Compensation Analysis and Research Services

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Supplementary Health Care Insurance Plans

Supplementary Health Care Insurance
  All DE MD ND NU OP PH PS SW VM
  #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc.
Total 841 129,311 * * 32 321 532 2,194 816 107,470 611 8,674 468 2,978 352 1,603 573 6,046 * *

Plan Provided

Yes 840 129,293 * * 32 321 532 2,194 816 107,470 611 8,674 468 2,978 351 1,585 573 6,046 * *
Provided as part of a flexible benefit package - - - - - - - - - - - - - - - - - - - -
Employer contributes to union sponsored plan * * - - - - - - - - - - - - * * - - - -
Not provided - - - - - - - - - - - - - - - - - - - -

Eligibility
All employees 296 30,088 * * 24 276 216 756 210 23,024 221 2,680 186 1,036 143 451 218 1,841 * *
Only employees who meet the service requirement 643 99,223 - - 8 45 316 1,437 626 84,446 390 5,994 282 1,942 210 1,152 355 4,205 * *
Other - - - - - - - - - - - - - - - - - - - -

Eligibility - Number of months of service required

1 382 43,856 - - * * 126 567 362 36,022 181 2,972 116 874 173 1,070 158 2,332 - -
3 223 49,798 - - 7 27 130 754 207 43,813 147 2,786 105 927 37 82 135 1,409 - -
6 62 5,569 - - - - 61 116 62 4,610 62 236 61 141 - - 62 464 * *

Nature of participation

Compulsory 484 44,965 - - 8 78 281 1,015 377 33,914 346 4,307 227 1,177 198 1,153 319 3,319 * *
Compulsory only if not covered under a spousal plan 391 71,063 * * 9 43 209 973 376 62,023 229 3,803 210 1,563 135 313 222 2,322 * *
Voluntary 86 13,283 - - 16 200 43 206 81 11,533 36 564 31 238 20 137 31 405 - -

Employer's contribution to the premium

0% 78 18,675 - - * * 55 386 52 16,174 56 1,275 46 236 15 80 41 482 - -
50% to 68% 57 6,750 - - - - 35 116 56 5,513 31 476 27 144 27 110 39 391 - -
75% 235 44,708 * * 13 172 93 404 217 40,499 117 1,672 106 808 62 109 122 1,040 - -
80% to 90% 107 4,411 - - - - 74 359 20 1,904 91 1,246 55 418 40 103 78 382 - -
100% 264 18,753 - - 16 107 115 309 250 15,833 107 909 103 471 * * 107 1,070 * *
Other 265 32,910 - - - - 120 540 251 25,598 169 2,752 92 734 172 1,068 147 2,218 - -

Coverage of major medical and surgical services

Yes 434 73,580 * * 17 147 284 1,251 417 62,912 326 4,551 267 1,684 113 267 315 2,743 * *
Up to plan maximum 14 1,794 - - - - - - 13 1,776 - - - - * * - - - -
No 449 53,936 - - 15 174 248 942 410 42,782 285 4,122 201 1,294 239 1,318 258 3,303 - -

Vision care - Plan provided

Yes 575 96,288 * * 31 303 412 1,623 565 81,845 433 5,885 376 2,244 180 535 426 3,828 * *
No 285 33,022 - - * * 129 571 262 25,625 178 2,789 92 734 172 1,068 147 2,218 - -

Optometry

Yes 487 82,960 * * 31 303 344 1,425 472 70,712 356 4,828 328 2,006 150 445 341 3,230 * *
No 384 46,350 - - * * 189 769 353 36,757 255 3,846 140 972 203 1,159 231 2,816 * *

Prescription eye glasses and contact lenses

Up to maximum 27 1,579 - - * * 13 25 15 1,284 7 43 13 35 8 23 8 162 * *
Covered with time limitations - - - - - - - - - - - - - - - - - - - -
Up to maximum and time limitations 566 94,759 * * 30 302 399 1,629 558 80,561 437 5,879 364 2,209 173 494 420 3,667 * *
No 278 32,973 - - * * 120 540 262 25,625 169 2,752 92 734 173 1,086 147 2,218 - -

Prescription eye glasses and contact lenses - Maximum amount

$150 20 1,543 - - - - 7 20 8 1,270 7 43 13 35 7 13 8 162 - -
$225 * * - - * * - - - - - - - - - - - - - -
$340 * * - - - - * * * * - - - - * * - - * *

