Questions & Answers

Answer: MSP  Effective Jan 1, 2017, there are no premiums for children under the age of 19 or overage dependants who are attending post-secondary school full time until age 25. MSP premiums rates will be determined by the number of adults on your coverage. MSP is increased to $75/month for employee only and $150/month for an employee and their spouse. MSP is paid by the employer and is a taxable benefit.
Extended Health – The previous plan had six options and the new plan design will have four options.
Dental – The previous plan had seven options and the new plan design will have four options.
The four options of the new plan design are Waive, Coordination, Comprehensive and Enhanced for both the Extended Health and Dental plans.
Emergency medical travel insurance for personal travel was added to enhance the existing coverage provided for business travel. Please see the travel information on MyHR to learn more.
There are no changes to the Life Insurance plans, the flex credits and the Health Spending Account.
Please refer to the Your Choices at a Glance 2017 document and the Flexible Benefits Guide 2017 for further details.
Answer: The Extended Health Plan has been simplified from six options to four options. The following options of the new plan design are:
No Coverage – designed specifically for when extended health coverage is not required. Travel medical coverage is limited to business travel only.
Coordination – is a low cost option which provides a low level of coverage for most services. This option may work well if you are able to coordinate your benefits with your spouse’s plan, depending on the terms of their plan. Note that if you are coordinating benefits with your spouse and you select this option your reimbursement under this option will be the lower portion with the more significant portion being reimbursed through your spouse’s plan after you have submitted a claim to that plan. It has a $100 deductible and pays 20 percent of the first $5,000 of eligible expenses in a calendar year after the annual deductible is applied. Any eligible expenses beyond $5,000 would be covered at 100 percent. Vision coverage is $250 per person every 24 months. There is combined paramedical service coverage of $500 per person per year. Out of province emergency medical travel coverage is 100 percent up to $3 million for both business and personal travel.
Comprehensive – has a $90 deductible and pays 80 percent of the first $1,500 of eligible expenses in a calendar year after the annual deductible is applied. Any eligible expenses beyond the first $1,500 would be covered at 100 percent. Vision coverage is $250 per person every 24 months. There is paramedical coverage of $500 per person, per service per year. Out of province emergency medical coverage is 100% up to $3 million for both business and personal travel.
Enhanced – does not have a deductible and pays 100 percent of eligible expenses. Vision coverage is $500 per person every 24 months. There is paramedical coverage of $750 per person per year for massage, $1,500 per person per year for physiotherapy and $500 per person per year for any other eligible services. Out-of-province emergency medical coverage is 100 percent up to $3 million for both business and personal travel. If you select this option, you will be locked-in for two years.
Answer: The dental plan been simplified from seven options to four options. The following options of the new plan design are:
No Coverage – designed specifically for when dental coverage is not required.
Coordination – is a low cost option which provides a low level of coverage for most services. This option may work well if you are able to coordinate your benefits with your spouse’s plan, depending on the terms of their plan. Note that if you are coordinating benefits with your spouse and you select this option your reimbursement under this option will be the lower portion with the more significant portion being reimbursed through your spouse’s plan after you have submitted a claim to that plan. This option pays 20 percent of eligible basic dental expenses and 50 percent of eligible major expenses. This option also pays 50 percent of eligible orthodontic expenses to a lifetime maximum of $2,000.
Comprehensive – pays 100 percent of eligible basic dental expenses and 65 percent of eligible major expenses. This option also pays 55 percent of eligible orthodontic expenses to a lifetime maximum of $3,500.
Enhanced – pays 100 percent of eligible basic dental expenses and 85 percent of eligible major expenses. This option also pays 55 percent of eligible orthodontic expenses to a lifetime maximum of $5,000. If you select this option, you will be locked-in for two years.
Answer: A new design was created to simplify the choices, making the program easier to understand. Excluded employees were consulted through employee focus groups to gather their feedback on the Flexible Benefits Program and input into the new plan design. The overall program funding paid by the employer has not changed.
The flexible benefits program is a group plan which was designed to best meet the needs of the overall group. These changes may result in some individuals noticing a reduction in specific individual benefits; however, all efforts were made to minimize any negative impacts on the group plan. It is anticipated that the majority of plan members will appreciate the improvements, such as adding personal medical travel insurance, and the new simplified design.
Answer: Yes, excluded employees participated in one of four focus groups. Participants were selected randomly and there was broad representation across a number of key demographics, including family status, age, years of service and salary.
Answer: Yes, the lock-in rules will not apply for this year only to allow all employees the opportunity to select from the new options. If you select the Enhanced option for 2017, you will be locked-in for two years until the end of 2018 unless you have an eligible life event.
Answer: There are only a few exclusions that are not covered.
  • Expenses incurred due to elective treatment and/or diagnostic procedures
  • Complications related to such treatment expenses incurred due to therapeutic abortion, childbirth, or complications of pregnancy occurring within two months of the expected delivery date
  • Charges for continuous or routine medical care normally covered by the government plan in your province/territory of residence
For more information, please check out the information on MyHR on the new travel medical insurance.
Answer: Coverage for hearing aids is now the same across all options under extended health, which is $1,500 per 48 months per adult (24 months for children). Therefore, hearing aids is no longer noted separately on the Choices at a Glance document.
Answer:  If you do not make choices, you will receive the default coverage (for you and your current dependants) which are:
  • MSP – current coverage
    • Extended Health – Comprehensive – for you and any existing dependents
    • Dental – Comprehensive – for you and any existing dependents
    • Basic Group Life Insurance – current coverage
    • Any optional insurance – current coverage
Health Spending Account – WAIVE
Answer: The key dates under the Flexible Benefits Program are:
  • Oct 24 to Nov 9, 2016 - Open enrolment
  • Early December – Enrolment confirmation statements available on Employee Self Service
  • Dec 31, 2016 – last day you can report any problems with your enrolment to MyHR for correction
Answer: You will receive the next email on Oct 24, 2016. The email will provide instructions on how to update your coverage in Employee Self Service. If you require more information, please visit MyHR.