REMINDER concerning all travel out-of-province/country after July 1, 2017: An absence whose expected length is less than 90 consecutive days is covered. If the absence is expected to exceed 90 days, there is no coverage during the entire absence. For more information on your insurance plan, contact Industrial Alliance at (514) 499-3800 or 1-800-363-3540 or consult your online client space.
This link describes important information from QPAT regarding the health insurance plan, specifically the generic drug substitution programme that will begin January 1, 2015. This information document from Health Canada explains more details about generic drugs.
Ce lien décrit de l’information important de l’APEQ concernant notre régime d’assurance de soins de santé, spécifiquement le programme de substitution des médicaments d’origine qui entrera en vigueur le 1er janvier 2015. Ce document de Santé Canada explique plus d’information au sujet des médicaments génériques.
A document concerning a proposed dental insurance plan for ESTA members has been sent to all school and centre union delegates. For more information, please speak to your school/centre’s union representative. If you would like a digital copy of this document, you may request one by contacting Ray Venables at email@example.com.
At the November 11 and 12, 2013 Board of Directors meeting, the President, Ray Venables, was mandated to investigate the cost and coverage of dental insurance for ESTA teachers.
All ESTA teachers are invited to join Ray during an online information session next week about dental coverage.
Who may participate? All ESTA teachers
What? Information session about dental insurance
Where? Online at this address https://esta.adobeconnect.com/dental/
When? 4 – 5 p.m. on January 29, 2014
How? You will need a computer, an Internet connection, and headphones.
IMPORTANT: You must test your connection well before the meeting at this address: https://esta.adobeconnect.com/common/help/en/support/meeting_test.htm
Teachers benefit from the Industrial Alliance medical plan which includes drug coverage. Since prescription drugs are reimbursed at 80% of their cost, members are well covered. However, you may not have considered that the cost of medication varies greatly within the province.
In a recent new story by Radio-Canada, it was explained that Quebecers can expect to pay as much as $20 difference for the same prescription from one pharmacy to the next. Since QPAT manages the teachers’ Industrial Alliance plan, it is this plan that must pay for these higher costs. Should teachers be concerned?
Unlike the private sector, our employer does not contribute to the teachers’ insurance plan. Therefore, all costs must be borne by its members. A single prescription will usually not cost the teacher significantly more money since he or she only has to pay 20% of the initial cost; however, if market costs increase, then all the members are affected since the plan must charge more in premiums. The math is simple: as costs increase, so do premiums.
So what can teachers do to keep their premiums low? Here are two suggestions:
- Buy generic drugs when available.
- Shop around. Look for the lowest prices.
Without question, the variation in drug costs throughout the province is a larger, provincial issue. However, by exercising the aforementioned suggestions, our insurance plan will benefit from our collective efforts.
(And it goes without saying that the best medicine is to avoid the problem entirely. A healthy teacher is a happy teacher so please look after your health.)