Individual & family plans

We are Manitoba's #1 provider of cost-effective health coverage. Whether you're self-employed, working part time or without workplace benefits, a Blue Choice personal health plan with us will help you and your family access quality benefits, while providing peace of mind.

Purchasing a personal health plan or have questions about them? Contact a Manitoba Blue Cross advisor.

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Blue Choice brochure
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Tax savings

Plans comparison

Select the Blue Choice personal plan option that best suits your needs and budget.
Coverage amounts are per person and renew annually on the anniversary date unless otherwise noted.
Features
Plan A
Plan B (Most popular!)
Plan C
Health
Prescription drugs
$300/year
$2,500/year
$5,000/year
Practitioner I services
Includes treatment/service(s) by an athletic therapist, chiropractor, foot care nurse (Plan A), occupational therapist, physiotherapist, podiatrist, registered clinical psychologist or a social worker with an MSW or RSW.
$300/year
$450/year
$600/year
Practitioner II services
Includes treatment/service(s) by an acupuncturist, foot care nurse (Plan B & Plan C), homeopath, naturopath, nutritional counsellor, osteopath or registered massage therapist.
$300/year
$450/year
Hearing aids
$500/5 years
$700/5 years
Medical equipment
Includes breathing equipment (e.g. CPAP), crutches, splints, casts, hospital beds, special equipment, walkers, wheelchairs and wigs.
done
done
Other health benefits
Includes accidental dental, artificial limbs/eyes, assisted care, braces, cervical collars, elastic stockings, compression garments, breast prostheses, surgical bras, cardiac rehabilitation, day surgery assisted care, orthopedic shoes, orthotics and private duty nursing. Note: Plan A only includes accidental dental.
done
done
done
Dental
*After defined wait period
Preventative dental
Includes standard checkups, cleanings, fillings, extractions, root canals and surgery.
$300/year
$1,000/year
$1,200/year
Restorative dental*
Includes extensive restorations (e.g. crowns, inlays, bridges) and dentures.
done
done
Orthodontics*
done
Vision
Vision
Includes one eye exam and the purchase or repair of frames and/or lenses, including contact lenses.
$150/2 years
$250/2 years
Ambulance/hospital
Ambulance
done
done
done
Semi-private room
done
done
Hostel care
Includes hostel accommodation when medical treatment/diagnostic testing is required in a hospital located outside a 60-kilometer radius of the participant's home.
done
done
Virtual health services
Virtual care
done
done
done
Travel
Travel within Canada
done
done
Travel outside Canada
10% discount
10% discount
Travel assistance
Includes 24-hour access to travel assistance in emergency situations (e.g. arrangement of emergency evacuation, assistance locating medical care, coverage confirmation, translation services, etc.)
done
done
Accidental death
Accidental death
$10,000
$15,000
$25,000
Assistance program
Counselling and support
done
done
All information listed here provides an overview of Blue Choice plans offered by Manitoba Blue Cross. This is not a contract or a complete listing of benefits. Accidental Death benefits are underwritten by Blue Cross Life Insurance Company of Canada, an independent licensee of the Canadian Association of Blue Cross Plans.

Not the best fit?

If you're looking for a basic plan with ambulance and hospital coverage, learn about our accident plan. Or if you're retiring soon, one of our retiree plans might be right for you.

Plans details

Blue Choice Plan A

A comprehensive plan that includes coverage for your basic health needs that are not covered by Manitoba Health, including ambulance, dental, prescription drugs and some practitioner services.

Prescription drugs

Coverage of 70% for prescription drugs up to $300 per year. Includes a pay direct drug card so you do not have to pay upfront for prescriptions.

Practitioner I services

Coverage of 70% (up to $35 per visit) to a combined total of $300 per year for a treatment or service by an athletic therapist, chiropractor, foot care nurse (maximum $25 per visit), occupational therapist, physiotherapist, podiatrist, registered clinical psychologist (maximum $50 per visit) or social worker with an MSW or RSW (maximum $50 per visit).

