Complete Health

Flexible health insurance that allows you to choose the benefits that meet your needs and budget.

We can help you find a plan and benefits that suit your needs, or if you know what you're looking for get a quote.

Unlike other products on the market, Complete Health is designed to fit and grow with you.

You can mix and match coverage and add or remove members to your policy. Best of all, you can pass coverage on to your children when they leave your plan. Questions about coverage? You can compare coverage modules in the table below or give one of our agents a call, they’re always happy to help!

Call us: 1-866-492-2583

How do I know what kind of coverage I need?


	Complete Health Entry	Complete Health Essential	Complete Health Enhanced	Guaranteed Acceptance

Health Benefits



Coverage	60%	70%	80%	70%
Health Practitioners Massage Therapist	—	$55 / visit $400 / year	$70 / visit $500 / year	$300 / year
Health Practitioners Physiotherapist	$40 / visit $250 / year	$55 / visit $400 / year	$70 / visit $500 / year	$300 / year
Health Practitioners Psychologist	$55 / visit $250 / year	$80 / visit $400 / year	$95/ visit $500 / year	$300 / year
Health Practitioners Chiropractor	$40/ visit $250 / year	$55 / visit $400 / year	$70 / visit $500 / year	$300 / year
Health Practitioners Acupuncturist	—	$55 / visit $400 / year	$70 / visit $500 / year	—
Health Practitioners Dietitian	$40 / visit $250 / year	$55 / visit $400 / year	$70 / visit $500 / year	—
Health Practitioners Naturopath	—	$55 / visit $400 / year	$70 / visit $500 / year	—
Health Practitioners Audiologist	$40 / visit $250 / year	$55 / visit $400 / year	$70 / visit $500 / year	—
Health Practitioners Occupational Therapist	$40 / visit $250 / year	$55 / visit $400 / year	$70 / visit $500 / year	—
Health Practitioners Osteopath	$40 / visit $250 / year	$55 / visit $400 / year	$70 / visit $500 / year	$300 / year
Health Practitioners Podiatrist / Chiropodist	$40 / visit $250 / year	$55 / visit $400 / year	$70 / visit $500 / year	$300 / year
Health Practitioners Speech Therapist	$40 / visit $250 / year	$55 / visit $400 / year	$70 / visit $500 / year	$300 / year
Ambulance	—	$420 / year	$420 / year	70% up to $420 / year Ambulance Attendant: 70% up to $280 / year
Hearing Aids*	—	$400 / 5 years	$500 / 5 years	$350 / 5 years
Family Assistance Program	included	included	included	included
Orthotics	$150	$150	$225	$105
Vision Care*	$100 / 2 years	$150 / 2 years	$300 / 2 years	$105 / 2 years
Diabetic Supplies**	—	No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies	No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies	$2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Equipment**	—	No overall maximum	No overall maximum	$2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Nursing**	—	$3,500 / 2 years	$5,600 / 2 years	$2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Prosthetics**	—	Up to $10,000 / Lifetime	Up to $10,000 / Lifetime	$2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Accidental Dental	$7,000 / lifetime	$7,000 / lifetime	$7,000 / lifetime	70% up to $7,000 per lifetime

