Business Select®
Your team plays an important role in your success, and the right benefits plan matters. Designed for Saskatchewan businesses with 3–49 employees, Business Select offers flexible group benefits with a streamlined digital experience.
Explore your options, get a quote and set up your plan in just a few clicks.
Invest In Your People. Strengthen Your Business.
Your employees are one of your greatest investments. A comprehensive group benefits plan helps attract and retain talent, support employee wellbeing, improve productivity, and give your team peace of mind.
Support Employee Health & Wellbeing
Attract & Retain Top Talent
Build a Stronger Workforce
Small Business Benefits, Made Simple
Explore your options, get covered and enrol your employees, all online in just a few clicks.
Tell Us About Your Business
Share a few details about your business and your team.
Explore Your Options
Compare coverage levels and benefits to build a plan that works for your business.
Get a Quote
Build your plan and receive your customized quote in real time.GET A QUOTE
Get Covered
Complete your application online and enrol your employees digitally.
Business Select
Flexible coverage options that make it easy to build a benefits plan that works for your business and your employees.
Designed to grow with your business.
Build Your Plan
Choose from three coverage levels for Health, Dental, Life & AD&D, and Dependent Life Insurance. Customize your plan with a suite of optional benefits: Short-Term Disability, Long-Term Disability, Critical Illness, and a Health Spending Account.
BasicClassicEnhancedIncluded With Every Plan
60-day travel coverage
Virtual Care & EFAP
Second Opinion®BUSINESS SELECT | PLAN DETAILS
Explore Plan Benefits
Compare Basic, Classic and Enhanced coverage. Choose a benefit and expand for further details.
Comprehensive
Flexible
Core Benefits (Required)
View required benefits and coverage details
Health Care Benefits
In-Canada benefits only; maximums are per insured, per calendar year (CY), and coinsurance amounts are based on coverage tier, unless otherwise indicated.
| Health Care Benefits | Basic 70% reimbursement | Classic 80% reimbursement | Enhanced 90% reimbursement |
|---|
| Termination age | Earlier of member’s retirement or age 80, unless otherwise indicated | ||
|---|---|---|---|
| Survivor benefit (applies to Health & Dental only) | 24 months | ||
Health Benefits
| Accidental dental | $2,000 | ||
|---|---|---|---|
| Ambulance | Unlimited ground and air transportation | ||
| Blood pressure monitor | One monitor per five CY | ||
| Braces | $500 | ||
| Breast prosthesis | One prosthesis per side per two CY | ||
| Cardiac rehabilitation | $300 per lifetime | ||
| Compression garments | $500 combined | ||
| Compression stockings | Four pairs | ||
| Diabetic equipment | $500 combined per five CY | ||
| Emergency medical travel | 100% up to $5,000,000 / 60 days per trip | ||
| Hearing aids | Adults: $500 combined per five CY. Dependent children: one per ear up to $500 each per five CY. |
Adults: $500 combined per three CY. Dependent children: one per ear up to $500 each per three CY. |
Adults: $800 combined per three CY. Dependent children: one per ear up to $800 each per three CY. |
| Holding chambers / nebulizers | $200 combined | ||
| Hospital bed | $3,000 per five CY | ||
| Mastectomy bras | Two bras | ||
| Mobility aids | $500 | ||
| Orthopaedic shoes and foot orthotics | Adults: one pair per three CY / Dependent children: one pair per CY |
||
| Orthopaedic support devices | $500 combined | ||
| Ostomy supplies | $2,000 | ||
| Out-of-province referral | $50,000 per treatment / $100,000 per lifetime | ||
| Oxygen supplies | $1,500 combined | ||
| PAP accessories | $500 combined | ||
| PAP device | One device up to $2,500 per three CY | ||
| Preferred hospital accommodations | Unlimited private or semi-private accommodations | ||
| Private duty nursing | $10,000 | ||
| Prosthetic appliances | $10,000 combined per five CY | ||
| Prosthetic hair / wig | $500 | ||
| Second Opinion® services | Included in all plans; terminates at the earlier of member’s retirement or age 70 | ||
| Virtual Care | Included in all plans | ||
| Walker / rollator | $350 combined per three CY | ||
| Wheelchair / scooter | $2,000 combined per five CY | ||
Paramedical Services
| Health Practitioners | $500 combined | $350 per practitioner grouping | $500 per practitioner grouping |
|---|
Health Practitioners include:
Acupuncturist, audiologist, chiropodist/podiatrist, chiropractor,
dietitian, naturopath/homeopath, occupational therapist, osteopath,
physiotherapist/athletic therapist, registered massage therapist/reflexologist,
and speech language pathologist.
