Complete Health
Flexible health insurance that allows you to choose the benefits that meet your needs and budget.
Complete Health
Flexible health insurance that allows you to choose the benefits that meet your needs and budget.
Unlike other products on the market,
Complete Health is designed to fit and grow with you.
Build the plan you need now, knowing you can change it as your circumstances and needs change. 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!
What kind of coverage do you and your family need?
| Complete Health Entry |
Complete Health Essential |
Complete Health Enhanced |
Guaranteed Acceptance |
|---|
| Coverage | 60% coverage | 70% coverage | 80% coverage | 70% coverage |
| Health Practitioners Psychologist/Social worker/Clinical counsellor/ Psychotherapist |
$55 per visit – max $250/CY | $80 per visit – max $400/CY | $95 per visit – max $500/CY | $300/CY |
| Health Practitioners Massage Therapist |
— | $55 per visit – max $400/CY | $70 per visit – max $500/CY | $300/CY |
| Health Practitioners Physiotherapist |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | $300/CY |
| Health Practitioners Chiropractor |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | $300/CY |
| Health Practitioners Acupuncturist |
— | $55 per visit – max $400/CY | $70 per visit – max $500/CY | — |
| Health Practitioners Dietitian |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | — |
| Health Practitioners Naturopath |
— | $55 per visit – max $400/CY | $70 per visit – max $500/CY | — |
| Health Practitioners Audiologist |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | — |
| Health Practitioners Occupational Therapist |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | — |
| Health Practitioners Osteopath |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | $300/CY |
| Health Practitioners Podiatrist/Chiropodist |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | $300/CY |
| Health Practitioners Speech Therapist |
$40 per visit – max $250/CY | $55 per visit – max $400/CY | $70 per visit – max $500/CY | $300/CY |
| Ambulance | — | $420/CY | $420/CY | $420/CY Ambulance Attendant: $280/CY |
| Hearing Aids1 | — | $400/5CYs | $500/5CYs | $350/5CYs |
| Orthotics and Orthopedic Shoes | $150/CY | $150/CY | $225/CY | $105/CY |
| Vision Care1 | $100/2CYs | $150/2CYs | $300/2CYs | $105/2CYs |
| Diabetic Supplies | — | No overall maximum. $2,280/CY for Continuous Glucose Monitoring Supplies | No overall maximum. $2,280/CY for Continuous Glucose Monitoring Supplies | Combined maximum of $2,500/CY with medical equipment, nursing and prosthetics |
| Equipment | — | No overall maximum | No overall maximum | Combined maximum of $2,500/CY with diabetic supplies, nursing and prosthetics |
| Nursing care | — | $3,500/2CYs | $5,600/2CYs | Combined maximum of $2,500/CY with diabetic supplies, medical equipment and prosthetics |
| Prosthetics | — | Up to $10,000/LT | Up to $10,000/LT | Combined maximum of $2,500/CY with diabetic supplies, medical equipment and nursing |
| Accidental Dental | $7,000/LT | $7,000/LT | $7,000/LT | $7,000/LT |
| Diagnostic Services Coverage | 100% | 100% | 100% | 100% |
| Laboratory Tests | $500/CY | $500/CY | $500/CY | $500/CY |
| CT Scan Computer Tomography | $250/CY | $250/CY | $250/CY | $250/CY |
| Magnetic Resonance Imaging | $675/CY | $675/CY | $675/CY | $675/CY |
| Ultrasound | $100/CY | $100/CY | $100/CY | $100/CY |
| Polysomnography | $500/2CYs | $500/2CYs | $500/2CYs | $500/2CYs |
| Coverage | |
|
Complete Health Entry |
60% coverage |
|
Complete Health Essential |
70% coverage |
|
Complete Health Enhanced |
80% coverage |
| Guaranteed Acceptance | 70% coverage |
|
Health Practitioners Psychologist/Social worker/Clinical counsellor/ Psychotherapist |
|
|
Complete Health Entry |
$55 per visit – max $250/CY |
|
Complete Health Essential |
$80 per visit – max $400/CY |
|
Complete Health Enhanced |
$95 per visit – max $500/CY |
| Guaranteed Acceptance | $300/CY |
