Personal Health Plan Quoting Guide

This guide provides step-by-step instructions to help advisors generate quotes for Saskatchewan Blue Cross Personal Health Plan suite products, including: - Blue Choice - Conversion - Guaranteed Acceptance - Retiree The quote tool is intuitive and automatically filters available plan options based on the applicant’s age and eligibility. Use the quick links below to jump directly to the relevant plan type and quoting process.

2 minutes

Bluecross

Select the **birthdate** of the ***eldest*** person on the policy. **Age:** - To be eligible to apply for a **Blue Choice, Conversion** or **Guaranteed Acceptance** Personal Health Plan, the applicant (policyholder) must be at least 16 years of age. - To be eligible to apply for a **Retiree** Personal Health Plan, the applicant (policyholder) must be at least 50 years of age. - Age bands are categorized in increments of 10 years - Personal Health Plans premiums are based on the ***eldest*** individual applying for coverage, not necessarily the policyholder’s age

Click the **dropdown menu** and select the customer's **family status** ### **Family Status:** - **Single:** Applying for 1 person - **Couple:** Applying for 2 people - **Family:** Applying for 3 or more people on a policy **Partner & Dependent Eligibility Criteria:** - **Partner** - Married couple - Common-law partner – residing with the Policyholder for at least twelve (12) months and is publicly represented as such - **Dependent** - Biological or adopted child of the policyholder and/or partner - Child up to the age of 18 - Student enrolled in full-time accredited courses up to age 25 - Physically/mental disabled unable to leave the policyholder care can remain on a policy indefinitely

The **"Select a Plan"** section will appear. Choose the plan you would like to generate a quote for by clicking on the corresponding option. **Note:** *The system only displays plans that meet the applicant’s criteria. For example, if the applicant is 48 years old, the Retiree Plan will not be shown, as it is only available to individuals aged 50 and above.*

Blue Choice Plan Quote

The [**Blue Choice Personal Health Plan**](https://www.sk.bluecross.ca/personal-insurance/health-insurance/blue-choice-coverage-details/) offers comprehensive and affordable coverage. This plan is subject to a review of the applicant(s) current and medical history, therefore, the quote generated is subject to change. Based upon review, applicant(s) may experience higher premiums, exclusions for certain benefits or a decline in coverage. *Applicants must be residents of Saskatchewan and hold valid Saskatchewan Health coverage.*

Click the **"Blue Choice"** tile to generate a quote for a Blue Choice Personal Health Plan

For more information on plan and coverage details, click: 1. **Learn More** – Opens our website with full policy details. 2. **View Coverage Details** – Displays a high-level summary of benefits included in the selected **Blue Choice** Plan.

Each **Blue Choice Plan** begins with the **Core Health Benefits.** Add and remove desired coverages to see the customer's quote and premium adjustments in real-time.

Conversion Plan Quote

The [Conversion plan](https://www.sk.bluecross.ca/personal-insurance/health-insurance/conversion-coverage-details/) offers guaranteed coverage when the applicant and/or their eligible dependent(s) are **leaving their Group or Employer benefits or a personal health plan from another provincial Blue Cross**. This plan must be **applied for and secure coverage within 90 days** of termination of coverage to be eligible. Common Conversion eligibility sceneries include: - Job loss - Lay off - Retirement - Dependent has reached their age of eligibility under their parent's group/employee coverage - Temporary leave of absence where benefits will not extend (i.e., maternity leave) - Recently moved to Saskatchewan from another province If the applicant would like to add the Core Health or Prescription Drug benefits and did not hold the coverage on their previous plan, they will be required to fill out the medical questionnaire for review. A medical questionnaire is not required when adding Dental or VIP Travel benefits. If your customer does not apply and secure coverage within 90 days of leaving their previous coverage, they will no longer qualify to purchase a Conversion Plan. However, they will have the opportunity to apply for a Blue Choice or Guaranteed Acceptance Personal Health Plan. *Applicants must be residents of Saskatchewan and hold valid Saskatchewan Health coverage.*

Click the **"Conversion"** tile to generate a Conversion plan quote

Each **Conversion Plan** begins with the **Core Health Benefits.** Add and remove desired coverages to see the customer's quote and premium adjustments in real-time.

Guaranteed Acceptance Plan Quote

Our [**Guaranteed Acceptance Personal Health Plan**](https://www.sk.bluecross.ca/personal-insurance/health-insurance/guaranteed-acceptance-coverage-details/) ensures health insurance is available to all Saskatchewan residents, regardless of their medical history. This fully bundled plan comes with 21 Core Health Benefits, including Hospital Cash, as well as Prescription Drugs, Dental, and VIP Travel coverage. No medical questionnaire is required, making it an accessible option for those seeking comprehensive coverage.\ \ *Applicants must be residents of Saskatchewan and hold valid Saskatchewan Health coverage.*

Click the **"Guaranteed Acceptance"** tile to generate a Guaranteed Acceptance plan quote

Retiree Plan Quote

**The Retiree Personal Health Plan** is designed for individuals aged **50 and older** who are **retiring or preparing to retire** and will be **losing their group benefits coverage**. To be eligible, applicants must: - Be **age 50+** - Be **retiring and transitioning off group benefits** - **Apply and secure coverage within 90 days** of losing group benefits The plan offers flexible, modular options across three benefit areas: - **Core Health (includes embedded VIP Travel coverage)** - **Prescription Drugs** - **Dental (optional)** Each module includes **three levels of coverage**. Core Health and Prescription Drug coverage is **mandatory**, while Dental coverage is **optional**. This flexibility allows individuals to **tailor their coverage** to suit their unique needs, lifestyle, and budget. *Applicants must be residents of Saskatchewan and hold valid Saskatchewan Health coverage.*

Click the **"Retiree"** tile to generate a Retiree plan quote.

Each benefit module: Core Health, Prescription Drugs, and Dental, contains three distinct levels of coverage to select from. These levels allow individuals to further tailor the benefit with the flexibility to select what coverage fits their needs. Each level has been named to reflect the type of coverage available: Basic, Classic, Enhanced. - **Basic:** provides essential protection for common and necessary expenses without compromising on cost - **Classic:** covers more than just the essentials, offering a broader range of covered benefits and higher maximums - **Enhanced:** a premium plan with the most comprehensive range of covered benefits and the highest maximums

Add and remove desired coverages to see the customer's quote and premium adjustments in real-time.

Click **"Email Quote"** to send a copy of the quote by email. Advisors can enter **any email address** needed, including their own and the customer’s. Click **"Send".** *If multiple people need a copy, **additional emails can be sent** as required.*

Click **"Apply Now"** to start an application using the information from the quote. The application will automatically include the **applicant’s date of birth** and the **Advisor’s number** from the original quote. ***Note:*** *The **Blue Choice, Conversion, and Guaranteed Acceptance** Personal Health Plan quotes will include the **applicant's date of birth** and the **Advisor's number** from the original quote when transitioned into an application.*