Health Benefits



Coverage
Complete Health Entry	60%
Complete Health Essential	70%
Complete Health Enhanced	80%
Guaranteed Acceptance	70%
Health Practitioners Massage Therapist
Complete Health Entry	—
Complete Health Essential	$55 / visit $400 / year
Complete Health Enhanced	$70 / visit $500 / year
Guaranteed Acceptance	$300 / year
Health Practitioners Physiotherapist
Complete Health Entry	$40 / visit $250 / year
Complete Health Essential	$55 / visit $400 / year
Complete Health Enhanced	$70 / visit $500 / year
Guaranteed Acceptance	$300 / year
Health Practitioners Psychologist
Complete Health Entry	$55 / visit $250 / year
Complete Health Essential	$80 / visit $400 / year
Complete Health Enhanced	$95/ visit $500 / year
Guaranteed Acceptance	$300 / year
Health Practitioners Chiropractor
Complete Health Entry	$40/ visit $250 / year
Complete Health Essential	$55 / visit $400 / year
Complete Health Enhanced	$70 / visit $500 / year
Guaranteed Acceptance	$300 / year
Health Practitioners Acupuncturist
Complete Health Entry	—
Complete Health Essential	$55 / visit $400 / year
Complete Health Enhanced	$70 / visit $500 / year
Guaranteed Acceptance	—
Health Practitioners Dietitian
Complete Health Entry	$40 / visit $250 / year
Complete Health Essential	$55 / visit $400 / year
Complete Health Enhanced	$70 / visit $500 / year
Guaranteed Acceptance	—
Health Practitioners Naturopath
Complete Health Entry	—
Complete Health Essential	$55 / visit $400 / year
Complete Health Enhanced	$70 / visit $500 / year
Guaranteed Acceptance	—
Health Practitioners Audiologist
Complete Health Entry	$40 / visit $250 / year
Complete Health Essential	$55 / visit $400 / year
Complete Health Enhanced	$70 / visit $500 / year
Guaranteed Acceptance	—
Health Practitioners Occupational Therapist
Complete Health Entry	$40 / visit $250 / year
Complete Health Essential	$55 / visit $400 / year
Complete Health Enhanced	$70 / visit $500 / year
Guaranteed Acceptance	—
Health Practitioners Osteopath
Complete Health Entry	$40 / visit $250 / year
Complete Health Essential	$55 / visit $400 / year
Complete Health Enhanced	$70 / visit $500 / year
Guaranteed Acceptance	$300 / year
Health Practitioners Podiatrist / Chiropodist
Complete Health Entry	$40 / visit $250 / year
Complete Health Essential	$55 / visit $400 / year
Complete Health Enhanced	$70 / visit $500 / year
Guaranteed Acceptance	$300 / year
Health Practitioners Speech Therapist
Complete Health Entry	$40 / visit $250 / year
Complete Health Essential	$55 / visit $400 / year
Complete Health Enhanced	$70 / visit $500 / year
Guaranteed Acceptance	$300 / year
Ambulance
Complete Health Entry	—
Complete Health Essential	$420 / year
Complete Health Enhanced	$420 / year
Guaranteed Acceptance	70% up to $420 / year Ambulance Attendant: 70% up to $280 / year
Hearing Aids*
Complete Health Entry	—
Complete Health Essential	$400 / 5 years
Complete Health Enhanced	$500 / 5 years
Guaranteed Acceptance	$350 / 5 years
Family Assistance Program
Complete Health Entry	included
Complete Health Essential	included
Complete Health Enhanced	included
Guaranteed Acceptance	included
Orthotics
Complete Health Entry	$150
Complete Health Essential	$150
Complete Health Enhanced	$225
Guaranteed Acceptance	$105
Vision Care*
Complete Health Entry	$100 / 2 years
Complete Health Essential	$150 / 2 years
Complete Health Enhanced	$300 / 2 years
Guaranteed Acceptance	$105 / 2 years
Diabetic Supplies**
Complete Health Entry	—
Complete Health Essential	No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies
Complete Health Enhanced	No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies
Guaranteed Acceptance	$2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Equipment**
Complete Health Entry	—
Complete Health Essential	No overall maximum
Complete Health Enhanced	No overall maximum
Guaranteed Acceptance	$2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Nursing**
Complete Health Entry	—
Complete Health Essential	$3,500 / 2 years
Complete Health Enhanced	$5,600 / 2 years
Guaranteed Acceptance	$2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Prosthetics**
Complete Health Entry	—
Complete Health Essential	Up to $10,000 / Lifetime
Complete Health Enhanced	Up to $10,000 / Lifetime
Guaranteed Acceptance	$2,500 / year combined maximum for diabetic supplies, equipment, supplies, nursing and prosthetics
Accidental Dental
Complete Health Entry	$7,000 / lifetime
Complete Health Essential	$7,000 / lifetime
Complete Health Enhanced	$7,000 / lifetime
Guaranteed Acceptance	70% up to $7,000 per lifetime

