individual health Within your reach

Transcription

1 individual health Within your reach

2 individual health Thousands of Alberta seniors are enjoying the practical and affordable benefits of Seniors Plus. You can, too! As an Alberta-based, not-for-profit organization, Alberta Blue Cross is committed to serving your best interests. Our Seniors Plus plans are designed to meet your needs, at a price you can afford. Apply today!

3 Are your supplementary health needs being met? Alberta Blue Cross has been serving Albertans for generations. We ve built our plans by listening to you. While government health programs for seniors remain comprehensive, you ve asked us for additional coverage to meet your needs. Seniors Plus plans complement your government sponsored benefits with extra coverage to help you maintain your health and manage costs. Seniors Plus includes coverage for dental and vision care, preferred hospital accommodation, eye glasses, chiropractor and podiatrist, and also includes an accidental death benefit. Seniors Plus makes good sense Budget for a healthy lifestyle With Seniors Plus, you can spread health costs over monthly payments, budget expenses, avoid surprises, and support a healthy lifestyle. Gain a tax advantage Your Seniors Plus premiums qualify as a medical expense and can be added to other medical expenses when calculating personal income tax credits. And there is no medical review to qualify. Choose the caring experts Leaders in health care Alberta Blue Cross is more than a familiar name we ve been a key provider of supplementary health care benefits for over 60 years. We administer government-sponsored programs including the Coverage for Seniors program. As the largest provider of health and dental benefits in the province, we cover more than 1.5 million Albertans. Serving your best interests Alberta Blue Cross is not an insurance company or a government agency. We are an Alberta-based, independent, not-for-profit organization that means we serve your best interests. Any surplus we generate is invested back into the products and services we offer to Albertans. Select the Seniors Plus plan for you There are four Seniors Plus plans, each designed to balance your financial and medical needs. Please review the plan choices and select one today. Just look inside for more details...

4 individual health Seniors Plus complements your government-sponsored coverage with practical benefits to help you maintain and protect your health. Please review the plan choices and select one today. There are four Seniors Plus plans. Each is designed to meet your needs for today and tomorrow. Seniors Plus Plan A $500 per participant each benefit year. Chiropractor: Up to $20 per visit to a maximum of $150 per participant each benefit year for services provided by a chiropractor. Chiropodist/Podiatrist: Up to $12.50 per visit to a maximum of $125 per participant each benefit year for services provided by a chiropodist or podiatrist in excess of government program maximums. Blood Testing Monitor: Up to a maximum of $150 once in any five year period. 65% basic dental for check-ups, cleanings, fillings, extractions and root canals to a maximum of $500 per participant each benefit year. 70% coverage up to a maximum of $150 per participant $10,000 in the event of an accidental death of a underwritten by the Blue Cross Life Insurance Company of Canada. Seniors Plus Plan B $1,000 per participant each benefit year. Chiropractor: Up to $20 per visit to a maximum of $250 per participant each benefit year for services provided by a chiropractor. Chiropodist/Podiatrist: Up to $12.50 per visit to a maximum of $250 per participant each benefit year for services provided by a chiropodist or podiatrist in excess of government program maximums. Diabetic Supplies: 70% coverage up to a maximum of $200 per participant each benefit year. Accidental Dental: Up to a maximum of $1,000 for the repair, extraction or replacement of natural teeth. Blood Testing Monitor: Up to a maximum of $150 once in any five year period. First Benefit Year 70% basic dental for check-ups, cleanings, fillings, extractions and root canals to a maximum of $500 per Second and Subsequent Benefit Years 65% extensive dental for periodontics, dentures, crowns, bridges and implants to a combined basic and extensive dental maximum of $850 per Please note: periodontics, dentures, crowns, bridges and implants are second year dental benefits. There is a one year waiting period for these benefits. 70% coverage up to a maximum of $200 per participant $15,000 in the event of an accidental death of a underwritten by the Blue Cross Life Insurance Company of Canada.

5 Seniors Plus Plan C $1,500 per participant each benefit year. Chiropractor: Up to $25 per visit to a maximum of $300 per participant each benefit year for services provided by a chiropractor. Chiropodist/Podiatrist: Up to $15 per visit to a maximum of $300 per participant each benefit year for services provided by a chiropodist or podiatrist in excess of government program maximums. Diabetic Supplies: 70% coverage up to a maximum of $200 per participant each benefit year. Accidental Dental: Up to a maximum of $2,000 for the repair, extraction or replacement of natural teeth. Blood Testing Monitor: Up to a maximum of $200 once in any five year period. First Benefit Year 70% basic dental for check-ups, cleanings, fillings, extractions and root canals to a maximum of $600 per Second and Subsequent Benefit Years 65% extensive dental for periodontics, dentures, crowns, bridges and implants to a combined basic and extensive dental maximum of $1,100 per Please note: periodontics, dentures, crowns, bridges and implants are second year dental benefits. There is a one year waiting period for these benefits. 70% coverage up to a maximum of $250 per participant $20,000 in the event of an accidental death of a underwritten by the Blue Cross Life Insurance Company of Canada. Seniors Plus Plan D new $1,500 per participant each benefit year. Physiotherapist/Chiropractor: Up to $25 per visit to a combined maximum of $300 per participant each benefit year for services provided by a physiotherapist or chiropractor. Chiropodist/Podiatrist: Up to $15 per visit to a maximum of $300 per participant each benefit year for services provided by a chiropodist or podiatrist in excess of government program maximums. Diabetic Supplies: 70% coverage up to a maximum of $200 per participant each benefit year. Accidental Dental: Up to a maximum of $2,000 for the repair, extraction or replacement of natural teeth. Blood Testing Monitor: Up to a maximum of $200 once in any five year period. First Benefit Year 80% basic dental for check-ups, cleanings, fillings, extractions and root canals to a maximum of $750 per Second and Subsequent Benefit Years 65% extensive dental for periodontics, dentures, crowns, bridges and implants to a combined basic and extensive dental maximum of $1,350 per Please note: periodontics, dentures, crowns, bridges and implants are second year dental benefits. There is a one year waiting period for these benefits. 70% coverage up to a maximum of $300 per participant $20,000 in the event of an accidental death of a underwritten by the Blue Cross Life Insurance Company of Canada. Travel Coverage Discount All Seniors Plus participants are eligible for a 10 per cent discount on Alberta Blue Cross out-of-province emergency medical travel coverage. Blue Advantage A special program for plan members that offers cost savings on medical, vision care and many other health-related products and services. This brochure provides an overview of Seniors Plus plans offered by Alberta Blue Cross. It is not a contract or a complete description of all benefits.

6 It s easy to apply individual health 1. Select the plan that suits your needs. 2. Refer to the Rate Chart that accompanies this brochure. 3. Complete all parts of the application form. Be sure to sign and date the application. Incomplete information will cause delays. 4. Forward your fully completed application by , fax or mail. When your application is accepted, coverage will begin the first day of the month following the acceptance of your application. Dental coverage waiting periods apply. Don t delay, you never know when an illness or accident may occur. If you have any questions, just call us! There s an Alberta Blue Cross representative ready to help you. Enjoy the benefits of a Seniors Plus plan, apply today in Edmonton in Calgary Claim and benefit inquiries: Alberta Blue Cross Individual Health Plans Street Edmonton, AB T5J 3C5 * The Blue Cross symbol and name are registered marks of the Canadian Association of Blue Cross Plans, an association of independent Blue Cross plans. Licensed to ABC Benefits Corporation for use in operating the Alberta Blue Cross Plan. Blue Shield is a registered trade-mark of the Blue Cross Blue Shield Association. ABC /04