Prescription eye glasses and contact lenses - Up to maximum and time limitations

$120 per insured per 24 month period 7 77 - - - - - - 7 77 - - - - - - - - - -
$140 per insured per 24 month period 22 136 - - - - 7 6 22 124 - - - - - - 7 6 - -
$150 per insured per 24 month period 14 1,769 - - - - 14 71 12 1,240 9 309 5 45 * * 9 92 - -
$160 per insured per 24 month period, contact lenses $200 per 24 month period 7 18 - - - - - - 7 18 - - - - - - - - - -
$200 per 24 month period for plan members and dependants 18 years of age and over and $200 per 12 months for plan members and dependants under 18 years of age 9 2,129 - - - - - - 9 1,957 * * - - * * 6 87 - -
$200 per insured per 24 month period 248 35,665 - - 6 23 137 503 231 30,894 156 1,818 149 962 23 49 156 1,415 * *
$200 per insured per 24 month period for contact lenses, lenses & frames: 7 6 - - - - - - 7 6 - - - - - - - - - -
$225 per insured per 24 month period 126 12,275 - - 8 83 81 201 109 9,813 97 1,012 75 294 54 168 95 705 - -
$225 per insured per 24 month period at an 80% maximum (includes any costs incurred for eye exams) 18 7,171 - - 13 172 18 122 16 6,304 18 321 14 128 12 62 * * - -
$250 per insured per 24 month period 56 10,569 - - * * 42 219 49 9,171 42 661 22 212 7 18 30 285 - -
$350 per insured per 24 month period 10 309 - - - - 9 37 9 259 - - - - - - - - * *
$60 per insured per 24 month period for frames with unlimited amount on lenses provided that those costs are reasonable and customary 18 281 - - - - 18 26 18 26 18 126 18 31 6 5 18 68 - -
$600 per insured per 24 month period 59 8,440 * * - - 41 209 59 6,694 59 668 59 424 48 81 59 360 - -
Plan A: $150 per 48 month period for plan members and dependants 21 years of age and over and $150 per 24 months for plan members and dependants under 21 years of age. Plan B: $200 per 48 month period for plan members and dependants 21 years of age and over and $200 per 24 months for plan members and dependants under 21 years of age 38 5,058 - - - - 23 94 38 4,200 22 352 16 108 17 75 33 229 - -
Other 6 7,946 - - * * * * 6 6,915 6 497 - - * * * * - -

Prescription drugs

Yes 840 128,956 * * 31 298 531 2,193 815 107,152 610 8,668 467 2,977 351 1,597 573 6,046 * *
Covered under a separate plan * * - - * * * * * * * * * * * * - - - -
No - - - - - - - - - - - - - - - - - - - -

Cost of hospitalization

Yes 802 121,952 * * 19 149 509 2,071 780 100,980 593 8,353 454 2,850 341 1,542 569 5,983 * *
No 50 7,359 - - 13 172 24 123 47 6,490 18 321 14 128 12 62 * * - -

Health care benefits improved or enhanced in the past five years
As a result of normal periodic review 267 36,542 - - 22 241 174 690 184 30,542 187 2,579 137 905 65 240 174 1,338 * *
For other reasons 213 28,763 * * 7 60 130 462 177 23,961 152 1,730 145 928 114 281 145 1,339 - -
No improvement 569 64,006 - - * * 229 1,042 538 52,967 272 4,365 186 1,145 175 1,083 253 3,370 * *

Health care benefit improvements in the past five years - For other reasons

Added Pay-Direct drug cards 14 65 - - 7 60 - - 8 5 - - - - - - - - - -
As a result of periodic review 39 4,599 - - - - 25 74 39 3,768 34 325 34 237 25 38 34 156 - -
For recruitment and retention purposes 13 716 - - - - - - 13 691 - - 13 25 - - - - - -
Improved extended health care benefits (offer a basic plan and an enhanced plan) 13 420 - - - - 11 50 - - 9 149 9 62 5 37 13 121 - -
Improved to match other collective agreements present within the organization 18 753 - - - - 18 136 6 139 18 242 6 168 12 22 13 45 - -
Negotiated through the collective bargaining process 108 18,344 - - - - 53 65 92 16,408 66 670 60 249 49 140 60 813 - -

Employer's contribution to employee's provincial/territorial health premiums/taxes, where in force

Yes, fully subsidized 131 25,239 - - 7 60 86 443 123 21,827 102 1,561 72 505 27 78 92 765 - -
Yes, partially subsidized 17 788 - - - - - - 16 685 * * - - 4 23 - - - -
Not subsidized 567 74,475 * * 9 60 322 1,186 551 60,501 383 5,265 288 2,015 282 1,332 364 4,092 * *
N/A 147 28,808 - - 17 201 132 564 139 24,457 121 1,767 108 458 39 170 116 1,190 * *

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