: Higher premiums lead to lower co-payments and deductibles at the time of service.
Blue Cross typically uses a tiered system (Bronze, Silver, Gold) or optional add-ons to create a buy-up experience:
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). buy up plan blue cross
: 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
: Often covers essential services like generic prescriptions, basic dental, and paramedical services (e.g., massage, physiotherapy) at lower reimbursement rates (e.g., 70-80%). : Higher premiums lead to lower co-payments and
: Access to "managed formularies" or specialty drugs (like Ozempic for Type 2 diabetes) that may be restricted on basic plans.
Dental only | When all you need is dental| Personal health insurance Key Benefits of Buying Up : Often covers
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.