Guaranteed Acceptance plan
The Guaranteed Acceptance plan offers total health coverage – without being affected by your medical history. Guaranteed Acceptance provides core health benefits, prescription drugs, dental, VIP travel, and optional Student Accident coverage.
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Accidental death & dismemberment (under age 65)
- Maximum amount payable: $25,000 for policyholder and/or spouse; $5,000 for each dependent child
- 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.
- 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.
- Unlimited, one in a 24-month period
- Pay-direct dental services
- No waiting period
- Coverage details:
- Basic dental services: 80% to a maximum of $1500
- Major dental services: 50% to a maximum of $1500
Dental additional details
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
Diabetic supplies and equipment
- Up to $500 combined
Diabetic supplies and equipment 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.
Charges for poking devices, glucose meters, or other equipment approved by Saskatchewan Blue Cross used for the Treatment and control of diabetes.
The combined maximum for diabetic supplies and equipment is $500 per Insured per Policy year.
Funeral expenses (age 65 and over)
- Up to $4,000 when death is accidental
- Up to $300 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 acupuncturist, 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 $300 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
- Up to $800 in a 5-year period
- Up to $800 in a 3-year period for each dependent child
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.
- 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.
- Ease the financial strain of an unplanned hospital visit with hospital cash, which 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
- Purchase or rental 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
Medical equipment benefit details
Charges for the purchase of a wheelchair and/or hospital bed based on 80% of the purchase cost or 100% of the rental cost to a Lifetime Maximum of $500 per Insured.
Charges for the purchase of a patient walker based on 80% of the purchase cost or 100% of the rental cost to a Lifetime Maximum of $300 per Insured. Charges for the purchase or 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 benefit details
Charges for the purchase of bathroom rails, bath seats, raised toilet seats or reachers on the written authorization of a Physician.
- 80% coverage up to $1,500 of prescribed drugs listed in the Saskatchewan Prescription Drug Plan Formulary
- Prescription drug claims under the Guaranteed Acceptance plan must be submitted through our online Member Portal or mobile app. Pay Direct Drug Cards are not currently available with this plan.
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.
- Up to $500
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, up to $500 per Insured per Policy year.
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 $2,500
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 $2,500 per Insured per Policy year.
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.
- 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 Individual 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
For more details, please refer to your policy booklet.
- Up to $75 for one eye examination in a 24-month period
- Up to $100 for prescription eyewear 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 $75 per Insured once in any twenty four (24) month period. Charges for prescription eyewear or laser eye surgery up to $100 per Insured in a twenty four (24) month period.
- Keep your school-aged student covered year-round, even while travelling. We even cover 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
This page contains an overview of the Guaranteed Acceptance 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.