We offer personal health plans to help supplement your provincially covered health insurance.
Our basic plan provides you with the health benefits that make sure you get the care you need, when you need it.
You can also add to your core benefits by choosing from our list of Custom Options, including dental, prescription drugs, travel and life insurance to create your personal customized plan.
If you are leaving an Employer Benefits Plan contact us for specific Conversion Plan details which are different from those set out below and to discuss your options.
- Private Duty Nursing
- Accidental Dental
- Medical Equipment
- Hearing Aids
- Prosthetic and Medical Appliances
- Breast Prosthesis
- Diabetic Supplies
- Diabetic Equipment
- Ostomy Supplies
- Health Practitioners
- Orthopaedic Shoes and Supplies
- Blood Pressure Monitors
- Mobility Aids
- Vision Care
- Out-of-Province Referral Services
- Out of Saskatchewan/In Canada Travel
- Funeral Expenses (age 65 and over)
- Accidental Death & Dismemberment (under age 65)
Unlimited emergency trips to hospital
Effective January 1, 2020: Charges for ambulance services required to transport an Insured patient to their home residence, or another Hospital for continuing care, when ordered by an attending Physician following emergency Hospital treatment, payable at fifty percent (50%).
Effective January 1, 2020: Charges for ambulance services that do not result in the transport of an Insured patient to a Hospital, payable at fifty percent (50%).
Ambulance benefit details
Charges for Emergency ambulance services, including Saskatchewan Air Ambulance within Saskatchewan, required to transport an Insured stretcher patient to the nearest Saskatchewan Hospital to provide the required treatment as an Inpatient following a serious accidental Injury or sudden attack of a serious illness. The services must be provided by an ambulance licensed in Saskatchewan by a governing authority and must commence and conclude in Saskatchewan. Charges for scheduled or transfer trips or for ambulance services that do not result in the transport of an Insured patient to a Hospital are not covered.
- Preferred accommodations
- In-hospital drugs
- Maximum 30 days
Hospital benefit details
Charges for a maximum of thirty (30) days per Insured per Policy year for Preferred Hospital Accommodation for acute care, when requested by the Policyholder or Insured, and for Drugs not covered by the Saskatchewan Drug Plan and dispensed to an Insured while an In-patient in the Hospital.
3. Private Duty Nursing
- 80% up to a maximum of $5,000
Private Duty Nursing benefit details
Services of a Private Duty Nurse where the services (excluding palliative and respite care) have been ordered by the attending Physician for an Inpatient as well as in the home of the Insured (excluding nursing homes), for care consistent with the diagnosis and treatment of the condition of the Insured, immediately following discharge from the Hospital. Saskatchewan Blue Cross will reimburse the Insured for eighty percent (80%) of the cost to a maximum of $5,000 per Insured per Policy year.
4. Accidental Dental
- Unlimited coverage for accidental damage to natural teeth
Accidental Dental benefit details
Charges for dental treatment when natural teeth have been damaged by a direct, accidental blow to the mouth (but not by an object wittingly or unwittingly placed in the mouth) or a fractured or dislocated jaw requiring setting. This dental treatment must be rendered or reported and approved for payment by Saskatchewan Blue Cross within six (6) months of the Accident. Eligible Expenses will be the Dentist’s Usual and Customary fee up to the current Dental Fee Guide for general practitioners in effect in Saskatchewan. Dental services in excess of $500 require pre-approval by Saskatchewan Blue Cross.
5. Medical Equipment
- Purchase or rental of a wheelchair and/or hospital bed to a maximum of $500
- Purchase or rental of a patient walker to a maximum of $300
- Purchase or rental of oxygen equipment to a maximum of $500
- Combined lifetime maximum is $1500
Medical Equipment benefit details
Charges for the purchase or rental of a wheelchair and/or hospital bed to a lifetime maximum of $500 per Insured.
Charges for the purchase or rental of a patient walker to a lifetime maximum of $300 per Insured.
Charges for the rental of equipment for the administration of oxygen on the written authorization of a Physician to a maximum of $500 per Insured per Policy year.
Replacement or repairs are not covered.
The combined lifetime maximum for all Medical Equipment is $1,500 per Insured.
