Dental only | When all you need is dental| Personal health insurance
Blue Cross offers several "buy-up" or tiered structures across its regional Canadian divisions (like Ontario Blue Cross , Alberta Blue Cross, and Pacific Blue Cross).
: Standard plans often exclude orthodontics or expensive restorative work; buy-up options typically include these after a waiting period (often 12–24 months). buy up plan blue cross
In insurance, a (often called an "option" or "enhanced" plan) allows employees or individuals to pay an additional premium to receive higher coverage limits, lower deductibles, or extra benefits beyond a standard base plan.
: Often covers essential services like generic prescriptions, basic dental, and paramedical services (e.g., massage, physiotherapy) at lower reimbursement rates (e.g., 70-80%). Dental only | When all you need is
: Access to "managed formularies" or specialty drugs (like Ozempic for Type 2 diabetes) that may be restricted on basic plans.
: For a higher monthly cost, you can increase reimbursement to 90-100% or add benefits like major dental (crowns/bridges), vision care, or higher annual maximums for prescription drugs. Key Benefits of Buying Up Key Benefits of Buying Up : Buy-up plans
: Buy-up plans often bundle "Value-Add" programs like the Blue Advantage discount program or virtual care services. Common Buy-Up Categories