Frequently asked questions

To apply for a Blue Cross health insurance, you must:

  • Be a resident of Ontario
  • Have a valid OHIP card
  • Currently not be hospitalized
  • Meet the eligibility criteria for the product you are interested in

Unforeseen illnesses or accidents can happen at any time. Just as you insure your home and vehicle, your health requires protection. Our plans provide a sense of security that can improve your quality of life. They can help pay for expensive health care such as vision care, registered specialists and therapists, and emergency medical care.

Purchasing an Ontario Blue Cross plan automatically grants you access to the members-only discount program and 24/7 virtual health care.

No. Dental and drug coverage is sold only in conjunction with other extended health care benefits.

No. All Blue Cross insurance plans require that you hold a valid provincial health insurance card. Our coverage is available to help you cover expenses beyond those that are covered under your provincial health care plan.

Blue Cross offers a wide range of health plans that include extended health care coverage, to which you can add optional benefits, such as hospital, prescription drugs, dental or critical illness coverage. We also offer more specialized plans, such as life insurance.

Since premiums are based on age, and since health care tends to be more expensive as we grow older, discounts are not available on our health insurance plans.

Our plans offer a range of amounts for dental and prescription drug coverage. If you already have a plan with us, it may be possible to upgrade your coverage. Contact us for more information.

Your coverage will start on the 1st of the month with Blue Cross Health. If you were asked for information about your medical history, the selection process may take some time, so your coverage may not start for a few weeks. Some specific benefits may have a waiting period.

Blue Cross does not require a physical exam for health insurance coverage. However, depending on the plan you choose, you may be asked for information about your medical history.

Blue Cross does not require you to sign a contract for any length of time. However, if you want to cancel your Blue Cross insurance policy, you will need to provide a signed, written request. Some plans may require 30 days’ notice for a cancellation to be applied.

Depending on the plan you choose, medications for pre-existing medical conditions may be excluded from coverage. Make sure to check the pre-existing medical conditions clause of the plan you’re interested in.

Yes, braces are covered under Blue Cross Health plans.