plan is designed to support you through this important and exciting transition. Coverage must begin within 90 days of your group benefits ending and the Retiree Plan offers no interruption in coverage, no waiting periods, and no medical review. 

Designed with flexibility in mind, the Retiree Plan allows you to tailor your coverage to match your lifestyle, health goals, and budget—making your transition into retirement simple and stress-free.

Are you ready to design a Personal Health Plan that fits your needs and lifestyle? Apply today! 

If you'd like to apply for the Retiree Plan, you can apply online or contact our Member Experience team at 1-800-667-5853. 

Yes, the Retiree Plan is a guaranteed acceptance plan that provides coverage for essential health needs that retirees may not secure elsewhere. Upon application, there is no medical questionnaire, with guaranteed coverage.  

A 90-day stability clause applies to emergency medical travel coverage. This means that there is no travel coverage for medical conditions that are not stable for the 90 days before your trip’s start date.