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Personal health insurance helps you pay for everyday health care expenses that are not covered under OHIP. Similar to the benefits that you would receive if you had an employer group benefits plan, a personal health insurance plan can cover health care services, dental care, vision care, prescription drugs, income replacement and travel insurance.

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	Basic Blue Choice			Basic Plus+			Blue Choice Balance			Blue Choice

Who can apply	Anyone aged 16-74			Anyone aged 16+			Anyone aged 16+			Anyone aged 16+
Money back guarantee	30 days			10 days			10 days			30 days
Plan type	Package of benefits			Package of benefits			Package of benefits			Choose only the benefits you need
Ambulance
Ambulance	80%			80%			80%			80%
Nursing care
Nursing care	Years 1 & 2: Up to $500 Year 3: Up to $1,500 Year 4 & later: Up to $2,500/calendar year			Up to $2,500/calendar year			Up to $2,500/calendar year			Up to $2,500/calendar year
Paramedical coverage
Paramedical coverage	'Per visit' maximum applies, regardless of practioner fee's
Paramedical coverage	Initial visit	Per visit	Max. number of visits	Initial visit	Per visit	Max. number of visits	Initial visit	Per visit	Max. number of visits	Initial visit	Per visit	Max. number of visits
Psychologist	$80	$65	12	$80	$65	12	$80	$65	20	$80	$65	20
Speech therapist	$65	$45	12	$65	$45	12	$65	$45	12	$65	$45	12
Massage therapist	$15	$15	25	$15	$15	20	$20	$20	20	$25	$25	25
Chiropodist, naturopath, physiotherapist, osteopath, podiatrist, chiropractor	$15	$15	25	$15	$15	25	$20	$20	25	$25	$25	25
Extended health care	$100,000 lifetime maximum			Included			Included			Included
Accidental dental	Up to $2,000/calendar year/person			Up to $2,000/calendar year/person			Up to $2,000/calendar year/person			Up to $2,000/calendar year/person
Hearing aids	Up to $300/5 calendar years (subject to a 3-month waiting period)			Up to $300/5 calendar years (subject to a 3-month waiting period)			Up to $300/5 calendar years (subject to a 3-month waiting period)			Up to $400/5 calendar years (subject to a 3-month waiting period)
Orthopaedic shoes	Up to $200/calendar year			Up to $200/calendar year			Up to $200/calendar year			Up to $200/calendar year
Medical equipment	80%			Up to $2,500/calendar year			Up to $2,500/calendar year			80%
Assistive devices	Years 1 & 2: Up to $500 Year 3: Up to $1,500 Year 4 & later: Up to $2,500/calendar year			Up to $2,500/calendar year			Up to $2,500/calendar year			Up to $2,500/calendar year
Hospital	Optional			Included			Optional			Optional
Hospital	Optional: Private or semi-private room 100%, $200/day 90-day maximum			Private or semi-private room 100%, $200/day 90-day maximum			Optional: Private or semi-private room 100%, $200/day 90-day maximum			Optional: Private or semi-private room 100%, $200/day 90-day maximum
Prescription drugs	No deductible 70%, up to $500/calendar year Available up to age 64			No deductible Year 1: 80%, up to $500/calendar year Subsequent calendar year(s): 80% up to $750 Available up to age 64 Benefits are pro-rated in the first year			No deductible 70%, up to $5,000/calendar year Available up to age 64 Benefits are pro-rated in the first year			No deductible 80%, up to $10,000/calendar year Available up to age 64
Pay direct drug card
Dental care	No deductible 70%, up to $245/calendar year			No deductible 70%, up to $500/calendar year Benefits are pro-rated in the first year			No deductible 70%, up to $500/calendar year Benefits are pro-rated in the first year			No deductible Year 1: 70%, up to $750/calendar year Year 2: 75%, up to $1,000/calendar year Year 3: 80%, up to $1,250/calendar year, including 50% major restorative, up to $500 as part of overall maximum
Vision care, including eye exams and Laser eye surgery	Not included			Eye exams ONLY: up to $50/2 calendar years for people aged 20-65			Up to $100/2 calendar years (subject to a 3-month waiting period) Eye exams: Up to $50/2 calendar years for people aged 20-65			Up to $150/2 calendar years (subject to a 3-month waiting period) Eye exams: Up to $50/2 calendar years for people aged 20-65
Travel insurance	Up to $5,000,000 Unlimited number of 15-day trips			Up to $5,000,000 Unlimited number of 15-day trips			Up to $5,000,000 Unlimited number of 15-day trips			Up to $5,000,000 Unlimited number of 15-day trips
Accidental death & dismemberment	$25,000/applicant $25,000/spouse $5,000/child			Not included			$25,000/applicant $25,000/spouse $5,000/child			$25,000/applicant $25,000/spouse $5,000/child
Assistance program
Blue Advantage^® discounts

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