Retiree plans

Congratulations on your retirement! Continue to enjoy quality coverage and have peace of mind after you leave the workplace. Apply within 60 days of termination of your group benefit plan and no medical review is required.  

To be eligible, you must be between the ages of 55 and 70 at the time of application and retired from a group benefit plan within the past six months.

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

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Retiree Plans FAQs

Plans comparison

Select the Retiree plan option that best suits your needs and budget.
Coverage amounts are per person and renew annually unless otherwise noted.
Features
Retiree Basic
Retiree Standard (Most popular!)
Health
Prescription drugs
$1,000/year
$2,000/year
Practitioner I services
Includes treatment/service(s) by an athletic therapist, chiropractor, foot care nurse (Retiree Basic), occupational therapist, physiotherapist, podiatrist, registered clinical psychologist or social worker with an MSW or RSW.
$300/year
$450/year
Practitioner II services
Includes treatment/service(s) by an acupuncturist, foot care nurse (Retiree Standard), homeopath, naturopath, nutritional counsellor, osteopath or registered massage therapist.
$300/year
Hearing aids
$500/5 years
$500/5 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.
done
done
Dental
Accidental dental
done
done
Preventative dental
Includes standard checkups, cleanings, fillings, extractions, root canals and surgery.
$500/year
$1,000/year combined with restorative dental
Restorative dental
Include extensive restorations (e.g. crowns, inlays, bridges) and dentures.
$1,000/year combined with preventative dental
Vision
Vision
Includes one eye exam and the purchase or repair of frames and/or lenses, including contact lenses.
$150/2 years
Ambulance / Hospital
Ambulance
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
Travel
Travel within Canada
done
done
Travel outside Canada
60 days to age 75
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
Accidental death and dismemberment
AD&D
$15,000
$20,000
Assistance program
Counselling and support
done
All information listed here provides an overview of retiree plans offered by Manitoba Blue Cross. This is not a contract or a complete listing of benefits. Accidental Death & Dismemberment 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've retired over six months ago, learn about individual & family plans.

Plans details

Retiree Basic

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 80% for prescription drugs up to $1,000 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 $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).

Hearing aids

Coverage of 80% up to $500 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 $500 for standard checkups, cleanings, fillings, extractions, root canals, denture relines and surgery, and $1,000 for each subsequent year (combined total with restorative total).

Ambulance

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

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).

Accidental death & dismemberment

Coverage of $15,000 in the event of the accidental death, loss of limb or sight of a participant.

Retiree Standard

Our most popular retiree plan option that enhances the health and dental coverage in our basic plan with higher coverage maximums and additional coverage including international travel, massage therapy, vision and restorative dental.

Prescription drugs

Coverage of 80% for prescription drugs up to $2,000 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 $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 80% (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 80% up to $500 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 $1,000 per year (combined with restorative) for standard checkups, cleanings, fillings, extractions, root canals, denture relines and surgery, and$1,000 for each subsequent year (combined total with restorative total).

Restorative dental

Coverage of 50% up to $1,000 per year (combined with preventative) for extensive restorations (e.g. dentures, crowns, inlays, bridges).

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 Manitoba including treatment with no transport, medical transfer up to $500 per five years and emergency air ambulance up to $5,000 per trip ($10,000 per person per year), and out-of-province ambulance up to $500 per trip.

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) and up to $5 million lifetime outside of Canada (60-day trip maximum with a 90-day stable period), including access to travel assistance. (Travel outside of Canada is only covered up to age 75.)

Accidental death & dismemberment

Coverage of $20,000 in the event of the accidental death, loss of limb or sight 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.