Dental only | When all you need is dental| Personal health insurance
: Buy-up plans often bundle "Value-Add" programs like the Blue Advantage discount program or virtual care services. Common Buy-Up Categories buy up plan blue cross
: Higher premiums lead to lower co-payments and deductibles at the time of service. Dental only | When all you need is
: Often covers essential services like generic prescriptions, basic dental, and paramedical services (e.g., massage, physiotherapy) at lower reimbursement rates (e.g., 70-80%). and paramedical services (e.g.
: Access to "managed formularies" or specialty drugs (like Ozempic for Type 2 diabetes) that may be restricted on basic plans.