|
Health Practitioners Massage Therapist |
|
|
Complete Health Entry |
— |
|
Complete Health Essential |
$55 per visit – max $400/CY |
|
Complete Health Enhanced |
$70 per visit – max $500/CY |
| Guaranteed Acceptance | $300/CY |
|
Health Practitioners Physiotherapist |
|
|
Complete Health Entry |
$40 per visit – max $250/CY |
|
Complete Health Essential |
$55 per visit – max $400/CY |
|
Complete Health Enhanced |
$70 per visit – max $500/CY |
| Guaranteed Acceptance | $300/CY |
|
Health Practitioners Chiropractor |
|
|
Complete Health Entry |
$40 per visit – max $250/CY |
|
Complete Health Essential |
$55 per visit – max $400/CY |
|
Complete Health Enhanced |
$70 per visit – max $500/CY |
| Guaranteed Acceptance | $300/CY |
|
Health Practitioners Acupuncturist |
|
|
Complete Health Entry |
— |
|
Complete Health Essential |
$55 per visit – max $400/CY |
|
Complete Health Enhanced |
$70 per visit – max $500/CY |
| Guaranteed Acceptance | — |
|
Health Practitioners Dietitian |
|
|
Complete Health Entry |
$40 per visit – max $250/CY |
|
Complete Health Essential |
$55 per visit – max $400/CY |
|
Complete Health Enhanced |
$70 per visit – max $500/CY |
| Guaranteed Acceptance | — |
|
Health Practitioners Naturopath |
|
|
Complete Health Entry |
— |
|
Complete Health Essential |
$55 per visit – max $400/CY |
|
Complete Health Enhanced |
$70 per visit – max $500/CY |
| Guaranteed Acceptance | — |
|
Health Practitioners Audiologist |
|
|
Complete Health Entry |
$40 per visit – max $250/CY |
|
Complete Health Essential |
$55 per visit – max $400/CY |
|
Complete Health Enhanced |
$70 per visit – max $500/CY |
| Guaranteed Acceptance | — |
|
Health Practitioners Occupational Therapist |
|
|
Complete Health Entry |
$40 per visit – max $250/CY |
|
Complete Health Essential |
$55 per visit – max $400/CY |
|
Complete Health Enhanced |
$70 per visit – max $500/CY |
| Guaranteed Acceptance | — |
|
Health Practitioners Osteopath |
|
|
Complete Health Entry |
$40 per visit – max $250/CY |
|
Complete Health Essential |
$55 per visit – max $400/CY |
|
Complete Health Enhanced |
$70 per visit – max $500/CY |
| Guaranteed Acceptance | $300/CY |
|
Health Practitioners Podiatrist/Chiropodist |
|
|
Complete Health Entry |
$40 per visit – max $250/CY |
|
Complete Health Essential |
$55 per visit – max $400/CY |
|
Complete Health Enhanced |
$70 per visit – max $500/CY |
| Guaranteed Acceptance | $300/CY |
|
Health Practitioners Speech Therapist |
|
|
Complete Health Entry |
$40 per visit – max $250/CY |
|
Complete Health Essential |
$55 per visit – max $400/CY |
|
Complete Health Enhanced |
$70 per visit – max $500/CY |
| Guaranteed Acceptance | $300/CY |
| Ambulance | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$420/CY |
|
Complete Health Enhanced |
$420/CY |
| Guaranteed Acceptance |
$420/CY Ambulance Attendant: $280/CY |
| Hearing Aids1 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$400/5CYs |
|
Complete Health Enhanced |
$500/5CYs |
| Guaranteed Acceptance | $350/5CYs |
| Orthotics and Orthopedic Shoes | |
|
Complete Health Entry |
$150/CY |
|
Complete Health Essential |
$150/CY |
|
Complete Health Enhanced |
$225/CY |
| Guaranteed Acceptance | $105/CY |
| Vision Care1 | |
|
Complete Health Entry |
$100/2CYs |
|
Complete Health Essential |
$150/2CYs |
|
Complete Health Enhanced |
$300/2CYs |
| Guaranteed Acceptance | $105/2CYs |
| Diabetic Supplies | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
No overall maximum. $2,280/CY for Continuous Glucose Monitoring Supplies |
|
Complete Health Enhanced |
No overall maximum. $2,280/CY for Continuous Glucose Monitoring Supplies |
| Guaranteed Acceptance | Combined maximum of $2,500/CY with medical equipment, nursing and prosthetics |
| Equipment | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
No overall maximum |
|
Complete Health Enhanced |
No overall maximum |
| Guaranteed Acceptance | Combined maximum of $2,500/CY with diabetic supplies, nursing and prosthetics |
