Medical Services Plan (MSP) Premium Increase and Changes
Effective Jan 1, 2017, there are no premiums for children under the age of 19 or for overage dependants (19 -24 years old) who are attending post-secondary school full time. MSP premium rates will be determined by the number of adults. Monthly MSP premiums will be $75 per adult therefore $75/month for the employee and if applicable $150/month for an employee and their spouse.
Dependent children will still be on the employee’s account therefore if adding or removing children from coverage, a MSP form will still need to be completed. MSP is paid by the employer and is a taxable benefit.
Changes to Extended Health Plan
Effective Jan 1, 2017
- Claims for paramedical services (chiropractic, massage, naturopathy, physiotherapy or podiatry) will be reimbursed at 80 percent of the $10 visit fee ($8) for the first four visits and claims for additional visits to a given paramedical services provider will be reimbursed at 80 percent (to plan limits) for that service
- Reimbursement is 80 percent coverage for the first $1,350 in eligible expenses in a calendar year after the annual deductible is applied. Any eligible expenses beyond the first $1,350 would be covered at 100 percent
Optional Spouse and Dependent Group Life Insurance Premium Increase
Effective Jan 1, 2017, monthly premiums for Optional Spouse and Dependant Group Life Insurance will increase from $2.15 to $2.21.
Medical Services Plan (MSP) Premium Increase
Effective Jan 1, 2016, monthly premiums for MSP coverage increase to $75 for an individual, $136 for a family of two and $150 for a family of three or more. MSP is paid for by the employer and is a taxable benefit.
Changes to Extended Health Plan
Effective Jan 1, 2016:
- The extended health lifetime maximum benefit available to you increases from $250,000 to $500,000 per person
- Reimbursement for paramedical services (chiropractic, massage, naturopathy, physiotherapy or podiatry) will be reimbursed at 80 percent of the $10 visit fee ($8) for the first six visits, instead of for the first eight visits as it is currently reimbursed. Reimbursement for additional visits to a given paramedical services provider will be reimbursed at 80 percent (to plan limits) for that service
- You will be reimbursed 100 percent (to plan limits) for any claims paid above $1,200 in a calendar year
Visit @Work to find out how your health benefits will change in 2017 and 2018. You can also find information about the upcoming changes in the Bargaining Unit Benefits Guide (PDF, 2MB) or Your Benefits at a Glance (PDF, 172KB).
Employee Basic Life Insurance Premium Increase
Effective Jan 1, 2016, monthly premiums for employee basic life insurance will increase from $0.17 to $0.18 per $1,000 of insurance. The employer will continue to pay premiums for the first $80,000 of insurance.
Updated Benefits Guide
The Bargaining Unit Benefits Guide has been updated to make your Medical Services Plan coverage, extended health and dental plans and life insurance easier to understand.
Online Benefits Forms for Bargaining Unit Employees Launched
As of May 15, 2015, Bargaining Unit Employees with access to Employee Self Service will now be able to enrol for and update their benefits package online.
PharmaCare Special Authority
Effective April 1, 2013, PharmaCare Special Authority will be required for certain high-cost drugs before you can claim these drugs under your Pacific Blue Cross extended health plan. More information is available on @Work.
BC Services Card
Feb 15, 2013 marks the launch of a new BC Services Card, a highly secure form of picture identification that will replace your Medical Services Plan (MSP) CareCard.
Claiming Requirements for Braces, Prosthetics, & Supports
Effective March 1, 2013, you are now required to include a practitioner's note to support the medical need for the device along with your claim form and receipt. Accepted practitioners include licensed chiropractors, physiotherapists and physicians. Common items in this category include wrist braces (for carpel tunnel syndrome), knee braces (with a metal support structure) and prosthetic limbs.
Effective Jan 1, 2012, Pacific Blue Cross requires a doctor's note to be eligible for continued reimbursement after the 24th visit in a calendar year to a given paramedical service. For more information, please visit Pacific Blue Cross's Reasonable and Customary Limits Page.