: Access to "managed formularies" or specialty drugs (like Ozempic for Type 2 diabetes) that may be restricted on basic plans.

Blue Cross offers several "buy-up" or tiered structures across its regional Canadian divisions (like Ontario Blue Cross , Alberta Blue Cross, and Pacific Blue Cross).

: Higher premiums lead to lower co-payments and deductibles at the time of service.

: Standard plans often exclude orthodontics or expensive restorative work; buy-up options typically include these after a waiting period (often 12–24 months).

Dental only | When all you need is dental| Personal health insurance

: For a higher monthly cost, you can increase reimbursement to 90-100% or add benefits like major dental (crowns/bridges), vision care, or higher annual maximums for prescription drugs. Key Benefits of Buying Up