Mental Wellness Benefits
| Counselling services – clinical psychologist, counsellor, registered social worker | $500 combined | $500 combined | $750 combined |
|---|---|---|---|
| Employee & Family Assistance Program | Included in all plans | ||
Vision Care
| Eye exams | Adults: $225 combined per two CY. Dependent children: $225 per CY. |
Adults: $125 per two CY. Dependent children: $125 per CY. |
Adults: $125 per two CY. Dependent children: $125 per CY. |
|---|---|---|---|
| Prescription eyewear / contact lenses / laser eye surgery | Adults: $225 combined per two CY. Dependent children: $225 combined per CY. |
Adults: $200 per two CY. Dependent children: $200 per CY. |
Adults: $300 per two CY. Dependent children: $300 per CY. |
Prescription Drug
| Coverage details | Reimbursement: 80% / Generic substitution. Includes drugs listed on the Saskatchewan Blue Cross Formulary. | ||
|---|---|---|---|
| Prescription drugs & diabetic supplies | $3,000 combined | $5,000 combined | $10,000 combined |
| Fertility drugs | Not included | $5,000 per lifetime | |
| Smoking cessation drugs | $300 per lifetime | ||
†Saskatchewan Blue Cross Formulary refers to the list of approved prescription drugs, including Saskatchewan Drug Plan Formulary drugs and an expanded list of other drugs.
Dental Benefits
| Dental Benefits | Basic | Classic | Enhanced |
|---|
| Termination age | Earlier of member’s retirement or age 80, unless otherwise indicated | ||
|---|---|---|---|
| Survivor benefit (applies to Health & Dental only) | 24 months | ||
| Basic Dental Checkups, cleanings, fillings, extractions, root canals, periodontics and more. |
80% up to $750 | Basic: 80% | Major: 50% $1,000 combined |
Basic: 80% | Major: 50% $1,500 combined |
| Major Dental Crowns, bridges, dentures and more. |
Not included | ||
| Orthodontics | Not included | Not included | Dependent children under 18: 50% up to $2,000 per lifetime |
Life, Accidental Death & Dismemberment (AD&D), and Dependent Life
| Life, AD&D and Dependent Life Benefits | Basic | Classic | Enhanced |
|---|
Employee Life and Employee AD&D
| Coverage details | Coverage amounts and volumes are per benefit (Employee Life or Employee AD&D), not combined. | ||
|---|---|---|---|
| Coverage | $25,000 | $50,000 | 100% of annual salary |
| Coverage without medical evidence | $25,000 | $50,000 | 3–9 employees: $115,000 | 10+ employees: $150,000 |
| Maximum | $25,000 | $50,000 | $150,000 |
| Termination age | Earlier of member’s retirement or age 70 with a 50% reduction at age 65 | ||
Dependent Life
| Coverage | Spouse: $5,000 | Child: $2,500 |
Spouse: $5,000 | Child: $2,500 |
Spouse: $10,000 | Child: $5,000 |
|---|---|---|---|
| Termination age | Earlier of member’s retirement or age 70. | ||
Protection Plus
Included in all groups with 11+ employees.
What it offers:
Optional, employee-paid Life, AD&D and Critical Illness coverage at group rates, with no cost to your business.
Portable if employees leave.
Learn more
| Coverage without medical evidence | Up to set limits within 31 days of your plan start, an employee’s group benefits effective date or a qualifying life event. | ||
|---|---|---|---|
Custom Options
Explore additional plan enhancements
Critical Illness
| Critical Illness | Basic | Classic | Enhanced |
|---|
| Employee coverage | $10,000 | $25,000 | $50,000 |
|---|---|---|---|
| Family coverage | Spouse: $2,000 | Dependent: $1,000 | Spouse: $5,000 | Dependent: $2,500 | Spouse: $10,000 | Dependent: $5,000 |
| Termination age | Coverage remains in effect until retirement or age 65. | ||
Short-Term Disability
| Short-Term Disability | Basic | Classic | Enhanced |
|---|
| Weekly benefit | 66.67% of earnings up to $800 | 66.67% of earnings up to $1,000 | 66.67% of earnings up to $1,200 |
|---|---|---|---|
| Waiting period | Accident or hospital stay: none | Illness: seven days |
||
| Benefits paid for | Up to 17 weeks | ||
| Termination age | Coverage remains in effect until retirement or age 65. | ||
Long-Term Disability
| Long-Term Disability | Basic | Classic | Enhanced |
|---|
| Monthly benefit | 66.67% for the first $2,500 of monthly earnings, plus 55% of the rest | ||
|---|---|---|---|
| Maximum | Up to $8,500 | ||
| Waiting period | 119 days | ||
| Coverage without medical evidence | 3–9 employees: up to $3,500 10–24 employees: up to $5,000 25–49 employees: up to $6,500 |
||
| Benefits paid for | Up to two years | Up to five years | Up to age 65 |
| Termination age | Coverage remains in effect until retirement or age 65. | ||
Health Spending Account
| Health Spending Account |
|---|
| Annual credit allocation — available in increments of $100 | Minimum | $100 per employee | |
|---|---|---|---|
| Maximum | $10,000 per employee | ||
| Administration Fee | 10% | ||
| Termination age | Earlier of member’s retirement or age 80. | ||
Ready to find the right coverage for your business?
