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

Health Care Providers Group Insurance Plan

HISTORY

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

• 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

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…

ENDORSING HOSPITALS

THE TEAM

Our Partners

Our Associates

ELIGIBILITY

Booklet Pg. 2

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

CONTINUATION OF COVERAGE

* 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

IF YOU LEAVE YOUR EMPLOYMENT OR RETIRE…

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

Booklet Pg. 3

PLAN 1

PLAN 1A

Offered exclusively to those applicants already covered for extended health care benefits through a

spouse’s plan or another group plan.

CORE COVERAGE ONLY

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 EIHealth 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

Booklet Form 4

OPTIONAL COVERAGE WORKSHEET

PLAN 2

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+

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. 

PLAN 65+: Extended Health Care

Coverage

Booklet Pg. 5

DENTAL CAREBasic 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

Booklet Pg. 12

PLAN 1A: RATE

Booklet Pg. 12

PLAN 2: RATES

Booklet Pg. 12

PLAN 65+: RATES

Booklet Pg. 12

MAKING AN APPLICATION

Form 1 – HCP Group Enrolment Form Form 2 – HCP Statement of Health

PAYMENT INSTRUCTIONS

Deposit Cheque

First Month’s Premium

DATED: date of applicationAMOUNT: equal to the monthly premium of the plan for which an application is being made

DATED: 1st of the month in which coverage will beginAMOUNT: monthly premium indicated in the premium guide

All cheques made payable to HCP Group Insurance Plan

Booklet Pg. 11

MONTHLY WITHDRAWALS

August 2012

Sun Mon Tue Wed Thu Fri Sat

      1 2 3 4

5 6 7 8 9 10 11

12 13 14 15 16 17 18

19 20 21 22 23 24 25

26 27 28 29 30 31  

           

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 ONLINEwww.healthcareproviders.ca

QUESTIONS ?