HUB Strata

Paramedical

October 24, 2017 • Written by

Paramedical

As part of Red River College’s Flex Benefits Program, Employees in Flex Options 2, 4 or 5 may have coverage for a variety of Paramedical Practitioners. Your coverage is based on your Flex Option choice.

What is a Paramedical Practitioner?

The term Paramedical is used to describe medical professional practitioners including:

  • Audiologist
  • Athletic Therapist
  • Chiropractor
  • Dietician
  • Massage Therapist
  • Naturopath
  • Osteopath
  • Physiotherapist
  • Podiatrist/Chiropodist
  • Psychologist/Social Worker
  • Speech Therapist

 

 

 

 

 

Your paramedical practitioner must be licensed by the appropriate provincial or federal organization in order for the paramedical expense to be considered eligible under the group benefits plan.

Please refer to your benefits booklet to see the maximum and coinsure applicable to each paramedical practitioner for your Flex Option.

The above is a summary of the provisions of the group plan. In the event of a discrepancy between this benefit and the master contract, the terms of the group contract will apply.

Reasonable & Customary

Reimbursement of Health Care expenses, including coverage for paramedical practitioners, is subject to maximum amounts applicable to each benefit and considers reasonable and customary charges.

Reasonable – Treatment is considered reasonable if it is accepted by the Canadian medical profession, proven to be effective, and is of a form, intensity, frequency and duration essential to diagnosis or management of the disease or injury.

Customary – Customary charges are the lowest of:

  • Representative prices in the area where the treatment was provided,
  • Prices shown in any applicable professional association or fee guide, and
  • Maximum prices established by law

Supporting Your Wellness

The LifeWorks website offers a wealth of information and resources to help you make the most of all aspects of your life. For the month of October, LifeWorks is featuring a suite of resources called Finding a Balance.

Finding a Balance showcases the variety of ways in which LifeWorks can help you find a balance by navigating competing priorities and responsibilities.

Be sure to visit www.lifeworks.com to take advantage of the 2017 content, including videos, podcasts, audio tips and much more.

For the RRC EFAP User ID and password, please contact Human Resources Services at 204-632-2319, refer to one of the EFAP posters around campus, or click here.

Dental Coverage

September 19, 2017 • Written by

As part of Red River College’s group benefits, Employees in Flex Options 1, 2, 4 or 5 may have coverage for a variety of dental benefits. Your coverage is based on your Flex Option choice.

Accidental Dental       

Did you know that Dental Accident Treatment is included under the Extended Health Care benefit instead of the Dental Benefit? You may have coverage for Dental Accident Treatment if you are enrolled in Flex Options 2, 4, or 5.

If you incur a dental injury, treatment to sound natural teeth must start within 90 days after the accident unless treatment has been delayed due to a medical condition.

A sound natural tooth means a tooth that did not require restorative treatment immediately before the accident and has not been artificially replaced.

Dental Reasonable and Customary Charges

Did you know that the Dental benefits are subject to reasonable and customary charges?

What is customary – The plan covers customary charges, meaning that they must not exceed the Dental Fee Guide in effect in your province of residence on the date the treatment is rendered. Denturist Fee Guides are applicable when services are provided by a denturist and Dental Hygienist Fee Guides are applicable when services are provided by a dental hygienist practicing independently.

What is reasonable – Treatment is considered reasonable if it is recognized by the Canadian Dental Association, it is proven to be effective, and it is of a form, frequency and duration essential to the management of the person’s dental health. Treatment must also be performed by a dentist or under a dentist’s supervision, performed by a dental hygienist entitled by the law to practice independently or performed by a denturist.

Supporting Your Wellness

The LifeWorks website offers a wealth of information and resources to help you make the most of all aspects of your life. For the month of September, LifeWorks is featuring a suite of resources called Adapting to Change.

Adapting to Change showcases the variety of ways in which LifeWorks can help you keep pace with change and effectively manage stress during transitions.

Be sure to visit www.lifeworks.com to take advantage of the 2017 content, including videos, podcasts, audio tips and much more.

For the RRC EFAP User ID and password, please contact Human Resources Services at 204-632-2319, refer to one of the EFAP posters around campus, or click here.

Do You Have Dependent Children?

August 16, 2017 • Written by

Don’t forget to reconfirm Student Status!