Dental*



Coverage	60% ($500/year)	70%	80%	70%
Fillings	60% coverage $500 / year combined maximum for dental exams, cleaning and x-rays	70% coverage No overall maximum	80% coverage No overall maximum	70% coverage $1,000 / year combined maximum for fillings, extractions and root canals
Extractions and Root Canals	—	70% coverage No overall maximum	80% coverage No overall maximum	70% coverage $1,000 / year combined maximum for fillings, extractions and root canals
Periodontal	—	—	60% coverage $1,200 / year	—
Major	—	—	60% coverage $500 / year	—
Orthodontics (18 and under)	—	—	60% coverage $125 / month $1,500 / lifetime reimbursement limit	—

Dental*



Coverage
Complete Health Entry	60% ($500/year)
Complete Health Essential	70%
Complete Health Enhanced	80%
Guaranteed Acceptance	70%
Fillings
Complete Health Entry	60% coverage $500 / year combined maximum for dental exams, cleaning and x-rays
Complete Health Essential	70% coverage No overall maximum
Complete Health Enhanced	80% coverage No overall maximum
Guaranteed Acceptance	70% coverage $1,000 / year combined maximum for fillings, extractions and root canals
Extractions and Root Canals
Complete Health Entry	—
Complete Health Essential	70% coverage No overall maximum
Complete Health Enhanced	80% coverage No overall maximum
Guaranteed Acceptance	70% coverage $1,000 / year combined maximum for fillings, extractions and root canals
Periodontal
Complete Health Entry	—
Complete Health Essential	—
Complete Health Enhanced	60% coverage $1,200 / year
Guaranteed Acceptance	—
Major
Complete Health Entry	—
Complete Health Essential	—
Complete Health Enhanced	60% coverage $500 / year
Guaranteed Acceptance	—
Orthodontics (18 and under)
Complete Health Entry	—
Complete Health Essential	—
Complete Health Enhanced	60% coverage $125 / month $1,500 / lifetime reimbursement limit
Guaranteed Acceptance	—

Accidental Death and Dismemberment



Accidental Death and Dismemberment***	—	Applicant and applicant’s spouse are covered up to a maximum of $15,000 each	Applicant and applicant’s spouse are covered up to a maximum of $20,000 each	Applicant and applicant’s spouse are covered up to a maximum of $25,000 each

Accidental Death and Dismemberment



Accidental Death and Dismemberment***
Complete Health Entry	—
Complete Health Essential	Applicant and applicant’s spouse are covered up to a maximum of $15,000 each
Complete Health Enhanced	Applicant and applicant’s spouse are covered up to a maximum of $20,000 each
Guaranteed Acceptance	Applicant and applicant’s spouse are covered up to a maximum of $25,000 each

Drug Benefits



Coverage	—	70%	80%	80%
Maximum	—	No overall maximum	No overall maximum	$2,500 / year $625 / 3-month quarter****
Birth Control	—	Covered	Covered	Covered
Smoking Cessation	—	$800 / 5 years	$800 / 5 years	—
Allergy Serums	—	—	$500 / year	—
Vaccines	—	—	$250 / year	—
Erectile Dysfunction	—	—	$250 / year	—
Fertility	—	—	$1,500 / year $3,000 / lifetime	—

Drug Benefits



Coverage
Complete Health Entry	—
Complete Health Essential	70%
Complete Health Enhanced	80%
Guaranteed Acceptance	80%
Maximum
Complete Health Entry	—
Complete Health Essential	No overall maximum
Complete Health Enhanced	No overall maximum
Guaranteed Acceptance	$2,500 / year $625 / 3-month quarter****
Birth Control
Complete Health Entry	—
Complete Health Essential	Covered
Complete Health Enhanced	Covered
Guaranteed Acceptance	Covered
Smoking Cessation
Complete Health Entry	—
Complete Health Essential	$800 / 5 years
Complete Health Enhanced	$800 / 5 years
Guaranteed Acceptance	—
Allergy Serums
Complete Health Entry	—
Complete Health Essential	—
Complete Health Enhanced	$500 / year
Guaranteed Acceptance	—
Vaccines
Complete Health Entry	—
Complete Health Essential	—
Complete Health Enhanced	$250 / year
Guaranteed Acceptance	—
Erectile Dysfunction
Complete Health Entry	—
Complete Health Essential	—
Complete Health Enhanced	$250 / year
Guaranteed Acceptance	—
Fertility
Complete Health Entry	—
Complete Health Essential	—
Complete Health Enhanced	$1,500 / year $3,000 / lifetime
Guaranteed Acceptance	—

