Individual & family plans
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.
Plans comparison
Not the best fit?
- If you’re retiring soon, learn about our retiree plans.
- If you’ve recently left a group benefits plan, learn more about our conversion plan.
- If you’re looking for a plan without dental coverage, contact an advisor.
- If you’re looking for a basic plan with ambulance and hospital coverage, learn about our accident plan.
Plan 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.
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.
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 and podiatrist, and (up to $50 per visit) for a treatment or service by a registered clinical psychologist, counsellor or social worker with an MSW or RSW.
70% for accidental dental up to $1,000 per accident
70% up to $300 per year for standard checkups, cleanings, fillings, extractions, root canals or surgery.*
*Three-month waiting period in effect
Coverage of 100% for emergency ambulance services within Manitoba and medical transfer up to $500 lifetime including treatment with no transport.
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.
Coverage of $10,000 in the event of the accidental death of a participant.
Blue Cross members are also eligible for savings through our Blue Advantage® discount program. Save on medical and vision products and services and more from participating providers across Canada, both in-person and online. Learn more about our Blue Advantage program.
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.
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.
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 and podiatrist, and (up to $50 per visit) for a treatment or service by a registered clinical psychologist, counsellor or social worker with an MSW or RSW.
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.
Coverage of $500 every five years.
Coverage of 75% for breathing equipment (e.g. CPAP), crutches, splints, casts, hospital beds, special equipment, walkers, wheelchairs and wigs.
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.
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.
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.
Coverage of $150 combined every two years towards an eye exam and the purchase or repair of frames and/or lenses, including contact lenses.
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).
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 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.
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.
Coverage of $15,000 in the event of the accidental death of a participant.
Coverage for six counselling sessions per year through qualified clinicians and access to internet-based cognitive behavioural therapy (iCBT).
Blue Cross members are also eligible for savings through our Blue Advantage® discount program. Save on medical and vision products and services and more from participating providers across Canada, both in-person and online. Learn more about our Blue Advantage program.
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.
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.
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 and podiatrist, and (up to $50 per visit) for a treatment or service by a registered clinical psychologist, counsellor or social worker with an MSW or RSW.
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.
Coverage of $700 every five years.
Coverage of 80% for breathing equipment (e.g. CPAP), crutches, splints, casts, hospital beds, special equipment, walkers, wheelchairs and wigs.
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.
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.
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.
Coverage of 50% up to $1,000 lifetime. Two-year waiting period in effect.
Coverage of $250 combined every two years towards an eye exam and the purchase or repair of frames and/or lenses, including contact lenses.
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).
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 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.
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.
Coverage of $25,000 in the event of the accidental death of a participant.
Coverage for six counselling sessions per year through qualified clinicians and access to internet-based cognitive behavioural therapy (iCBT).
Blue Cross members are also eligible for savings through our Blue Advantage® discount program. Save on medical and vision products and services and more from participating providers across Canada, both in-person and online. Learn more about our Blue Advantage program.
Get answers to your questions before buying a plan. Have a question about an existing plan? Find more FAQs here or contact us.
You must be a Manitoba resident, registered with and entitled to benefits from Manitoba Health or be a resident of Nunavut.
Your benefits will become effective on the first of the month following the effective date. There is a three-month paid waiting period* for dental.
*If you are transitioning from another plan with comparable coverage, we will waive the waiting period provided you apply within 60 days of loss of coverage.
You may be eligible to re-apply. Contact Manitoba Blue Cross or your insurance broker/agent.
If you apply for Blue Choice Conversion within 60 days of your employer group health and dental benefits coverage ending from any recognized Canadian group benefits plan, there is no medical questionnaire and approval is guaranteed, so you’re covered for any pre-existing conditions. There is also no waiting period on dental benefits on Blue Choice Conversion. But answering the medical questionnaire for a standard individual health plan may result in a plan with a higher drug maximum and be more economical.
Manitobans who are leaving a group health and dental benefits plan from any recognized Canadian group benefits plan are eligible for Blue Choice Conversion. You must apply within 60 days of the employer group coverage ending to qualify. Approval is guaranteed with no medical questionnaire.*
*Answering the medical questionnaire for a standard individual health plan from Manitoba Blue Cross may result in a plan with a higher drug maximum and be more economical.
There is no waiting period on dental benefits for Blue Choice Conversion if you apply within 60 days of your employer group health and dental benefits coverage ending from any recognized Canadian group benefits plan.
Yes, we have personal health plans available that do not include dental coverage, including plans for individuals, families and retirees. For more details, please contact an advisor.
To help make dental care more affordable for many Canadians,the Canadian Dental Care Plan from the Government of Canada is available for eligible individuals and families who do not have dental coverage (excluding accidental dental). To ensure qualified Manitobans are still able to receive this assistance while also maintaining benefits for their overall health, Manitoba Blue Cross offers robust benefit plans with no dental coverage. For more details about our plans without dental, please contact an advisor.
The Canadian Dental Care Plan (CDCP) is intended to help those who have no access to dental insurance, including through private or employer-sponsored plans. Only those who do not have access to dentalcoverage are eligible to apply for the CDCP. Therefore, if you have an existingManitoba Blue Cross plan with dental coverage, you will not be eligiblefor the CDCP. (This excludes accidental dental benefits.) You can learn moreabout the CDCP eligibility criteria on the Government of Canada’s website. Todiscuss no dental plan options available, please contact an advisor.
The Canadian Dental Care Plan (CDCP) from the Government of Canada is for those who have no dental insurance, excluding accidental dental benefits. If you only have accidental dental benefits through your individual or employer’s health benefits plan, you may still be eligible forthe CDCP. You can learn more about the CDCP eligibility criteria on the Government of Canada’s website.
Learn more about the Canadian Dental Care Plan and eligibility criteria on the Government of Canada’s website.
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 your local health benefits 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, osteopathy 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.