For each calendar year, you will be required to pay the first $100 deductible (per family, per calender year) and 20% of all eligible expenses after that.  Once an individual has reached $1,000 in a calendar year, all further eligible expenses are covered 100%.

This benefit incorporates the new BC Fair Pharmacare program and it is not necessary to mail in forms for reimbursement from either Pacific Blue Cross (PBC) or Pharmacare for prescription drugs.  You are required to produce the P.B.C. "Blue-NET" membership card for this convenient direct pay prescription service. 

            "Eligible expenses", which are over and above basic MSP coverage, include:

                                    Prescription Drugs

                                    Emergency out of Province Medical Expense

                                    Specialist Services

                                    Special Nursing

                                    Private or Semi-Private Hospital Rooms

                                    Wheelchairs, Crutches, Splints, etc.

Members travelling outside of the Province should be aware that our Extended Health Coverage is unlimited (except Plan "C").  Therefore, if you plan on travelling in the USA. or other countries, it will not be necessary to purchase additional medical insurance.

Members should also be aware that they can convert to an individual PBC extended health plan within 60 days of termination of their group plan.  PBC will waive the pre-existing condition under this conversion option.  Please refer to the “Termination of coverage” section of the PBC extended health brochure.

Every member should have a "Medex" card which lists telephone numbers for assistance in emergencies when travelling in other countries.