Purpose-Built for Saskatchewan Small Businesses
People-first support, flexible benefits, and local expertise designed to support you, your employees and your business.
- Comprehensive coverage, simplified: Every plan includes Health benefits, prescription drugs, emergency medical travel coverage, Employee & Family Assistance Program, Virtual Care, Second Opinion®, Dental, Employee Life Insurance, Accidental Death & Dismemberment and Dependent Life. Choose from three coverage levels: Basic, Classic or Enhanced.
- Flexible: Customize your plan further with optional benefits, including Short- and Long-Term Disability, Critical Illness and a Health Spending Account. Create a personalized plan that best suits the needs of your team
- Predictable pricing: Designed to help keep costs stable through fully pooled renewals, built-in cost containment and flexible plan options.
- Digital from start to finish: From quote to getting covered, digital tools put everything at your fingertips, allowing you to manage your plan with ease.
- Rooted in Saskatchewan: Local people. Local expertise. As Saskatchewan’s health and benefits partner, Saskatchewan Blue Cross understands the unique needs of local employers and communities
Benefits Beyond Coverage
Because a great benefits plan goes beyond coverage. Get added support, savings, and convenient digital tools designed to make benefits better for you and your employees.
Virtual Care & Employee and Family Assistance Program (EFAP)
Included with every plan, in collaboration with Homewood Health and Cleveland Clinic Canada.
Employee Family Assistance Program (EFAP)
Through Homewood Health, employees have access to confidential, professional support for a range of personal, family, mental health and wellness needs. Support is available by telephone, in person and online.
Virtual Care
Through Cleveland Clinic Express Care Online (ECO), employees can connect virtually with a nurse practitioner for non-emergency medical concerns, including diagnosis and prescriptions when appropriate. Employees can access virtual care as often as needed.
Blue Advantage®
Being a Saskatchewan Blue Cross member comes with added perks. Blue Advantage gives your employees access to exclusive savings on health and wellness products and services from participating providers across Canada, including dental, vision, pharmacy, fitness and wellness, hearing, medical equipment and more.
Simply present your Blue Cross ID card at a participating provider to access your savings.
Explore participating providers and available discounts below.
Benefits at Your Fingertips
Digital tools make managing benefits simpler for everyone. From getting a quote and setting up your plan to employee enrolment and ongoing administration, you can manage it all online. All while employees can easily submit and track claims, access digital ID cards, review coverage and more, all at their fingertips.
Tools
Employer Resources
Check out the resources available to plan sponsors and administrators of workplace benefits plans.
Employee Onboarding
Getting started with a workplace benefits plan is simple. Your employees will have access to a comprehensive guide to getting started.
Our Blog
Your guide to small business benefits. Explore the basics of small business benefits and what to consider when building a plan for your team.
FAQS
Who can apply for Business Select®?
Business Select is available for businesses with a head office in Saskatchewan, 3–49 eligible employees and at least six months of operating history. Simply verify your business’ eligibility by getting a quote online or contacting your advisor.
Can my employees cover their family members?
Yes. Business Select includes coverage for eligible spouses, partners, and children, helping employers provide benefits that support both employees and their families.
Can I choose the level of coverage?
Yes. Business Select is designed to provide flexibility without complexity. Choose from three coverage levels, each offering a different balance of coverage and cost, and enhance your plan with optional benefits to meet the unique needs of your workforce.
How long is a quote valid for?
Business Select quotes are valid for 30 days from the date they are issued.
Can I get more than one quote?
Yes. You can create multiple quotes allowing you to explore different plan combinations and pricing options, helping you find the right fit for your business.
When you’re ready to apply, select your preferred quote and begin the application process.
Can I apply online?
Yes. After completing a quote, you can seamlessly continue to the online application through our secure digital tool. Key information from the quote carries forward into the application, creating a more efficient experience with less manual entry and paperwork.
This streamlined process helps employers move from quote to coverage quickly and confidently.
Insurance solutions for companies of all sizes
Explore our custom workplace benefits plans
Group benefits customized to you
Create a fully customized employee benefits plan that meets the needs of your organization, whether you’re a team of 50 or of thousands.
Group benefits for entrepreneurs
Have less than three employees? Personal Health Insurance plans are an affordable option to take care of your team’s healthcare needs.
Managing health coverage has never been easier.
Members can manage your group benefits plan using the Saskatchewan Blue Cross Member Portal or Member App. You’ll enjoy convenient claiming, quick reimbursement direct to your bank account, plus access to details including plan maximums, coverage limitations, and plan usage.
Get the SK Blue Cross Member App
.
The SK Blue Cross Member App supports devices operating on the following operating systems: Apple iOS: Version 15.4 and higher. Android: Version 10 and higher.
*This website contains an overview of Business Select® Group Plans offered by Saskatchewan Blue Cross. It is not intended as a contract or policy, nor a complete description of all benefits. Saskatchewan Blue Cross products are underwritten by a variety of underwriters. For more information, visit sk.bluecross.ca/underwriting.