| Nursing care | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$3,500/2CYs |
|
Complete Health Enhanced |
$5,600/2CYs |
| Guaranteed Acceptance | Combined maximum of $2,500/CY with diabetic supplies, medical equipment and prosthetics |
| Prosthetics | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
Up to $10,000/LT |
|
Complete Health Enhanced |
Up to $10,000/LT |
| Guaranteed Acceptance | Combined maximum of $2,500/CY with diabetic supplies, medical equipment and nursing |
| Accidental Dental | |
|
Complete Health Entry |
$7,000/LT |
|
Complete Health Essential |
$7,000/LT |
|
Complete Health Enhanced |
$7,000/LT |
| Guaranteed Acceptance | $7,000/LT |
| Diagnostic Services Coverage | |
|
Complete Health Entry |
100% |
|
Complete Health Essential |
100% |
|
Complete Health Enhanced |
100% |
| Guaranteed Acceptance | 100% |
| Laboratory Tests | |
|
Complete Health Entry |
$500/CY |
|
Complete Health Essential |
$500/CY |
|
Complete Health Enhanced |
$500/CY |
| Guaranteed Acceptance | $500/CY |
| CT Scan Computer Tomography | |
|
Complete Health Entry |
$250/CY |
|
Complete Health Essential |
$250/CY |
|
Complete Health Enhanced |
$250/CY |
| Guaranteed Acceptance | $250/CY |
| Magnetic Resonance Imaging | |
|
Complete Health Entry |
$675/CY |
|
Complete Health Essential |
$675/CY |
|
Complete Health Enhanced |
$675/CY |
| Guaranteed Acceptance | $675/CY |
| Ultrasound | |
|
Complete Health Entry |
$100/CY |
|
Complete Health Essential |
$100/CY |
|
Complete Health Enhanced |
$100/CY |
| Guaranteed Acceptance | $100/CY |
| Polysomnography | |
|
Complete Health Entry |
$500/2CYs |
|
Complete Health Essential |
$500/2CYs |
|
Complete Health Enhanced |
$500/2CYs |
| Guaranteed Acceptance | $500/2CYs |
| Coverage | 60% | 70% | 80% | 70% |
| Fillings | Combined maximum of $500/CY with dental exams, cleaning and x-rays | No overall maximum | No overall maximum | Combined maximum of $1,000/CY with extractions and root canals |
| Extractions and Root Canals | — | No overall maximum | No overall maximum | Combined maximum of $1,000/CY with fillings |
| Periodontal | — | — | 60% maximum $1,200/CY | — |
| Major | — | — | 60% maximum $500/CY | — |
| Orthodontics (18 and under) | — | — | 60% maximum $1,500/LT reimbursement limit $125/month | — |
| Coverage | |
|
Complete Health Entry |
60% |
|
Complete Health Essential |
70% |
|
Complete Health Enhanced |
80% |
| Guaranteed Acceptance | 70% |
| Fillings | |
|
Complete Health Entry |
Combined maximum of $500/CY with dental exams, cleaning and x-rays |
|
Complete Health Essential |
No overall maximum |
|
Complete Health Enhanced |
No overall maximum |
| Guaranteed Acceptance | Combined maximum of $1,000/CY with extractions and root canals |
| Extractions and Root Canals | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
No overall maximum |
|
Complete Health Enhanced |
No overall maximum |
| Guaranteed Acceptance | Combined maximum of $1,000/CY with fillings |
| Periodontal | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
60% maximum $1,200/CY |
| Guaranteed Acceptance | — |
| Major | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
60% maximum $500/CY |
| Guaranteed Acceptance | — |
| Orthodontics (18 and under) | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
60% maximum $1,500/LT reimbursement limit $125/month |
| Guaranteed Acceptance | — |
| Accidental Death and Dismemberment2 | — | Up to $15,000 member or spouse / $5,000 each dependent child | Up to $20,000 member or spouse / $5,000 each dependent child | Up to $25,000 member or spouse/$5,000 each dependent child |
| Accidental Death and Dismemberment2 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
Up to $15,000 member or spouse / $5,000 each dependent child |
|
Complete Health Enhanced |
Up to $20,000 member or spouse / $5,000 each dependent child |
| Guaranteed Acceptance | Up to $25,000 member or spouse/$5,000 each dependent child |