6. 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
Hearing Aids benefit details
Following a period of 12 months from the effective date of coverage, charges for hearing aids (excluding batteries) are eligible to a maximum of $800 per Policyholder and/or Spouse in a five (5) year period.
Dependent children are eligible for 2 hearing aids (one for each ear) to a maximum of $800 per hearing aid per Dependent child in a three (3) year period.
Hearing aids must be prescribed, tested and fitted by an otologist, clinical audiologist or board certified hearing instrument specialist.
Replacement or repairs are not covered.
7. Prosthetic and Medical Appliances
- Artificial eyes, limbs, crutches, casts, braces, wigs, etc.
Prosthetic and Medical Appliances benefit details
- Charges for the following appliances or supplies: 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 when prescribed by a Physician and required for medically necessary purposes on a daily basis.
- Charges for the purchase of wigs when prescribed by a Physician and required as a result of illness, Injury, or a medical condition, up to $250 per Insured per Policy year.
- Charges for the purchase of breast prostheses once in any twenty-four (24) month period.
8. Breast Prosthesis
- Unlimited, one in a 24-month period
9. Diabetic Supplies
- Unlimited coverage
Diabetic Supplies benefit details
Charges for needles, swabs, syringes, test strips and lancets, in a quantity prescribed by a Physician and deemed reasonable by Saskatchewan Blue Cross.
10. Diabetic Equipment
- 80% up to $500
Diabetic Equipment benefit details
Charges for poking devices and glucose meters (or equipment approved by Saskatchewan Blue Cross that performs similar functions) used for the treatment and control of diabetes, payable at eighty percent (80%) up to $500 per Insured in a five (5) year period.
11. Ostomy Supplies
- Unlimited coverage
Ostomy Supplies benefit details
Charges for ostomy supplies as recommended by a Physician for non-hospital treatment, which may or may not include skin barrier protectors, ostomy pouches, deodorizer, stoma paste, cleaning supplies, tubing, and tourniquets.
12. Health Practitioners
- Up to $400 per specialty for:
- physiotherapist/athletic therapist
- registered massage therapist
- clinical psychologist/counsellor/social worker
- speech-language pathologist
Health Practitioners benefit details
Charges for diagnosis or treatment by a licensed chiropodist/podiatrist, physiotherapist/athletic therapist, chiropractor, clinical psychologist/counsellor/social worker, registered massage therapist, naturopath, acupuncturist or speech-language pathologist, except when performed in a Hospital up to $400 per Insured per Policy year for each type of practitioner. A Physician referral may be required for the services of a registered massage therapist.
13. Orthopaedic Shoes and Supplies
- 80% coverage up to $200
Orthopaedic Shoes and Supplies benefit details
Charges for the purchase, repair or replacement of orthopaedic shoes and modification supplies (which may include scaphoid pads, torque heels, insoles, metatarsal pads and moulded arch supports) when prescribed by an orthopaedic surgeon, physiatrist, rheumatologist or chiropodist/podiatrist and custom built and supplied by a certified pedorthist, orthotist or chiropodist/podiatrist, payable at eighty percent (80%) up to $200 per Insured per Policy year.
14. Blood Pressure Monitors
- Once in a 5 year period
Blood Pressure Monitors benefit details
Charges for the purchase or rental of a blood pressure monitor on the written authorization of a Physician, once in a five (5) year period.
15. Mobility Aids
Mobility Aids benefit details
Charges for the purchase of bathroom rails, bath seats, raised toilet seats or reachers on the written authorization of a Physician.
16. 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
Vision Care benefit details
Charges for one eye examination, including eye refractions, performed by a licensed optometrist or ophthalmologist up to $100 per Insured once in any twenty four (24) month period. Charges for prescription eyewear or laser eye surgery up to $150 per Insured once in any twenty four (24) month period.
17. Out-of-Province Referral Services
- Lifetime maximum of $50,000 for pre-approved medical services not available in Saskatchewan
18. Out of Saskatchewan (within Canada) Emergency Services
- Unlimited coverage of emergency hospital and medical
19. Funeral Expenses (age 65 and over)
- Up to $4,000 when death is accidental
20. Accidental Death & Dismemberment (under age 65)
- Maximum amount payable: $25,000 for policyholder and/or spouse; $5,000 for each dependent child