To ensure your dependent children, age 22 to 25, continue to receive uninterrupted Health and Dental coverage for the duration of their formal education, be sure to update their student status with Great-West Life each year.

Is your Dependent Child eligible?

If you have unmarried, natural, adopted or step children, under the age of 22 and not working more than 30 hours per week, unless they are full-time students, they are eligible for coverage through your group benefits plan with Great-West Life. If your child is age 22 or over, they must be a full-time student to maintain coverage until age 25.

Is your Dependent Child considered a full-time student?

A child is considered a full-time student if they have registered in an education institution for 15 hours a week or more; sometime in the last 6 months. Your child is no longer deemed a dependent if they are being paid to attend an educational institution.

Is your child covered while studying abroad?

Your dependent child will remain on your Health and Dental plan for the duration of their education, or until they reach age 25 as long as approval is given by the student’s provincial health plan and meet the definition of eligible dependent child noted above. For more information on your provincial health plan, visit http://www.gov.mb.ca/health/mhsip/index.html.

Keep in mind, any routine or non-emergency services or expenses such as chiropractic care or prescription drugs incurred out-of-country will be reimbursed at the reasonable and customary amount charged in your home province of residence.

If you feel your dependent’s coverage is inadequate and require additional individual coverage, plans purchased in Canada for students abroad can be significantly less expensive than plans available through post-secondary institutions. Red River College Employees have access to HUB Emerge Personal Benefits which provides information and assistance in obtaining individual Health, Dental and Travel coverage. Contact HUB at 1-866-756-3281 or e-mail emerge@hubinternational.com for more information.

STRATA Select Travel Insurance

Through our affiliation with HUB International, we are able to offer our employees products and services at discounted or preferred rates through the Voluntary STRATA Select Program.

Hub International partnered with Medi-Quote Insurance Brokers Inc. to offer many competitive travel insurance options including:

  • Annual Plans
  • Single Trip Plans
  • Trip Cancellation, Interruption and Baggage Loss Insurance coverage
  • Top-Up Days for travel of up to any duration available
  • Full coverage for Existing Medical Conditions
  • Family Rates, Travel within Canada, and Travelling Companion Discounts
  • Deductible Options
  • Super Visa Insurance for family members coming to Canada for extended or multiple trips

This program is 100% voluntary for any Employee requiring additional coverage, leaving the Group Plan or in need of coverage for a family member. Log on to your STRATA Select website for more information and instructions on how to request a quote.

Supporting Your Wellness

The LifeWorks website offers a wealth of information and resources to help you make the most of all aspects of your life. For the month of August, LifeWorks is featuring a suite of resources called Connecting and Communicating.

Connecting and Communicating showcases the variety of ways in which LifeWorks can support you listen and communicate more effectively and bridge the gaps in your personal and professional life.

Be sure to visit www.lifeworks.com to take advantage of the 2017 content, including videos, podcasts, audio tips and much more.

For the RRC EFAP User ID and password, please contact Human Resource Services at 204-632-2319, refer to one of the EFAP posters around campus, or click here.

High Blood Pressure

July 21, 2017 • Written by

High Blood Pressure

23% of Canadian adults are affected by high blood pressure according to the 2016 Express Scripts Drug Trend Report[1]. High blood pressure, or hypertension, is when the force of blood against your blood vessels is too high while circulating throughout your body.[2] Though high blood pressure is somewhat common, not everyone knows if they have hypertension. It is important to monitor your blood pressure on a regular basis and consult your health care provider with any concerns. High blood pressure can lead to various health risks if not monitored and well controlled. Possible serious health risks include:[3]

  • Stroke
  • Heart Attack
  • Heart Failure
  • Dementia
  • Kidney (renal) disease
  • Eye problems (retinopathy)
  • Erectile dysfunction

Several causes of high blood pressure can be controlled. An unhealthy diet, smoking, excessive alcohol consumption and stress are a few causes that can be controlled by lifestyle changes. Our Employee and Family Assistance Program through LifeWorks is a great resource to assist you in making these lifestyle changes.

While some causes of high blood pressure can be controlled, other causes of high blood pressure can’t be such as age and family history. Be proactive, know your family’s history of high blood pressure.[4]

For more information on high blood pressure and how to prevent or control hypertension, visit the Hypertension Canada website here.

STRATA Select Home Phone Program

The STRATA Select Program offers discounts on a variety of products and services. Through West Can, the Home Phone Program provides plans only $14.00 per month, plus 95 cents per month for 911. Plans are also available for subscribers who are heavy long distance users.

