MyPersonalHealthPlan

“MyPersonalHealthPlan assessed my needs and set up a Blue Cross plan that was the perfect fit. As an entrepreneur I was looking for a personal plan for me and my family. Over time Bryan and his team has also reviewed my coverage and helped me with questions related to health coverage provided by businesses I am involved with. I highly recommend working with Bryan and MyPersonalHealthPlan.”

Aly Mawji
Business Owner & Investor

“MyPersonalHealth plan set up a Blue Cross plan for me when as a new real estate agent I didn't have coverage. I felt very valued through the service and support I received in identifying what I needed and stepping me through coverage options. The plan suits my needs and I highly recommend working with Bryan and MyPersonalHealthPlan.”

Jules Chamberlain
Red Door Realty

“Bryan’s recommendation to put a Blue Cross Assured Access plan in place in 2018 was exactly what I needed. Since then, I take new medications which would be excluded from coverage if I applied for an individual plan today. I’m retiring in a few months and am so grateful for the option to convert my Assured Access plan to Blue Cross Elements. Having the support and expertise of MyPersonalHealthPlan’s knowledgeable team as I transition into retirement is a great comfort to me. Thank you!”

Caroline Creene
Retired RN

“As a health clinic owner, I see the value of good health benefits coverage every day. When I needed coverage for myself, I asked Bryan and he assessed my needs and set up a Blue Cross plan that was the perfect fit. Over time he has also reviewed my plan with me and updated the coverage to suit my needs as they changed. I highly recommend working with Bryan and MyPersonalHealthPlan.”

Anky Aarts
Owner, A Different Touch Health Clinic

“MyPersonalHealthPlan was so helpful in setting up a health plan for me and my husband as I recently retired from practicing dentistry. Bryan took the time to meet with me and listen to our needs and establish the right coverage for us including advising me on combining Blue Cross modules with provincial drug coverage. After the plan was established, they have continued to assist with claims and coverage questions. I highly recommend working MyPersonalHealthPlan and HRO Core which continues to provide excellent group benefits support to my old dental clinic. I really value having someone I trust for support and advice. Thank you!"

John MacPherson
Retired Dentist

Let’s get you started!

We’ll be with you every step of the way.

Why MyPersonalHealthPlan?

Most individuals will buy some form of individual health or life coverage in their lifetime. We are here to support you through your life journey and to help you find a plan that best fits your needs. Our plans support individuals regardless of your situation - independent contractor, small business owner, employee or other situation, there is a Medavie Blue Cross plan to support your current and future health needs.

What is Elements?

Elements is a flexible health insurance plan that allows you to choose the benefits you want- benefits that meet your needs and budget. Elements allows you to build the plan you need now, knowing you can change it as your circumstances and needs change. Start by picking one of our three health modules and then add any other modules that make sense for you.

The Perks

01

A Healthy Body & Healthy Mind

You’ll also get access to our full wellness program. Help manage life’s challenges with inConfidence, a confidential assistance program that offers one-on-one counselling and support on various topics.

02

Connecting You to More Health Practitioners

Whether you need coverage for a dietitian, occupational therapist, psychologist, audiologist, or massage therapist: we have you covered. Elements offers coverage for these health practitioners and more, to help you better manage your physical and mental health.

03

Online Doctors Benefit

Whether you don’t have time to see your doctor, don’t have a family  doctor, or want a more convenient alternative to visiting a clinic, our  new Online Doctors benefit can help you.

04

Need A Prescription? Don’t Worry.

We won’t limit your access to prescription medication based on an annual maximum cost.

05

Dental Coverage - As Painless as Possible!

With our Essential and Enhanced dental coverages, you will have unlimited dollar coverage on fillings, extractions and root canals.

How Does it Work?

Getting started is easy, with Health Benefits being the only required module.

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Health Benefits

Choose between: Entry, Essential, and Enhanced

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Optional Drug Benefits

Choose between: Essential and Enhanced

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Optional Dental Benefits

Choose between: Entry, Essential, and Enhanced

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Optional Specialty Modules

Choose from: Assured Access, Critical Illness, and Hospital Cash

Assured Access

What is Assured Access?

Group health benefits or previous plans can be lost for multiple reasons, including career changes, a long-term disability, a leave of absence, or retirement. With Assured Access, you don’t have to worry about leaving your health coverage behind when you change jobs, leave jobs, or retire.

How Does it Work?

It takes a snapshot of your health situation today and guarantees your access to a personal health plan that would cover any new medical conditions that develop after that time. If you’re concerned about the loss of your previous plans health benefits, Assured Access can provide long term security for you and for your family.

The Perks

A Full Wellness Program

Assured Access provides access to inConfidence, our full service, confidential, assistance program. inConfidence offers one-on-one counselling and support 24 hours a day,  over the phone and in-person.

Cash Benefit

In the event that you or one of your eligible dependents suffers an accident resulting in accidental death or dismemberment, Assured Access will provide you with a cash benefit of up to $10,000, to be spent at your discretion.

Waive Waiting Periods

If you have other health coverage that is ending, waiting periods for health (e.g. vision care and hearing aids) and hospital benefits can be waived. If you wish to have dental benefits and had dental coverage under your group plan, the dental waiting periods can be waived as well.

Charge Premiums Against Your Income Tax or to Your HSA

Premiums for Assured Access can be added to your other medical expenses when calculating tax credits and premiums can qualify towards your group Health Spending Account.

Other Individual Options

Life Insurance

Life insurance provides your loved ones with a tax-free payment after you pass away that can be used at their discretion. There are many reasons why life insurance should be a key part of your household’s financial plan

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To supplement your lost income so your family can continue their quality of life
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To provide coverage to pay off the mortgage and other debts to relieve them of financial burdens
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In preparation for final expenses as you grow older

Individual Dental

Get 70% Coverage For

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Preventive services, X-rays, & Exams
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Restorative services, Surgical services & Root canal therapy
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Denture services

Guaranteed Issue

While Elements plans offer comprehensive coverage and best overall value, medical  questions can disqualify some applicants. But that's no reason to give  up, because there is an alternative.

The Guaranteed Issue Health Plan provides basic coverage for routine medical expenses and, with no medical underwriting, our Guaranteed Issue  Health Plan covers pre-existing conditions.

The plan includes a range of health benefits and offers two options  for adding drug coverage. For members planning trips out of province,  there is also optional travel coverage.

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