How Our Partnership with Medavie Blue Cross Benefits You

Cosman Benefits & Pension works with Medavie Blue Cross to provide our clients with individual health insurance plans. These plans are not only cost effective, they will fit the needs of you and your family. They will also prove to be an integral part of your personal financial planning by offering protection from unexpected medical costs and injuries.

What Do You Get with Cosman Benefits & Pension and Medavie Blue Cross?

Instead of draining your savings paying for unexpected health expenses, you can rely on a customized insurance plan available through Medavie Blue Cross.  Plans include a range of benefits, such as:

Health Insurance

Health insurance offers coverage of the day-to-day costs of health, prescription drugs and dental expenses. We can help you build the plan that works best for you.  Illness can crop up unexpectedly and adversely affect your life and finances. Coverage through a Medavie Blue Cross health insurance plan (Entry = 60% coverage, Essential = 70% coverage, Enhanced = 80% coverage) can dramatically cut your out of pocket costs. 

Optional supplemental coverage can be added to your plan:

Critical Illness - Provides a cash payment in the event of an unexpected illness. Some of the conditions covered include: Alzheimer’s Disease, Blindness, Deafness, Life Threatening Cancer, Major Organ Failure, Multiple Sclerosis, Paralysis, Parkinson’s Disease, Senile Dementia, Severe Heart Attack or Stroke.

Hospital Cash - $100.00 per day for up to 100 days per year when hospitalized. If over 65 years of age, benefit is limited to 30 days per year.

Assured Access - Protects tomorrows insurability.  This allows you to put your individual Medavie Blue Cross health coverage on hold when you acquire group health benefits with the ability to reactivate just when you need it, (when you lose your group health benefits) without needing to qualify medically again.

The advantage? As we age, our health often declines, which can make it difficult to obtain approval for health care coverage. Once qualified for Assured Access you are entitled to the Elements by Medavie Blue Cross health plan – without medical questions if and when you lose your group health benefits.

By signing up for Assured Access, you will be guaranteed access to health and dental insurance in the future – based on your health as it is right now. You cannot lose your benefits if you find yourself in an “uninsurable state” of illness or old age. It is one of the best ways to protect your future medical and financial needs.

Pre-approved Term Life insurance

Pre-approved term life insurance provides additional protection when it's needed the most.  As an example, it can be very beneficial when you have small children or a mortgage to help ensure your loved ones will be looked after financially, providing you with peace of mind.

Term life insurance offers more affordable rates than those of whole life insurance products.

Travel insurance

Travel insurance provides protection from unexpected costs due to a unexpected medical emergency.

Some Helpful Tools and Information from Medavie Blue Cross

To help you determine what kind of benefits you need, Medavie Blue Cross is happy to provide you with the following:

  • A free rate calculator.
  • Informational e-brochures that explain coverage.
  • A brochure that provides helpful information about generic drugs and how they figure into your healthcare costs.
  • Video: How Insurance Works

We want to help you find the best plan for your needs. Click here for the free rate calculator, or contact us directly for assistance.

Working Together to Provide What You Need for Financial Planning

Personal financial planning isn’t just about your retirement savings account. It also includes health and dental insurance plans. Cosman Benefits & Pension together with Medavie Blue Cross can not only offer you an affordable form of protection, it can give you peace of mind – today, and for the rest of your life.

If you would like more information about how this partnership can benefit you and your family, contact us today. You can call us directly, or click on one of the applications in the “Apply Now” section. We would be happy to explain how the right health insurance can protect your financial well-being now and for years to come.