Complete an Application - Conversion Personal Health Plan

This guide is essential for anyone transitioning from group or other Blue Cross personal health coverage to the Conversion Personal Health Plan, ensuring a seamless application process without any gaps in coverage.

2 minutes

Bluecross

About the Conversion Personal Health Plan

The [Conversion Personal Health Plan](https://www.sk.bluecross.ca/personal-insurance/health-insurance/conversion-coverage-details/) offers guaranteed acceptance and no interruption in coverage for who are losing or have lost coverage due to: - Job loss/lay off - Retirement - Students leaving their parents group plan/post-secondary group plan - Employees on leave (personal leave, paternity/pregnancy leave, leave of absence where benefits will not extend coverage during the leave) - Transitioning from another provincial Blue Cross personal plan ***Note:*** *This plan must be **applied for and secure coverage within 90 days** of termination of coverage to be eligible.*

Getting started

Before getting started, please confirm that all applicants have provincial health coverage and currently have, or have applied for, a Saskatchewan Health Services Card. Click **"Yes"** to confirm and proceed.

To start a new Personal Health Plan application, click **"New Policy"** to begin the application process.

Click **"Yes"** to indicate that the member has lost group benefits coverage or is transitioning from a Personal Health Plan previously held with another Blue Cross.

Click the **"YYYY-MM-DD"** field and select the **previous coverage end date.**

To apply for a Conversion Personal Health Plan, 1. Indicate whether the loss of group benefits is due to retirement. Select **"No"** to proceed with the Conversion application process. 2. Choose the **"Conversion"** plan to continue with the Conversion application. 3. Click **"Health Insurance Plan Comparison"** to view a side-by-side comparison of the available Personal Health Plans.\ \ Click **"Get Started"** to begin the application.

Previous coverage

Click this dropdown and indicate what plan the applicant is converting from.\ \ Select the Conversion Plan start date. Click **"CONTINUE".**

Tell us about you

Fill out the required fields for the primary individual applying for coverage. **Note:** This individual will become the Policyholder.

How did the applicant hear about Saskatchewan Blue Cross? Let us know by selecting from the drop-down menu. If the applicant has a promo code, type it in in the **'Referral code'** field. Click **"Continue"**

Adding a partner

Click **'Yes'** to add a Partner to the application.\ \ **Partner:** The partner of the Policyholder by marriage or a cohabitated common-law relationship. Sometimes referred to as a Spouse.

Complete the required fields for the Partner and click **'Save Partner'**.

Adding a dependent

Click **'Yes'** to add a dependent child to the application. **Dependent** means a Policyholder or Partner's:\ • unmarried child up to 18 years of age.\ • unmarried child up to 25 years of age who is a Full Time Student.\ • child who due to a physical or mental infirmity cannot leave the care of the Policyholder or Partner.

Click **'Add Dependent'.**

Complete the required fields for the Dependent. If the dependent is between age 18 and 25, a **'Check Box**' will appear to confirm the dependent child is a full-time student, enrolled in full-time courses through an accredited educational institution. Select the **'Check box'** if the dependent is a student. \ \ • If your client advised you their dependent is no longer a full-time student, enrolled in an accredited education institution please email [Brokers@sk.bluecross.ca](mailto:Brokers@sk.bluecross.ca) with this information.\ • If a policy includes dependents age 18 and over, a members renewal notice will remind them to make any changes if eligibility requirements are no longer met.\ • Dependents turning 25 will receive a notification advising they are no longer eligible for coverage under their parent's policy and an offer for a plan of their own.

If the dependent is age 18 or over, a **'Check Box**' will appear to confirm the dependent child is unable to leave the Policyholder or Partner's care due to physical or mental disability. Incapacitated Dependents are eligible to remain on the policy indefinitely. Select the **'Check box'** if the dependent is an incapacitated dependent.

Click **'Add Dependent'** to add additional dependents to the application.\ \ Once all applicants are added to the application, click **'Continue'** to proceed.

Review and select coverage

Review the applicant(s) information. Scroll down to Coverage Options. Each Conversion Plan starts with our comprehensive Core Health Benefits. Applicants can customize their plan to suit their needs, budget and phase of life by selecting optional benefits to apply for. Click **'Continue'.**

Coordination of Benefits (COB) Details

If any individuals included on the application — including the **policyholder, partner, or dependents** — have **other active health or insurance coverage** (e.g., a Personal Health Plan, employer/group benefits, student coverage, or any other plan): 1. **Select “Yes”** under *Do you have other insurance coverage?* 2. **Click Continue** to proceed. If **no individuals** on the application have other coverage, select **“No”** to proceed.

When you select **“Yes”** to indicate other insurance coverage, a form will generate on screen. 1. **Complete all required fields** using the details from the *employee policyholder’s* insurance plan. 2. **Indicate the type of coverage** included under the other insurance plan. - Select all applicable benefit categories. 3. If any benefits are *not listed* or require clarification, **add them in the Additional Information field** at the bottom of the form. Once all information is entered, **click Save** to continue.

After you save the COB details, the information will be added to the application. 1. If dependents are covered under the other insurance plan, select **Add Dependents** to include them on the COB record. - *Note:* Each COB record allows a maximum of **30 dependents**. This limit is intentionally high to prevent errors for applicants with large families. 2. If the applicant has more than one additional insurance policy, select **Add Another Insurance Plan** to create another COB record. - *Note:* Each application can include up to **20 COB records**. This limit is also intentionally high to avoid processing issues for complex cases. When all COB details have been added, click **Continue** to move to the next step of the application.

Agreement and Consent

Review the agreement and consent, in full, with the customer.\ \ Click **'No, I am completing the application on behalf of the applicant (e.g. Advisors, Friends, Family Members)'** and complete the required fields.\ \ Select the **'Check box'** to confirm you and the applicant have read and understand the entire application, agree to the Agreement and Consent and confirm that all questions, for all applicates, are answered to the best of each individual's knowledge and consent. Click **'Continue'**

Confirmation and Next Steps

After completing the Agreement and Consent, a payment screen will generate. Applicants have **3** options: 1. Set-up **Pre-Authorization for monthly premium withdrawals** from a debit account. Depending on the selected policy start date, a "catch-up payment" may be required. After selecting **"MONTHLY PLAYMENTS"** and clicking **"SECURE MY COVERAGE"**, applicants will: - Be prompted to input their credit card information for any "catch-up payment" - Input their banking details for pre-authorized monthly premium withdrawals - Indicate whether they would like their claims reimbursement deposited into the same debit account or provide information for reimbursement to a different debit account. 2. Pay the **Annual Premium** in full using a credit card. 3. Alternatively, applicants can choose to have **a representative from our office contact them to arrange premium payment** at a later time.

Congratulations! The Conversion plan application has successfully been submitted to our office!\ \ **What's next?** **Monthly/Annual Premium Payment Selected:** If the applicant chooses monthly or annual premium payments, they will receive a confirmation email along with their policy booklet via email. Once the policy is activated by our sales team, they will send a confirmation along with an onboarding package that includes member cards and plan details. **Contact and Pay Later Selected:** If the applicant chooses to be contacted for payment, a representative from our office will reach out to arrange the premium payment and provide the necessary policy information. Additionally, the applicant can explore Life and Critical Illness solutions, request a quote, or access our health empowerment resources to enhance their health literacy.