Visit your STRATA Select website for details!

Supporting Your Wellness

The LifeWorks website offers a wealth of information and resources to help you make the most of all aspects of your life. For the month of July, LifeWorks is featuring a suite of resources called It Takes a Village.

It Takes a Village showcases the variety of ways in which LifeWorks can support you through all stages of parenthood.

Be sure to visit www.lifeworks.com to take advantage of the 2017 content, including videos, podcasts, audio tips and much more.

For the RRC EFAP User ID and password, please contact Human Resource Services at 204-632-2319, refer to one of the EFAP posters around campus, or click here

 

[1] Gerber, John and Po, Priscilla. Express Scripts. (2017). Drug Trend Report 2016. Mississauga, Express Scripts Canada, 2017.

[2] What is blood pressure? Retrieved from https://www.hypertension.ca/en/hypertension/what-do-i-need-to-know/what-is-high-blood-pressure.

[3] Health risks associated with high blood pressure. Retrieved from https://www.hypertension.ca/en/hypertension/what-do-i-need-to-know/health-risks-associated-with-high-blood-pressure

[4] What are the causes. Retrieved from https://www.hypertension.ca/en/hypertension/what-do-i-need-to-know/what-are-the-causes

Prescription Drugs

June 21, 2017 • Written by

Prescription Drugs

The group benefits plan provides coverage for Drugs that require a prescription and are eligible under the provincial formulary. The Manitoba Formulary is constantly changing, with Pharmacare adding and removing drugs frequently. You are encouraged to discuss with your doctor and/or pharmacist to determine whether your medication is considered formulary or non-formulary and to make sure it is the right choice for you.

There are three different levels of drug coverage under the Manitoba formulary:

  • Part 1 – regardless of the need, the prescription is covered.
  • Part 2 – the prescription is covered only when prescribed for a specific condition which must be noted; if the condition is not specified on the prescription or not eligible, the medication will not be eligible.
  • Part 3 – Exception Drug Status (EDS) medications – medications listed in this category are only eligible if you have received prior approval from Manitoba Pharmacare.

In addition, if you have high drug costs Pharmacare may pay your prescription drug costs once you have reached your annual deductible. Your Pharmacare deductible is based on both your total family income, and the amount you pay for eligible prescription drugs. Application to Pharmacare can either be made on a one-time basis or annually. For more information on Pharmacare and to calculate your Pharmacare deductible, please visit their website at www.gov.mb.ca/health/pharmacare.

For more information or to check if your drug is eligible under the Manitoba Formulary click here.

Exception Drug Status

Approval for Part 3 medications is given on a case-by-case basis. Your doctor must submit the application on your behalf to Manitoba Health. Manitoba Health will send you a letter confirming your eligibility for coverage. If you are approved, simply send a copy of the letter to Great-West Life to have your record updated for the period of time as outlined on you letter and retain the original. Reimbursement will not be issued unless a copy of the approval is provided.

Generic Substitution

Our plan includes generic substitution, which means that the drug prescribed by the doctor will be automatically exchanged with the lowest priced generic equivalent. The only exception to this is if your doctor has indicated on the prescription that there is no substitution allowed. Please note, a generic equivalent must have the same therapeutic benefit as the associated brand name medication.

STRATA Select Choice Hotels

The STRATA Select Program offers discounts on a variety of products and services. You can save up to 15% on Choice Hotels®. Choice Hotels® has over 325 locations spanning all provinces, over 6,300 locations worldwide and includes names such as Comfort™, Quality®, Clarion® and a few others like the upscale Ascent Hotel Collection®.

Booking is easy, visit your STRATA Select website for details!

Supporting Your Wellness

The LifeWorks website offers a wealth of information and resources to help you make the most of all aspects of your life. For the month of June, LifeWorks is featuring a suite of resources called LifeWorks Can Help.

LifeWorks Can Help showcases the variety of ways in which LifeWorks can assist you with finding solutions to personal or work conflicts, locating a therapist, managing stress and reaching your financial goals, or even preparing for retirement.

Be sure to visit www.lifeworks.com to take advantage of the 2017 content, including videos, podcasts, audio tips and much more.

For the RRC EFAP User ID and password, please contact Human Resource Services at 204-632-2319, refer to one of the EFAP posters around campus, or click here.