| Coverage | — | 70% | 80% | 80% |
| Maximum | — | $100,000/CY | $300,000/CY | $625/Calendar quarter5 |
| Smoking Cessation Drugs4 | — | $800/5CYs | $800/5CYs | — |
| Allergy Serums | — | — | $500/CY | — |
| Vaccines4 | — | — | $250/CY | — |
| Erectile Dysfunction4 | — | — | $250/CY | — |
| Fertility4 | — | — | $1,500/CY, $3,000/LT | — |
| Coverage | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
70% |
|
Complete Health Enhanced |
80% |
| Guaranteed Acceptance | 80% |
| Maximum | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$100,000/CY |
|
Complete Health Enhanced |
$300,000/CY |
| Guaranteed Acceptance | $625/Calendar quarter5 |
| Smoking Cessation Drugs4 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$800/5CYs |
|
Complete Health Enhanced |
$800/5CYs |
| Guaranteed Acceptance | — |
| Allergy Serums | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$500/CY |
| Guaranteed Acceptance | — |
| Vaccines4 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$250/CY |
| Guaranteed Acceptance | — |
| Erectile Dysfunction4 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$250/CY |
| Guaranteed Acceptance | — |
| Fertility4 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$1,500/CY, $3,000/LT |
| Guaranteed Acceptance | — |
| Trip Duration | — | — | 30 days | 17 days |
| Trip Duration | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
30 days |
| Guaranteed Acceptance | 17 days |
Benefits are per person per calendar year (CY) unless otherwise stated. See policy booklet for more details.
1Waiting periods may apply to some benefits.
2 Blue Cross Life Insurance Company of Canada underwrites Accidental Death and Dismemberment coverage.
3Reimbursement at 70% or 80% based on the selected coverage for: the deductible and the coinsurance payable under the Régie de l’assurance maladie du Québec (RAMQ) list of medications or under an equivalent group insurance coverage, and the cost of prescription drugs not listed on the RAMQ list of medications provided they meet the definition of eligible drugs under the policy and appear on the managed drug formulary.
4Maximums do not apply if the drugs are indicated as covered under the List of Medications administered by RAMQ or under an equivalent group plan. Benefit Annual Maximum applies.
5A calendar quarter is defined as a period of 3 consecutive months of a calendar year, commencing the 1st day of January, April, July or October.
Your Complete Health plan comes with convenient health care features
inConfidence — Counselling and Support
Our full wellness program, inConfidence, comes with the Complete Health plan.
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.
inConfidence — Counselling and Support
Our full wellness program, inConfidence, comes with the Complete Health plan.
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.
Connecting you to more health practitioners
Complete Health offers coverage for a wide range of health practitioners that can help you better manage your physical and mental health.
Whether you need a dietitian, occupational therapist, psychologist, audiologist, or massage therapist, Complete Health has you covered.
Connecting you to more health practitioners
Complete Health offers coverage for a wide range of health practitioners that can help you better manage your physical and mental health.
Whether you need a dietitian, occupational therapist, psychologist, audiologist, or massage therapist, Complete Health has you covered.
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.
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!
®Québec Blue Cross is a registered trademark of the Canadian Association of Blue Cross Plans (CABCP) licensed to the Canadian Hospital Service Association (CHSA), an independent member of CABCP operating in Quebec as Québec Blue Cross.
* Trade-mark of the Canadian Association of Blue Cross Plans. † Trade-mark of Blue Cross Blue Shield Association. All rights reserved.