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Pacific Blue Cross: Health Insurance Plans for Seniors
Pacific Blue Cross is dedicated to providing comprehensive health insurance solutions tailored to meet the needs of seniors in British Columbia. With a range of products designed to cover healthcare costs, you can enjoy peace of mind in your retirement years. Explore our key health plans and find the coverage that’s right for you.
Products Comparison
Guaranteed Acceptance Plan
Flexible coverage for those with existing health
conditions.
No waiting period on most benefits
Acceptance Guaranteed - No medical questionnaire
Coverage specifically for mental wellness
Enhanced coverage for new and expecting parents
Retirement Health Plan
Flexible retirement health plans with the most
coverage
Retiring from an employer-paid plan
The most coverage for British Columbians
Flexibility to adjust your coverage
Guaranteed acceptance
Guaranteed Acceptance Plan
The Guaranteed Acceptance Plan is perfect for seniors seeking hassle-free health coverage without the need for medical exams or health questionnaires. Whether you are looking for extended health benefits, prescription drug coverage, or optional dental care, this plan offers reliable protection with guaranteed acceptance.
Key Features & Benefits
Guaranteed Acceptance: No medical exams or health questionnaires required—your acceptance is 100% guaranteed, even if you have pre-existing conditions.
Prescription Drug Coverage: Coverage for eligible prescription medications, making it easier to manage your healthcare costs.
Extended Health Benefits: Includes coverage for essential health services such as:
Vision care (e.g., prescription glasses and lenses)
Hearing aids
Paramedical services (e.g., physiotherapy, chiropractic, massage therapy, acupuncture)
Medical Equipment & Supplies: Coverage for medical aids such as mobility devices, prosthetics, and supplies necessary for your health management.
Optional Dental Coverage: Add-on dental insurance is available for basic routine care, including:
Cleanings
Examinations
Fillings
Extractions and more
Simple Premium Structure: Affordable premiums based on your age and location, ensuring that health coverage fits into your budget.
No Waiting Periods: Coverage starts immediately, so you can begin accessing benefits right away.
Who is it For?
Seniors who want immediate and reliable health coverage.
Individuals with pre-existing conditions who may not qualify for other plans.
Those looking for basic extended health benefits and the option to add dental coverage.
How to Apply
Applying is simple—no medical exams or lengthy forms. You are automatically approved for coverage when you apply, making this plan ideal for those who want quick, stress-free enrollment.
Retirement Health Plan
The Retirement Health Plan is designed for individuals transitioning from workplace group benefits to personal coverage, or those who need a higher level of health care coverage as they age. With various levels of coverage, this plan is ideal for retirees seeking extensive healthcare support.
Key Features & Benefits
Comprehensive Health Coverage: This plan offers a wide range of health benefits, including:
Prescription drug coverage
Vision care and hearing aids
Extensive paramedical services (e.g., physiotherapy, chiropractic care, naturopathy)
Medical equipment and supplies (e.g., walkers, prosthetics)
Out-of-Province Emergency Medical Coverage: If you travel within Canada or abroad, the plan provides emergency medical coverage, giving you peace of mind wherever you go.
Customizable Dental Coverage: Dental coverage is available in different tiers:
Basic: Routine care like cleanings, exams, and fillings
Major Restorative: Coverage for crowns, bridges, and dentures
Orthodontics: For eligible individuals, coverage for orthodontic procedures such as braces
Flexible Coverage Options: Choose from different tiers of coverage, allowing you to select a plan that matches your healthcare needs and budget.
Transition from Group Benefits: Perfect for those coming off employer health plans, this plan helps you maintain continuity in your healthcare coverage.
Support for Long-Term Health Needs: Ideal for seniors who need ongoing health support and comprehensive coverage for a variety of medical services and supplies.
Who is it For?
Retirees transitioning from employer-sponsored health plans.
Seniors looking for more comprehensive health insurance coverage.
Those who travel frequently and need out-of-province emergency medical coverage.
Individuals seeking extensive dental coverage options.
Tiers of Coverage
The Retirement Health Plan offers several tiers to meet different needs:
Basic Coverage: Offers essential coverage, including extended health benefits and some prescription drug coverage.
Enhanced Coverage: Provides a more comprehensive range of services, including higher limits on paramedical services and dental coverage.
Premium Coverage: Ideal for those who want full coverage, including extensive paramedical services, travel insurance, and higher dental limits, including orthodontics.
How to Apply
You can apply online or over the phone. Medical underwriting may be required for some coverage options, especially for premium tiers or if pre-existing conditions are present.
Why Choose Pacific Blue Cross?
Pacific Blue Cross is the leading health benefits provider in British Columbia, offering affordable, accessible, and comprehensive insurance solutions that cater to the unique needs of seniors. Here’s why you should choose us:
Comprehensive Coverage: Whether you want basic or full health coverage, our plans can be customized to fit your needs.
Flexibility: Choose from a range of coverage options and tiers that suit your lifestyle and health requirements.
Affordable Premiums: With flexible pricing based on your age, health status, and location, our plans are designed to fit within your retirement budget.
Wide Provider Network: Access a vast network of healthcare providers across BC for seamless health services and support.
Trusted Experience: With decades of experience, Pacific Blue Cross is the trusted health benefits provider for seniors across the province.
Frequently Asked Questions
Which plan is right for me?
If you want hassle-free, guaranteed coverage without medical exams, the Guaranteed Acceptance Plan is a great choice. If you’re retiring from a group plan or want more comprehensive coverage, the Retirement Health Plan offers flexible options.
Can I add dental coverage to both plans?
Yes, both plans offer optional dental coverage. The Retirement Health Plan provides multiple tiers, allowing you to choose the level of dental care that meets your needs.
Are prescription drugs covered under both plans?
Yes, both plans offer prescription drug coverage, though the specifics vary based on the plan and tier selected.
Does the Retirement Health Plan cover travel insurance?
Yes, the Retirement Health Plan includes out-of-province emergency medical coverage, making it an excellent choice for frequent travelers.
Can I switch from one plan to another?
You can switch between plans during the renewal period or when your healthcare needs change, subject to certain conditions and underwriting requirements.
At Senior Secure Canada, we specialize in providing financial solutions that ensure guaranteed income for life, helping you retire with peace of mind. With personalized strategies tailored to your needs, we help you navigate retirement without the stress of market risks.
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