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Split Modules

Split modules refer to the structure of a health insurance plan that allows members to mix and match different coverage categories, such as drug, dental, and extended health care. Each module operates independently with its own premiums and limits.

This design provides flexibility to tailor coverage to personal or family needs. For example, someone with strong dental coverage through a spouse may choose to purchase only health and drug modules.

Example:

A plan may offer separate options, allowing you to select additional modules to expand coverage.

What to Watch For:

Confirm how deductibles and maximums apply. Some insurers treat each module separately, while others share combined limits.

Related Terms

Spouse / Partner

A spouse or partner is the person legally married to or living in a committed relationship with the insured plan member or policyholder. In insurance terms, a spouse includes both legally married and common-law partners who meet the eligibility requirements defined by the insurer. Common-law partners are generally recognized after living together continuously for a specific period, often 12 months or longer, in a relationship similar to marriage.

Coverage / Benefit

Coverage, sometimes referred to as a benefit, is the range of health or dental services, supplies, or treatments that your insurance plan agrees to pay for under its terms and conditions. Each benefit represents a category of care, such as prescription drugs, dental services, vision care, or paramedical treatments.

Group Insurance

Group insurance is a type of coverage that provides benefits to a defined group of people, typically employees of a company or members of an organization, under a single master policy. Instead of each person purchasing an individual policy, the group is insured collectively, which allows members to access broader coverage at lower rates. The employer or organization acts as the contract holder, while individual participants receive a certificate of insurance outlining their specific benefits.

Guaranteed Issue (GI) / Conversion

Guaranteed Issue (GI) or Conversion refers to an insurance option that allows individuals leaving a group benefits plan to obtain personal coverage without completing medical questionnaires or providing evidence of insurability. This feature guarantees approval as long as the individual applies within a specific time frame, usually 60 to 90 days after group coverage ends. It ensures continuity of protection and prevents gaps in coverage during employment changes, retirement, or loss of eligibility under a group plan.

Conversion of Benefits

Conversion of benefits is the option that allows an individual to transfer or “convert” their group insurance coverage into a personal plan when they lose eligibility under their employer’s group policy. This typically occurs when someone leaves a job, retires, or loses coverage due to a change in employment status. The conversion option ensures continuity of protection without requiring new medical evidence of insurability, as long as the application is submitted within a specific eligibility window, usually 60 to 90 days.

Learn More About Split Modules

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Relevant Plans

Plans that relate to Split Modules

Alberta Blue Cross - Blue Assured - Basic

Alberta Blue Cross - Blue Assured - Basic

Can apply at anytime, at any age.

Alberta Blue Cross - Blue Assured - Enhanced

Alberta Blue Cross - Blue Assured - Enhanced

Can apply at anytime, at any age.

Alberta Blue Cross - Blue Assured - Enhanced+

Alberta Blue Cross - Blue Assured - Enhanced+

Can apply at anytime, at any age.

Alberta Blue Cross - Blue Assured - Premium

Alberta Blue Cross - Blue Assured - Premium

Can apply at anytime, at any age.

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