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Frequently asked questions

Am I eligible for a Blue Cross health insurance plan?

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

I am perfectly healthy. Why do I need a health insurance plan?

A health insurance plan protects you in case you fall ill or have an accident. Your health requires protection, just as you insure your home and vehicle in case of an accident.
A health insurance plan is also an excellent way to avoid the high costs of needs such as vision care, registered specialists and therapists, and emergency medical care.
Our plans provide a sense of security that can improve your quality of life. Enrolling into a Blue Cross plan automatically grants you access to the members-only assistance program.

Do you have a plan that covers dental only? Or drugs only?

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

Can I replace my government health insurance plan with a Blue Cross plan?

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.

What benefits does Blue Cross offer?

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, disability, long-term care and mortgage insurance.

I’m a senior. Do I get a seniors discount?

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.

Can I pay a higher premium to increase my dental or drug coverage?

Blue Cross insurance plans cannot be modified. However, 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 to one of these other plans that offer higher coverage amount. Contact us for more information.

How long does it take for my coverage to start?

Depending on the plan you applied for, coverage may start as early as the next business day. 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.

Is a physical exam necessary for me to apply for coverage?

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.

Do I need to sign a contract?

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.

I have a pre-existing condition. Will the drugs I’m already taking be covered under my Blue Cross plan?

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.

Do your dental plans cover braces?

Unfortunately, braces are not covered under any of our dental options.