Blue Cross has been providing health insurance plans and coverage for Canadians for over 70 years. With flexible packages for both individuals and employer benefit plans, Blue Cross health insurance has an array of options available. Some options include prescription drug, vision, and hospital benefits, out-of-province emergency medical care, critical illness coverage, and short or long term disability coverage.
While we often hope that we'll never have to use our health insurance coverage, it’s always nice to have in case of emergencies. The right supplemental health insurance package can offset costs and give you added peace of mind.
Blue Cross health insurance features
Here’s an overview of the features you’ll get with Blue Cross health insurance:Why You Want It
Get comprehensive health care coverage + Recognized insurance provider.
Special Features
- Can include virtual health care (for certain regions)
- Can include hearing aids
- Can include medical equipment
Eligibility
- Canadian citizen
- Age of majority
Provinces
ALL
Features
Allows Customization?
Dental
Vision
Paramedical
Prescription
Travel Coverage
Hospital Room Coverage
Accidental Death And Dismemberment
Short-term Disability
Long-term Disability
Blue Cross health insurance product rating: 4.6 stars
Blue Cross health insurance has a comprehensive array of flexible options that will let you customize your insurance coverage to meet your specific needs. And while supplemental health insurance is rarely cheap, Blue Cross insurance is competitively priced. In terms of customer service and support, Blue Cross has a solid track record for providing top-of-the-line service for their clients.
Rating methodology
To calculate our Genius Ratings, we compare the features of the account or product in question with other similar products in Canada. We give each feature a score out of 5 based on that comparison. Once we’ve rated all the features, we run them through our proprietary algorithm to produce a final rating out of 5.
Learn more about our rating methodology.
The pros of Blue Cross health insurance
Here are some of the many pros you can expect from Blue Cross health insurance.
Pros
Wide availability
Blue Cross health insurance is available in all provinces and territories, making it a top choice for Canadians everywhere. You’ll need to specify your region to take a look at what’s specifically available in your province or territory.
Flexibility and premium coverage
Blue Cross’ wide range of health, travel, and life insurance for both individuals and groups means you’ll likely find what you’re looking for. For health insurance, they offer the ultimate flexibility when it comes to their premium coverage packages, which include: prescription drug benefits, vision benefits, hospital benefits, dental benefits, health spending accounts, wellness spending accounts, out-of-province emergency medical care, critical illness coverage, and short term or long term disability coverage.
Virtual health care included
Compared to other insurance companies, Blue Cross is ahead of the game in adapting to today’s technological landscape. In 2019, they launched a Connected Care digital health platform, which would allow customers to access their services via a mobile app. The app has high reviews on both the iOS App Store and Google Play, making their inclusion of virtual health care excellent for convenience and accessibility. It’s important to keep in mind that this app is meant for Medavie Blue Cross, which includes group coverage for Ontario and Quebec, as well as coverage for Atlantic Canada.
The cons of Blue Cross health insurance
Despite its pros, here’s what you need to look out for when considering Blue Cross health insurance.
Cons
Plans may vary depending on region
Since Blue Cross encompasses such a large country (including locations in the U.S.), the specific plans available to you may vary depending on your province or territory. Blue Cross is a huge company made up of many sub-sections, which is why it’s important to look at health plans in your particular area and weigh them based on options available, cost, and quality.
Difficult to navigate
Because there are so many options for different provinces and territories, it may be difficult for some to navigate and find or choose the right plan. Luckily, their customer service allows you to call or email for help, with different business hours depending on your region. If you’re unsure about committing to any specific plan, you can also get a quote to help you decide whether the price is right for you.
Blue Cross health insurance alternatives
Want to look around before opting into a health insurance policy? Here are some alternatives:
 |  |  |  | |
|---|---|---|---|---|
| Account | Blue Cross Health Insurance | PolicyMe Dental And Health Insurance | Sun Life Health Insurance | Canada Life Health Insurance |
| Genius Rating | ||||
| Why You Want It | Get comprehensive health care coverage + Recognized insurance provider. | Extensive selection of health and dental plans. | Get help from a virtual advisor + Choose from 3 personal health plans. | Up to $250,000 in prescription drug coverage + No termination age. |
| Allows Customization? | | | | |
| Dental | | | | |
| Vision | | | | |
| Paramedical | | | | |
| Prescription | | | | |
Show More | ||||
| Get a quote See more Blue Cross products Compare | Get a quote See more PolicyMe products Compare | Learn More See more Sun Life products Compare | Learn More See more Canada Life products Compare |
FAQ
How much is Blue Cross health insurance?
The cost and the amount of health care coverage you’ll get with Blue Cross will vary depending on what kind of coverage you’re looking for, as well as what province or territory you’re in. To get the most accurate information on costs and coverage amounts, it’s best to look up plans offered in your specific region on the Blue Cross website.
What does the Blue Cross Individual Health Plan include?
An individual health plan from Blue Cross includes supplementary benefits to each province’s already-existing government health plan for a single person. This includes prescription drug coverage, vision coverage, and hospital coverage. To weigh more of your options, check out our comparison of the top health insurance companies in Canada.
What types of insurance are offered by Blue Cross?
Blue Cross offers basic to extensive health, drug, dental, and hospital insurance. The additional features that you’ll receive depend on your location, but all provinces and territories include very flexible and comprehensive core insurance packages.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
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