Questions & Answers

Answer: MSP  Effective Jan 1, 2018, there continues to be 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 decreased to $37.50/month for an employee only and $75/month for an employee and their spouse. MSP is paid by the employer and is a taxable benefit.
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.
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: No, you will not be able to make a change until open enrolment 2018 for plan year 2019 unless you have an eligible life event during the year.
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 week 35 or later, or high risk during pregnancy
  • 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 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 make no changes during Open Enrolment, your existing benefits coverage will carry forward to 2018 and you will waive allocating flex credits to a Health Spending Account.
Answer: The key dates under the Flexible Benefits Program are:
  • October 23 to November 8, 2017 - Open enrolment

  • Early December – Enrolment confirmation statements available on Employee Self Service

  • Dec 31, 2017 – last day you can report any problems with your enrolment to MyHR for correction

Answer: You will receive an email in October. The email will provide instructions on how to update your coverage in Employee Self Service. If you require more information, please visit MyHR.