Coverage Details:

Blue Choice® plan

Overview

Whether you’re an individual, a couple or a family, the Blue Choice® plan is designed with you in mind. With 20 core benefits and seven customizable options, Blue Choice offers the flexibility you need at an affordable cost.

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Basic coverage

Accidental death & dismemberment (under age 65)

  • Maximum amount payable: $25,000 for policyholder and/or spouse; $5,000 for each dependent child

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 limited 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.

Ambulance

  • Unlimited emergency trips to hospital
  • 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%).
  • 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 air ambulance within Saskatchewan, required to transport an Insured stretcher patient to the nearest Hospital equipped to provide necessary Treatment following a serious accidental Injury or sudden attack of a serious illness. The services must be provided by a licensed ambulance and must commence in Saskatchewan. Charges for emergency ambulance services that do not result in the transport of an Insured patient to a Hospital, payable at fifty percent (50%). Charges for ambulance services required to transport an Insured patient to their home residence, or another Hospital for continuing care, when ordered by the treating Hospital Physician as medically necessary following emergency Hospital Treatment, payable at fifty percent (50%). Documentation to support the order and medical necessity will be required. Charges for ambulance services that transport an Insured patient to and from Hospitals, Physician’s offices, laboratories or medical clinics for scheduled care are not covered.

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.

Breast prosthesis

  • Unlimited, one in a 24-month period
Breast prosthesis benefit details

Charges for the purchase of breast prostheses once in any twenty-four (24) month period.

Diabetic equipment

  • 80% up to $500
Diabetic equipment benefit details

Charges for poking devices, glucose meters, or other equipment approved by Saskatchewan Blue Cross used for the Treatment and control of diabetes, payable at eighty percent (80%) up to $500 per Insured in a five (5) year period.

Diabetic supplies

  • Unlimited coverage
Diabetic supplies benefit details

Charges for needles, swabs, syringes, test strips and lancets, or other supplies approved by Saskatchewan Blue Cross in a quantity prescribed by a Physician and deemed reasonable by Saskatchewan Blue Cross.

Funeral expenses (age 65 and over)

  • Up to $4,000 when death is accidental

Health practitioners

  • Up to $400 per specialty for acupuncturist, chiropodist/podiatrist, chiropractor, massage therapist, naturopath, physiotherapist/athletic therapist, psychologist/counsellor/social worker, speech-language pathologist
Health practitioners benefit details

Charges for diagnosis or treatment by a licensed or Saskatchewan Blue Cross approved chiropodist/podiatrist1, chiropractor, massage therapist, naturopath, physiotherapist/athletic therapist2, psychologist/counsellor/social worker3, or speech-language pathologist, except when performed in a Hospital, up to $400 per Insured per Policy year for each type of practitioner or combined group. A Physician referral may be required for the services of a registered massage therapist.

1Chiropodists and podiatrists share a combined benefit maximum

2Physiotherapists and athletic therapists share a combined benefit maximum

3Psychologists, counsellors and social workers share a combined benefit maximum

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.

Hospital

  • 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.

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.

The combined Lifetime Maximum for all Medical Equipment is $1,500 per Insured.

Mobility aids

  • Unlimited
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.

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.

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.

Out-of-province referral services

  • Lifetime maximum of $50,000 for pre-approved medical services not available in Saskatchewan

Out-of-Saskatchewan (within Canada) emergency services

  • Unlimited coverage of emergency hospital and medical

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 In-patient as well as in the home of the Insured (excluding nursing homes), for care consistent with the diagnosis and Treatment of the Medical 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.

Prosthetic and medical appliances

  • Artificial eyes, limbs, crutches, casts, braces, wigs, etc.
Prosthetic and medical appliances benefit details

Prosthetic and medical appliances benefit details

Charges for the following appliances or supplies when prescribed by a Physician and required for medically necessary purposes on a daily basis: 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 twenty-four (24) month period.

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 in a twenty four (24) month period.

Custom options

Dental

  • Have the healthy smile you want without the added expense. Get your dental coverage early, before you require intensive dental work.
  • Pay-direct dental services
  • Coverage details:
    • After 3 months:
      • Basic dental services: 75% to a maximum of $750
    • After 1 year:
      • Basic dental services: 80% to a maximum of $1000
      • Major dental services: 50% to a maximum of $1000
    • After 2 years or more:
      • Basic dental services: 80% to a maximum of $1500
      • Major dental services: 50% to a maximum of $1500
Dental benefit details
  • Dental benefits are subject to a 3-month waiting period
  • Basic dental services include procedures such as examinations, x-rays, tests, cleaning, fillings, root canals, oral surgery, denture repairs, etc.
  • Major dental services include inlays, onlays, crowns, dentures, bridges, and some orthodontic services

Hospital cash

  • Ease the financial strain of an unplanned hospital visit
  • Provides financial help to meet expenses due to hospitalization
  • Coverage details:
    • 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

Prescription drugs

  • Make sure you don’t have to worry about the cost of prescriptions you may need in the future.
  • 80% coverage of prescribed drugs listed in the Saskatchewan Prescription Drug Plan Formulary
  • Contraceptives included
  • Unlimited coverage
  • Convenient pharmacy-direct payment

Student accident

  • Keep your school-aged student covered year-round, even while travelling
  • Includes tutoring in the event that your child is unable to attend school because of an accident
  • Year-round accident coverage for students
  • Out-of-province treatment and special treatment travel expense
  • Dread disease, confinement, and rehabilitation
  • Fracture and dislocation indemnity
  • Travel accident emergency expenses
  • Total and permanent disability
  • Tutorial benefit
  • Optional Double-Up Indemnity Insurance for accidental dismemberment and for total and permanent disability

VIP Travel

  • Take as many trips as you like, and enjoy travel insurance coverage up to 30 days per trip, anywhere outside of Saskatchewan. If you’re going away for more than 30 days top it up with our Daily Travel Insurance.
  • Coverage up to 30 consecutive days per trip with no limit on the number of trips
  • $5 million in emergency hospital and health benefits while travelling outside of Saskatchewan, with no deductible
  • Travel Assistance is available 24 hours a day, 365 days a year
  • $100,000 in air flight and common carrier accident insurance
  • Up to $1,000 for trip interruption
  • Up to $1,000 for baggage and personal effects
  • Up to $1,500 for meals and accommodations if trip is delayed due to injury or health issues

Notice

This page contains an overview of the Blue Choice® Personal Health Plan offered by Saskatchewan Blue Cross. This is not a contract or policy, nor a complete description of all benefits. Critical Illness, Accidental Death & Dismemberment, Term Life and Student Accident & Life benefits are underwritten by Blue Cross Life Insurance Company of Canada®, an independent licensee of the Canadian Association of Blue Cross Plans.