Retiree Personal Health Plan
Flexible, affordable health coverage built for Saskatchewan retirees. Keep peace of mind as you transition from employer benefits to retirement—with coverage for prescriptions, dental, vision, and more.
Scroll down to learn moreRetirement Health Plan
Designed to support you through this important and exciting transition, the Retiree Plan offers the flexibility to tailor your coverage to fit your lifestyle, health goals, and budget—making your move into retirement simple and stress-free.
Your retirement, your way.
Offering guaranteed coverage with no medical questions, the Retiree plan can offer you peace of mind that your health is protected as you enter your retirement years.
- Guaranteed coverage: Secure coverage by ensuring your plan is in effect within 90 days of the date that your group benefits coverage ends.
- No waiting period: You’ll receive immediate access to the benefits offered under your Retiree plan.
- Tailored to your needs: Choose from three levels of coverage and various options to create a personalized
plan that best suits your needs. All Retiree plans include health, travel and prescription drugs.
Customize your coverage plan
The Retiree Plan provides essential supplementary coverage tailored for retirees, with coverage that includes Extended health benefits with VIP travel, prescription drugs, and the option to add dental coverage. Each benefit module has three levels of coverage to choose from – Basic, Classic, or Enhanced. Offering 36 possible plan combinations to fit different budgets, health and wellness goals, and lifestyles.
Basic
Coverage for your basic healthcare needs with 11 core benefits, including virtual care and mental wellness benefit – plus 70% on prescription drugs and 30-day travel coverage per trip.
Classic
Elevated healthcare coverage with 30 benefits, including virtual care and mental wellness benefit-plus 75% coverage on prescription drugs and 30-day travel coverage per trip.
Enhanced
Our most robust option, featuring 30 benefits and higher coverage maximums. Includes virtual care, mental wellness support, and enhanced prescription drug coverage—covering drugs listed on the Saskatchewan Blue Cross Formulary, with 80% reimbursement, a $6 deductible per eligible prescription, and a $3,000 annual maximum. Also includes 65 days of travel coverage per trip.
Custom options
Every plan starts with Extended Health coverage with VIP travel, and prescription drug. You have the option to add dental benefit with three levels of coverage to choose from based on your needs.
Dental Benefits (optional)
Basic
- Basic services: 70% coverage
- Benefit maximum: $750
Classic
- Basic services: 75% coverage
- Major service: 50% coverage
- Combined benefit maximum: $1,500
Enhanced
- Basic services: 80% coverage
- Major service: 50% coverage
- Combined benefit maximum: $2,000
Seamless claims submission and plan management
The Saskatchewan Blue Cross member portal and SK Blue Cross Member App offer on-the-go access to everything you need to manage your plan. Submit claims, be reimbursed directly to your bank account, check your coverage, update your information and more.
Apply and activate your coverage online in minutes
Simply enter your contact details, select your plan, and add your payment information — it’s that easy. Get health coverage in just minutes. Apply now.
Ready for the next step?
Have questions? We’ve got answers.
Who can apply for the Retiree plan?
The Retiree Plan is available to residents of Saskatchewan aged 50 and older who are nearing retirement, or have recently retired, and are leaving a group benefits plan. Coverage under the Retiree Plan must begin within 90 days of the date on which you lost coverage through your employer benefits plan.
How do I apply for the Retiree Plan?
If you’d like to apply for the Retiree Plan, you can apply online here or contact our Member Experience team at 1-800-667-5853
Are pre-existing conditions covered under the Retiree Plan?
Yes, the Retiree Plan is a guaranteed acceptance plan that provides coverage for essential health needs that retirees may not secure elsewhere. Upon application, there is no medical questionnaire, with guaranteed coverage.
A 90-day stability clause applies to emergency medical travel coverage. This means that there is no travel coverage for medical conditions that are not stable for the 90 days before your trip’s start date.
I already have a personal plan with Saskatchewan Blue Cross. Can I switch to the Retiree Plan?
Not at this time. The Retiree Plan is only available to members who have retired and lost coverage through a group benefits plan in the past 90 days.
Will coverage under my Retiree Plan be identical to my employer benefits plan?
The Retiree Plan is a unique product offering benefits that are complementary to group benefit plans but are not identical. This plan offers customizable options that can be tailored to your needs but may not provide the same coverage as your previous plan.
Are there waiting periods before benefits start?
No, there are no waiting periods—coverage is seamless when transitioning from a group benefits plan.
Can I add my partner and children to my policy?
You can apply to add your child and/or partner to your policy by completing the Personal Health Plans Application here.
What is the cost of the Retiree Plan?
The Retiree Plan offers a mix-and-match plan design with varied rates based on the selected benefit modules and coverage levels. The rate is calculated based on a number of factors:
- The age of the oldest person on the policy;
- The total number of members covered on the policy;
- The benefit modules selected; and
- The coverage level selected for each module.
Submit a Quote to receive detailed pricing and plan information tailored to your needs. These rates may change when a new age bracket is reached or upon changes to rates by Saskatchewan Blue Cross.