Travel



Trip Duration	—	—	30 days	17 days

Travel



Trip Duration
Complete Health Entry	—
Complete Health Essential	—
Complete Health Enhanced	30 days
Guaranteed Acceptance	17 days

Benefits are per person per year unless otherwise stated. See policy booklet for more details.
*Waiting periods may apply to some benefits.
**The combined maximum applies to the coverage for diabetic supplies, equipment and supplies, nursing and prosthetics.
***Blue Cross Life Insurance Company of Canada underwrites Accidental Death and Dismemberment coverage.
****3-month calendar quarters are defined as 3 consecutive months commencing on the first (1st) day of January, April, July or October in a calendar year totalling up to $2,500 per year. Check your policy booklet for details.

Find a plan

Online Doctors Benefit

Whether you don’t have time to see your doctor, don’t have a family doctor, or want a more convenient alternative to visiting a clinic, our new Online Doctors benefit can help you.

Included with every Complete Health plan, Medavie Blue Cross’ Online Doctors benefit now covers three general practitioner visits a year—right from your computer or mobile device.

• Includes a secure digital health record for storing, sharing and managing your health data.

• Provides the option to securely text, call, or video chat with the doctor.

• Includes digital prescriptions (free delivery or pickup), medical notes, lab and imaging requisitions.

• You’ll have access to a network of over 600 Canadian licensed physicians, even while travelling.

A healthy body and a healthy mind

When you purchase a Complete Health plan, you’ll also get access to our full wellness program. Help manage life’s challenges with inConfidence, a confidential assistance program that offers one-on-one counselling and support on various topics. Available 24 hours a day, inConfidence provides appointments over the phone or in person, for no added cost.

Online Doctors Benefit

Whether you don’t have time to see your doctor, don’t have a family doctor, or want a more convenient alternative to visiting a clinic, our new Online Doctors benefit can help you.

Included with every Complete Health plan, Medavie Blue Cross’ Online Doctors benefit now covers three general practitioner visits a year—right from your computer or mobile device.

• Includes a secure digital health record for storing, sharing and managing your health data.

• Provides the option to securely text, call, or video chat with the doctor.

• Includes digital prescriptions (free delivery or pickup), medical notes, lab and imaging requisitions.

• You’ll have access to a network of over 600 Canadian licensed physicians, even while travelling.

A healthy body and a healthy mind

Connecting you to more health practitioners

Whether you need coverage for a dietician, occupational therapist, psychologist, audiologist, or massage therapist: we have you covered. Complete Health offers coverage for a wide range of health practitioners that can help you better manage your physical and mental health.

Need a prescription? Don’t worry.

We do not have an overall maximum on prescription drugs. This means we won’t limit your access to prescription medication based on an annual maximum cost. No one can predict the future, and if you do need expensive medication, we want to be there for you. Many of our other benefits also do not have overall maximums. With our extensive dental coverage, the Essential and Enhanced modules do not have a maximum on fillings, extractions and root canals.

Connecting you to more health practitioners

Need a prescription? Don’t worry.

A plan that's right for you

See how other members built their Complete Health plan to fit their lives.

Sophie

Just starting out

View my plan choice

Patrick

Retiring Soon

View my plan choice

Alex and Audrey

Married with kids

View my plan choice

Consider Entry Health with Essential Drug coverage.

Enhanced Health comes with travel coverage.

You need Enhanced Dental coverage.

Look for the Enhanced Drug module.

Both modules are comprehensive but our Enhanced Drug module also includes fertility drugs, vaccines, allergy serums and erectile dysfunction.

Consider the Assured Access module—you can put your plan on hold if you get group benefits provided by an employer, and re-activate it later on.

If you're interested in extra hospital coverage, above and beyond what’s included in your provincial plan, the Hospital Cash module provides $100/day if you get hospitalized.

You can add pre-approved life to your plan up to age 45.

If you're you worried about developing a catastrophic illness, like a major stroke, and not having adequate savings to cover living expenses, our Critical Illness module pays cash in the event of a major unexpected illness.

Have more questions?

We're ready to help you! Call 1-866-492-2583 Monday to Friday, 8:00 am to 5:30 pm AST