Other health benefits

70% for accidental dental up to $1,000 per accident

Preventative dental

70% up to $300 per year for standard checkups, cleanings, fillings, extractions, root canals or surgery.*

*Three-month waiting period in effect

Ambulance

Coverage of 100% for emergency ambulance services within Manitoba and medical transfer up to $500 lifetime including treatment with no transport.

Virtual care

Virtual access to a wide network of medical professionals 24/7,  including condition-specific care, prescription management, private consultation and referrals to specialists or for diagnostic testing.

Accidental death

Coverage of $10,000 in the event of the accidental death of a participant.

Blue Choice Plan B

Our most popular plan that provides the essential coverage you need for complete health and dental coverage. Includes everything in Plan A with higher coverage maximums and additional coverage such as massage therapy, vision, hospital care, counselling and travel coverage.

Prescription drugs

Coverage of 75% for prescription drugs up to $2,500 per year. Includes a pay direct drug card so you do not have to pay upfront for prescriptions.

Practitioner I services

Coverage of 75% (up to $35 per visit) to a combined total of $450 per year for a treatment or service by an athletic therapist, chiropractor, occupational therapist, physiotherapist, podiatrist, registered clinical psychologist (maximum $50 per visit) or social worker with an MSW or RSW (maximum $50 per visit).

Practitioner II services

Coverage of 75% (up to $35 per visit) to a combined total of $300 per year for a treatment or service by an acupuncturist, foot care nurse (maximum $25 per visit), homeopath, naturopath, nutritional counsellor, osteopath or registered massage therapist.

Hearing aids

Coverage of $500 every five years.

Medical equipment

Coverage of 75% for breathing equipment (e.g. CPAP), crutches, splints, casts, hospital beds, special equipment, walkers, wheelchairs and wigs.

Other health benefits

Coverage of 75% for accidental dental, artificial limbs/eyes, assisted care, braces, cervical collars, elastic stockings, compression garments, breast prostheses, surgical bras, cardiac rehabilitation, orthopedic shoes, orthotics and private duty nursing.

Preventative dental

Coverage of 75% up to $500 for the first year for standard checkups, cleanings, fillings, extractions, root canals or surgery. Three-month waiting period in effect after plan purchase.

Coverage of 75% up to $1,000 for each subsequent year (combined total with restorative total). One-year waiting period in effect.

Restorative dental

Coverage of 50% up to $1,000 per year (combined with preventative total) for extensive restorations (e.g. crowns, inlays, bridges) and dentures. One-year waiting period in effect.

Vision

Coverage of $150 combined every two years towards an eye exam, the purchase or repair of frames and/or lenses, including contact lenses.

Ambulance

Coverage of 100% for emergency ambulance services within Canada, including treatment with no transport, medical transfer up to $500 lifetime, and emergency air ambulance up to $5,000 per trip ($10,000 per person, per year).

Hospital

Coverage of 100% for semi-private room or $20 per day in lieu if one is not available (up to 30 days) and hostel accommodation when medical treatment/diagnostic testing is required in a hospital more than 60 kilometres from the participant’s home.

Virtual care

Virtual access to a wide network of medical professionals 24/7,  including condition-specific care, prescription management, private consultation and referrals to specialists or for diagnostic testing.

Travel

Coverage for travel within Canada up to $5 million lifetime (no trip length maximum), including access to travel assistance. Plus save 10% on the purchase of travel coverage for trips outside of Canada.

Accidental death

Coverage of $15,000 in the event of the accidental death of a participant.

Assistance program

Coverage for six counselling sessions per year through qualified clinicians.

Blue Choice Plan C

Our most robust plan that enhances the health and dental coverage in our other plans with higher coverage maximums and additional coverage for orthodontics.

Prescription drugs

Coverage of 80% for prescription drugs up to $5,000 per year. Includes a pay direct drug card so you do not have to pay upfront for prescriptions.

Practitioner I services

Coverage of 80% (up to $35 per visit) to a combined total of $600 per year for a treatment or service by an athletic therapist, chiropractor, occupational therapist, physiotherapist, podiatrist, registered clinical psychologist (maximum $50 per visit) or social worker with an MSW or RSW (maximum $50 per visit).

