Health Care Providers Group Insurance Plan
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Health Care Providers Group Insurance Plan. Group Benefits for Part Time and Casual Hospital Employees and all Hospital Retirees. HISTORY. ENDORSING HOSPITALS. Bluewater Health Chatham-Kent Health Alliance Georgian Bay General Hospital Guelph General Hospital Hamilton Health Sciences

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Group Benefits for Part Time and Casual Hospital Employees and all Hospital Retirees

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Group benefits for part time and casual hospital employees and all hospital retirees

Health Care Providers Group Insurance Plan

Group Benefits for Part Time and Casual Hospital Employees and all Hospital Retirees


History

HISTORY


Endorsing hospitals

ENDORSING HOSPITALS

Bluewater Health

Chatham-Kent Health Alliance

Georgian Bay General Hospital

Guelph General Hospital

Hamilton Health Sciences

Holland Bloorview Kids Rehab

Humber River Regional Hospital

Kingston General Hospital

Lady Dunn Health Centre

Lakeridge Health Corporation

Mount Sinai Hospital

Niagara Health System

Notre Dame Hospital

Quinte Health Care


Group benefits for part time and casual hospital employees and all hospital retirees

ENDORSING HOSPITALS

Atikokan Hospital

Credit Valley Hospital

Grand River Hospital

Hanover and District Hospital

Markham Stouffville Hospital

Middlesex Hospital Alliance

Providence Healthcare

Royal Victoria Hospital

Ross Memorial Hospital

St. Joseph’s Health Centre

St. Mar’s General Hospital

Toronto Rehabilitation Institute

Toronto Grace Hospital

West Park Healthcare Centre


Group benefits for part time and casual hospital employees and all hospital retirees

ENDORSING HOSPITALS

Rouge Valley Health System

Southlake Regional Hospital

St. Joseph’s Healthcare Hamilton

Sunnybrook Health Sciences Centre

Tillsonburg District Memorial Hospital

Toronto East General

Trillium Health Centre

West Nipissing General Hospital

William Osler Health Centre

Woodstock General Hospital

And many more…


The team

THE TEAM

Our Associates

Our Partners


Eligibility

ELIGIBILITY

Booklet Pg. 2


In lieu of benefits

IN LIEU OF BENEFITS

Enrolling in the Health Care Providers will not in any way affect your in lieu of benefits payment


Portability and flexibility

PORTABILITY AND FLEXIBILITY


Continuation of coverage

CONTINUATION OF COVERAGE

IF YOU LEAVE YOUR EMPLOYMENT OR RETIRE…

* Employee group life insurance and employee & spousal optional life can be converted to individual plans (no medical if within 31 days)

* Your group disability insurance will cease

* Your Extended Health Care Package (drugs, travel, dental etc.) can be continued under Plan 2

WHEN YOU TURN 65…

* If Full Time benefit coverage through the hospital ceases, guaranteed coverage options are available with HCP

* If already enrolled in the plan, an automatic transfer to a 65+ Plan is processed, no medical required


Guaranteed coverage

GUARANTEED COVERAGE

Booklet Pg. 3


Plan 1

PLAN 1


Plan 1a

PLAN 1A

CORE COVERAGE ONLY

Offered exclusively to those applicants already covered for extended health care benefits through a spouse’s plan or another group plan.


Core benefits under plan 1

CORE BENEFITS UNDER PLAN 1

  • LIFE INSURANCE: $10,000 for the Employee

  • ACCIDENTAL DEATH, DISEASE AND DISMEMBERMENT: $25,000 for the Employee

  • LONG TERM DISABILITY: $ 1,000 monthly benefit for the Employee when unable to work due to illness or injury


Ltd and ei

LTD AND EI

  • Health Care Providers’ Long Term Disability benefit works in conjunction with Employment Insurance.

  • EI Benefit:55% of gross annual income up to a specified maximum which is adjusted annually to YMPE

  • HCP Benefit:$1,000/month up to a maximum of $5,000 OR 65% of the gross annual salary, whichever is less


Plan 1 optional coverage

PLAN 1 – OPTIONAL COVERAGE


Group benefits for part time and casual hospital employees and all hospital retirees

OPTIONAL COVERAGE WORKSHEET

Booklet Form 4


Plan 2

PLAN 2


Group benefits for part time and casual hospital employees and all hospital retirees

PLAN 1 and 2:

Extended Health Care Coverage

MAXIMUMS: No lifetime maximum. Annual maximums where applicable

DEDUCTIBLE: No deductible.

NOTE: Maximums stated are per benefit year, unless otherwise specified and apply to each employee and insured dependent.

Booklet Pg. 4


Plan 65

PLAN 65+


Group benefits for part time and casual hospital employees and all hospital retirees

PLAN 65+:

Extended Health Care Coverage

MAXIMUMS: No lifetime maximum. Annual maximums where applicable

DEDUCTIBLE: No deductible.

NOTE: Maximums stated are per benefit year, unless otherwise specified and apply to each employee and insured dependent.

Booklet Pg. 5


Dental care

DENTAL CARE

  • Basic Eligible Dental Services

  • Recall examinations once every 9 months

  • Fillings, cleanings, scalings, examinations and polishing

  • Root canal therapy

  • Diseased bones and gums therapy

  • Standard denture services

  • Surgical services

  • General anesthetic

  • Major Restorative Services (Enhanced ONLY)

  • Crowns

  • Caps

  • Bridges

  • Repair

Booklet Pg. 6


Plan 1 rates

PLAN 1: RATES

Booklet Pg. 12


Plan 1a rate

PLAN 1A: RATE

Booklet Pg. 12


Plan 2 rates

PLAN 2: RATES

Booklet Pg. 12


Plan 65 rates

PLAN 65+: RATES

Booklet Pg. 12


Making an application

MAKING AN APPLICATION

Form 1 – HCP Group Enrolment Form

Form 2 – HCP Statement of Health


Payment instructions

PAYMENT INSTRUCTIONS

All cheques made payable to HCP Group Insurance Plan

Deposit Cheque

DATED: date of application

AMOUNT: equal to the monthly premium of the plan for which an application is being made

First Month’s Premium

DATED: 1st of the month in which coverage will begin

AMOUNT: monthly premium indicated in the premium guide

Booklet Pg. 11


Monthly withdrawals

MONTHLY WITHDRAWALS

Premiums are paid on a monthly basis, by automatic withdrawal from the bank account of the plan member’s choice. Each HCP monthly withdrawal takes place on one of the plan member’s Hospital Pay Days per month.

A calendar for each endorsing hospital site can be found at www.healthcareproviders.ca. Click on Endorsing Hospitals next to the “Search” feature on the top of the home page.


Hcp online

HCP ONLINE

www.healthcareproviders.ca


Questions

QUESTIONS ?


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