Compare personal health insurance plans

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

Core Health Benefits Icon/UI/plus-circle

Blue Choice®

Conversion

Which plan is right for you?

Blue Choice®

  • Blue Choice® is designed with customization in mind. This plan is perfect for individuals, couples and families alike.
  • Your application for this plan requires you to submit a health questionnaire. Your answers to the questionnaire will help us determine the specifics of your health coverage.

Conversion

  • The Conversion plan is perfect for those leaving an employer benefits plan. This plan provides the opportunity to convert your health benefits plan and offers guaranteed coverage with no interruptions.
  • To be eligible for the Conversion plan, you must apply within 60 days of your current coverage end date.
  • This plan does not require a health questionnaire, so your benefits won’t be affected by any pre-existing health conditions.

Accidental death & dismemberment (under age 65)

Blue Choice®

Up to $25,000 for policyholder and/or spouse; $5000 for each dependent child

Conversion

Up to $25,000 for policyholder and/or spouse; $5000 for each dependent child

Accidental dental

Blue Choice®

Unlimited coverage for accidental damage to natural teeth

 

Conversion

Unlimited coverage for accidental damage to natural teeth

Ambulance

Blue Choice®

Unlimited emergency trips to 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.

Conversion

Unlimited emergency trips to 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

Blue Choice®

One in a 5-year period

Conversion

One in a 5-year period

Breast prosthesis

Blue Choice®

Unlimited, one in a 24-month period

 

Conversion

Unlimited, one in a 24-month period

Diabetic supplies & equipment

Blue Choice®

  • Supplies: Unlimited coverage
  • Equipment: 80% to $500

 

Conversion

Up to $500 combined

Funeral expenses (age 65 and over)

Blue Choice®

Up to $4000 when death is accidental

Conversion

Up to $4000 when death is accidental

Health practitioners

Blue Choice®

Up to $400 per specialty for chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist/counsellor/social worker, naturopath, speech language pathologist and acupuncturist

 

Conversion

Up to $300 per specialty for chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist/counsellor/social worker, naturopath, speech language pathologist and acupuncturist

Hearing aids

Blue Choice®

  • Up to $800 in a 5-year period
  • Up to $800 in a 3-year period for each dependent child
  • 12-month waiting period

 

 

Conversion

  • Up to $800 in a 5-year period
  • Up to $800 in a 3-year period for each dependent child
  • 12-month waiting period

Hospital

Blue Choice®

  • Preferred accommodations
  • In hospital drugs
  • Maximum 30 days

Conversion

  • Preferred accommodations
  • In hospital drugs
  • Maximum 30 days

Medical equipment

Blue Choice®

  • 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

 

Conversion

  •  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

Mobility aids

Blue Choice®

Unlimited

Conversion

Unlimited

Orthopaedic shoes & supplies

Blue Choice®

80% to $200

Conversion

80% to $200

Ostomy supplies

Blue Choice®

Unlimited

 

Conversion

Up to $500

Out-of-province referral services

Blue Choice®

Lifetime maximum of $50,000 for pre-approved medical services

Conversion

Lifetime maximum of $50,000 for pre-approved medical services

Out-of-Saskatchewan (within Canada) emergency services

Blue Choice®

Unlimited

Conversion

Unlimited

Private duty nursing

Blue Choice®

80% up to $5000

Conversion

80% up to $2500

Prosthetic & medical appliances

Blue Choice®

Artificial eyes, limbs, crutches, casts, braces, wigs, etc

Conversion

Artificial eyes, limbs, crutches, casts, braces, wigs, etc

Vision care

Blue Choice®

  • 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

Conversion

  • Up to $75 for one eye examination in a 24-month period
  • Up to $100 for prescription eyewear in a 24-month period
Optional Health benefits Icon/UI/plus-circle

Blue Choice®

Conversion

Critical illness (under age 65)

Blue Choice®

  • Policyholder
    • Level 1: $10,000
    • Level 2: $25,000
  • Spouse
    • Level 1: $10,000
    • Level 2: $25,000
  • Dependent children
    • Level 1: $5,000
    • Level 2: $10,000

Eligible Conditions: severe heart attack, severe stroke, life-threatening cancer, Alzheimer’s disease, coma, major organ failure, major organ failure requiring transplant, motor neurone disease, paralysis, senile dementia, blindness, deafness, loss of speech, Multiple Sclerosis, Parkinson’s disease, severe burns.

Conversion

  • Policyholder
    • Level 1: $10,000
    • Level 2: $25,000
  • Spouse
    • Level 1: $10,000
    • Level 2: $25,000
  • Dependent children
    • Level 1: $5,000
    • Level 2: $10,000

Eligible Conditions: severe heart attack, severe stroke, life-threatening cancer, Alzheimer’s disease, coma, major organ failure, major organ failure requiring transplant, motor neurone disease, paralysis, senile dementia, blindness, deafness, loss of speech, Multiple Sclerosis, Parkinson’s disease, severe burns.

Dental

Blue Choice®

After 3 months

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

After 1 year

  • Basic dental services: 80% to a maximum of $1,000
  • Major dental services: 50% to a maximum of $1,000

After 2+ years

  • Basic dental services: 80% to a maximum of $1,500
  • Major dental services: 50% to a maximum of $1,500
  • 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

Conversion

After 3 months

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

After 1 year

  • Basic dental services: 80% to a maximum of $1,000
  • Major dental services: 50% to a maximum of $1,000

After 2+ years

  • Basic dental services: 80% to a maximum of $1,500
  • Major dental services: 50% to a maximum of $1,500
  • 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

Dental waiting period

Blue Choice®

3-month waiting period

Conversion

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.

Hospital cash

Blue Choice®

  • 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

Conversion

  • 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

Blue Choice®

  • 80% unlimited
  • Pay Direct Card

*For prescribed drugs listed in the Saskatchewan Prescription Drug Plan Formulary

Conversion

  • 80% to $500 OR
  • 80% to $1500

*For prescribed drugs listed in the Saskatchewan Prescription Drug Plan Formulary

Student accident

Blue Choice®

  • Special benefit for out-of-province treatment
  • Dread disease benefit
  • Rehabilitation benefit
  • Fracture and dislocation indemnity
  • Confinement benefit
  • Tutorial benefit
  • Special treatment travel expense
  • Travel accident emergency expense
  • Total and permanent disability
  • Optional Life Insurance
  • Optional Double-Up feature

Conversion

  • Special benefit for out-of-province treatment
  • Dread disease benefit
  • Rehabilitation benefit
  • Fracture and dislocation indemnity
  • Confinement benefit
  • Tutorial benefit
  • Special treatment travel expense
  • Travel accident emergency expense
  • Total and permanent disability
  • Optional Life Insurance
  • Optional Double-Up feature

Term life insurance

Blue Choice®

Coverage options:

  • $25,000
  • $50,000
  • $75,000
  • $100,000
  • Optional $10,000 dependent child coverage
  • Apply up to age 55
  • Renew up to age 70

Conversion

Coverage options:

  • $25,000
  • $50,000
  • $75,000
  • $100,000
  • Optional $10,000 dependent child coverage
  • Apply up to age 55
  • Renew up to age 70

VIP travel

Blue Choice®

  • 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

Conversion

  • 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

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