Practitioner II services

Coverage of 80% (up to $35 per visit) to a combined total of $450 per year for a treatment or service by an acupuncturist, foot care nurse (maximum $25 per visit), homeopath, naturopath, nutritional counsellor, osteopath or registered massage therapist.

Hearing aids

Coverage of $700 every five years.

Medical equipment

Coverage of 80% for breathing equipment (e.g. CPAP), crutches, splints, casts, hospital beds, special equipment, walkers, wheelchairs and wigs.

Other health benefits

Coverage of 80% for accidental dental, artificial limbs/eyes, assisted care, braces, cervical collars, elastic stockings, compression garments, breast prostheses, surgical bras, cardiac rehabilitation, day surgery assisted care, orthopedic shoes, orthotics and private duty nursing.

Preventative dental

Coverage of 80% up to $600 for the first year for standard checkups, cleanings, fillings, extractions, root canals or surgery. Three-month waiting period in effect after plan purchase.

Coverage of 80% up to $1,200 for each subsequent year (combined total with restorative total). One-year waiting period in effect.

Restorative dental

Coverage of 50% up to $1,200 per year (combined with preventative total) for extensive restorations (e.g. crowns, inlays, bridges) and dentures. One-year waiting period in effect.

Orthodontics

Coverage of 50% up to $1,000 lifetime. Two-year waiting period in effect.

Vision

Coverage of $250 combined every two years towards an eye exam, the purchase or repair of frames and/or lenses, including contact lenses.

Ambulance

Coverage of 100% for emergency ambulance services within Canada, including treatment with no transport, medical transfer up to $500 lifetime, and emergency air ambulance up to $5,000 per trip ($10,000 per person, per year).

Hospital

Coverage of 100% for semi-private room or $20 per day in lieu if one is not available (up to 60 days) and hostel accommodation when medical treatment/diagnostic testing is required in a hospital more than 60 kilometres from the participant’s home.

Virtual care

Virtual access to a wide network of medical professionals 24/7,  including condition-specific care, prescription management, private consultation and referrals to specialists or for diagnostic testing.

Travel

Coverage for travel within Canada up to $5 million lifetime (no trip length maximum), including access to travel assistance. Plus save 10% on the purchase of travel coverage for trips outside of Canada.

Accidental death

Coverage of $25,000 in the event of the accidental death of a participant.

Assistance program

Coverage for six counselling sessions per year through qualified clinicians.

This information provides an overview of plans offered by Manitoba Blue Cross. This is not a contract or a complete listing of benefits. For more information, call 204-788-6858 or toll-free 1-800-873-2583.

Why choose Manitoba Blue Cross?

Join Manitoba’s #1 health plan provider.

  • You are our priority. As a not-for-profit, we prioritize you, not the bottom line. Every dollar we make is reinvested back into our products and services, as well as our communities and people.
  • Your mental health is important to us. Mental health is an intrinsic part of health and well-being, as much as dental and vision care. That’s why we support you with mental health coverage in several of our plans, including professional counselling.
  • You get comprehensive, specialized coverage. With a Manitoba Blue Cross plan, you get the coverage you need, including specialized offerings, such as foot care nurse, athletic therapy coverage, hostel care and treat-no-transport ambulance coverage. We also offer paramedical benefits such as homeopathy, osteopath and nutritional counselling.
  • You’re part of the renowned Blue Cross network: We offer products from the most recognized and trusted name in health coverage in Canada.
  • We are a local business. With a walk-in customer service centre conveniently located in Winnipeg, excellent relationships with your health care practitioners and a focus on our community, being a Manitoba business is about more than just our postal code.
  • You can access services your way. From our award-winning call centre and walk-in customer service centre to 24/7 access to claim and benefit information online and through our mobile app, you can find information, assistance and resources quickly and easily.
  • Your convenience is key. With direct billing, your health care costs can often be paid directly to the service providers, so you are not out of pocket while you wait for reimbursement.