Francis Kelly Insurance
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Newfoundland & Labrador: 709-631-0028
Nova Scotia: 902-240-1191

We Provide Atlantic Canadians with Easy Access to Medavie Blue Cross Health Insurance

It’s Simple and Flexible.

Sometimes your health situation can disqualify you from getting a standard Medavie Blue Cross insurance plan. However, if for some reason you are unable to qualify there is another option for you.

Our Guaranteed Issue Health Plan provides basic coverage for routine medical expenses such as massage therapist, chiropractor, ambulance, diabetic supplies/medical equipment, prescription drugs, dental and more!

There is no medical underwriting so your medical history won’t prevent you from securing this health plan. Our Guaranteed Issue Health Plan covers pre-existing conditions, Acceptance is Guaranteed.

The plan includes a range of health benefits and offers two options for adding drug coverage. For members planning trips out of province, there is also optional travel coverage.

Below is a basic summary of what is typically covered. There are too many options to show here. Feel free to call us at 1.877.967.4323 if you’d like to discuss your needs with us. We should be able to get you set up with a plan that suits your specific situation. If you’d rather call our local number it’s 709-706-BLUE (2583)


Here are some of the health expense categories that are covered (Click the blue buttons to see more details):

Accidental Dental: 70% up to $7,000 per lifetime
Ambulance: 70% up to $420 per year
Ambulance Attendant: 70% up to $280 per year
Health Practitioners: 70%
  • Chiropractor up to $300 per year
  • Massage Therapist up to $300 per year
  • Osteopath up to $300 per year
  • Physiotherapist up to 20 visits per year
  • Podiatrist/Chiropodist up to $300 per year
  • Psychologist/Social Worker/Clinical Counsellor up to $300 per year
  • Speech Therapist up to $300 per year
Hearing Aids: 70% up to $350 per 5 years (6 month waiting period)
Wellness Program - inConfidence for Individual: 24 hour counselling and online resources to help you manage everyday issues relating to family, work, health and money
Managing Chronic Disease: 70% up to $300 per year
Orthotics and Orthopedic Shoes: 70% up to $105 per year
Semi-Private Room Hospital Benefits:
  • 100% coverage for up to 90 days per year
  • $30 a day when a semi-private room is not available
  • 8 month waiting period for claims related to pregnancy
Vision Care: 70% up to $105 per 2 years (6 month waiting period)
Diabetic Supplies, Medical Equipment, Medical Services and Supplies (including oxygen and ostomy), Nursing Care and Prosthetic Appliance: 70% up to a combined maximum of $2,500 per year
70% coverage. Coverage must be active for 6 months before benefits become eligible.
Recall examination: 1 per calendar year
Scaling: 1 unit* per calendar year
Polishing: 1 unit* per calendar year
X-rays
Fillings
Extractions
Root canal therapy
Denture cleaning, rebasing, relining and repairs

*1 unit = 15 minutes

Provides coverage in the event of accidental loss of life or dismemberment. The applicant and applicant’s spouse are covered up to a maximum of $25,000 each. Where applicable, dependent children are covered to a maximum of $5,000 each.
Benefits & payment:
  • Loss of life: 100% of $25,000/$5,000
  • Loss of, or loss of use of, both hands or both feet: 100% of $25,000/$5,000
  • Loss of, or loss of use of, one hand and one foot: 100% of $25,000/$5,000
  • Loss of entire sight of both eyes: 100% of $25,000/$5,000
  • Loss of, or loss of use of, one hand or one foot: 50% of $25,000/$5,000
Coverage for Accidental Death and Dismemberment terminates following the attainment of age 65.

Last Expense Benefit: $5,000 coverage for each participant in the event of accidental death
Premium Drug Module: 80% coverage, up to $2500 per year
Standard Drug Module: 80% coverage, up to $1000 per year
Both modules include coverage for birth control.
Emergency medical travel insurance: for an unlimited number of trips up to a maximum of 17 days each