GROUP BENEFITS FOR PART-TIME OR CASUAL HOSPITAL EMPLOYEES & RETIREES
Are you a part-time, casual, or retired hospital employee in need of health care benefits? We have a plan for you. Get the coverage and protection you and your family need. We provide benefits that work full time for those who don’t.
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Why Choose HCP?
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PACKAGES & PLANS
HCP offers GUARANTEED coverage, with no medical questions asked, to all eligible enrollees regardless of age, time of application, employment at an endorsing hospital or medical history.
SIGNATURE
eligibility
For employees who are under 65 in a permanent position, working more than 18 hours per week with health and dental coverage through another group plan.
SUPREME
ELIGIBILITY
For employees who are under 65 in a permanent position, working more than 18 hours per week but aren’t covered by another group plan.
STANDARD
ELIGIBILITY
For employees of any age who work less than 18 hours per week and hospital retirees.
GUARANTEED COVERAGE
HCP offers GUARANTEED coverage, with no medical questions asked, to all eligible enrollees regardless of age, time of application, employment at an endorsing hospital or medical history.
ENDORSING HOSPITALS
Each plan member is eligible for only one plan at any given time. Enrollees are required to select the package that corresponds to his or her average number of hours worked per week or his or her age. Employees must be actively at work in order to enroll.
PARTNERS & ASSOCIATES
WHO WE ARE
Many hospital employees are paid in lieu of benefits but lack options for a competitive health and dental plan. After identifying a need in the industry, the Health Care Providers Group Insurance Plan came to fruition. Launched in 1997 at the Oshawa General Hospital (now Lakeridge Health Oshawa), HCP has grown to include over 90 hospital systems in the province of Ontario. Endorsing sites range from hospitals like Lady Dunn in Wawa to Sunnybrook and Mount Sinai in Toronto.
Recently, we expanded our network and are proud to report that HCP is now available from coast to coast.
HOSPITAL VISITS
Our next hospital visit may be yours! Find out when we’ll be at your hospital next
We’d love to meet more people face-to-face.
THE LATEST FROM HCP
Visit our resources centre for the latest news and helpful information from HCP.
Traveling can be one of life’s greatest pleasures, but it can also come with its fair share of bumps along the way. Whether you’re heading to a sunny beach, exploring a busy city, or setting off on a big adventure, things don’t always go as planned. That’s where travel insurance becomes a crucial part of your plans. It’s like having a backup plan that helps protect you if something unexpected pops up and you need to cancel or cut your trip short. Without travel insurance, you could be left bearing the brunt of non-refundable costs, which can quickly add up and derail your travel plans. Protection Against Unforeseen Events Life is unpredictable, and sometimes, despite careful planning, events arise that are beyond our control. Medical emergencies, sudden illness, or unexpected family emergencies are just a few scenarios where travel insurance proves invaluable. If you have to cancel your trip because of these reasons, your insurance can help recover your non-refundable expenses, such as flights and accommodation. Financial Security Traveling often involves substantial financial commitments, from booking flights and accommodations to securing tours and activities. When plans go awry, you risk losing all that money if you haven’t purchased trip cancellation insurance. This financial protection can safeguard you against these losses, ensuring that you don’t face a significant financial setback due to circumstances beyond your control. Peace of Mind The peace of mind that comes with knowing you’re covered in case of an emergency can’t be denied. The thought cutting a trip short or losing money because of an unexpected situation can be distressing. With travel insurance, you can travel with confidence, knowing that you have a safety net in place if things don’t go as planned. Coverage for a Range of Situations Travel insurance isn’t just about covering medical emergencies. Many policies offer a range of protections that include trip interruptions, delays and even certain types of travel disruptions. For instance, if your flight is delayed, or you need to cut your trip short due to an urgent situation, your insurance might cover additional costs such as accommodation and meals. This comprehensive coverage ensures that you’re protected against a wide array of travel-related issues. Benefits Beyond Cancellation In addition to cancellation protection, many trip insurance policies offer coverage for other potential issues, such as lost or stolen luggage, travel delays, and emergency medical expenses. These benefits can be especially valuable in foreign countries where medical care and unexpected expenses can be significantly more expensive than at home. Fortunately, with Health Care Providers Group Insurance Plan’s Supreme and Standard packages, you’re covered with a travel benefit* of $1,000,000 per year and trip cancellation** of $5,000 per trip. Easy access to emergency travel assistance is also at your fingertips with CanAssistance, included in all HCP health plans. In addition to support in a medical emergency, CanAssistance provides pre-travel assistance including travel advice and advisories from the Canadian government, as well as general help if a passport or another important document is lost or stolen. There’s even assistance if baggage is lost or delayed. Ultimately, this type of insurance isn’t just about covering potential losses; it’s about enjoying your well-deserved vacation time with peace of mind. By having a safety net in place, you’re not only protecting your financial investment but also ensuring that you can handle unexpected situations with confidence. The added security allows you to focus on what truly matters – making the most of your trip and creating unforgettable memories. So, before you set off on your next adventure, consider how trip insurance can turn travel uncertainties into manageable bumps in the road, letting you relax and enjoy your journey! *Travel Benefit: Out of province/out of country emergency medical services up to 60 days for each trip; dollar maximum is per calendar year regardless of the number of trips. **Trip Cancellation: Per covered person, per trip included in the overall maximum out of province/out of country.
Retirement is often thought of as a time of relaxation, travel and enjoying some much deserved down-time after decades of hard work. However, as one transitions from a life of employment to retirement, it’s crucial to consider the importance of maintaining health insurance. For Canadians, health insurance after retirement is not just a matter of convenience; it’s a vital component of maintaining a high quality of life and financial security. While our national healthcare program provides comprehensive coverage for many medical services, it doesn’t cover everything. Prescription medications, dental care, vision care, and certain types of rehabilitation are often not included. As we age, the likelihood of needing these services increases. Chronic conditions, which are prevalent among seniors, often require ongoing mediation and specialist care. Having supplemental health insurance can help cover these additional costs, ensuring that retirees can access the medical care they need without experiencing financial strain. One of the key reasons health insurance is vital after retirement is the rising cost of healthcare. While a substantial portion of essential services are covered by the national program, the out-of-pocket expenses for uncovered services can quickly add up. As the CLHIA’s (Canadian Life & Health Insurance Association) factbook reveals, prescription drugs and dental care are the two biggest reasons for filing claims as these are also the two largest healthcare expenses Canadians incur. For uninsured retirees, who typically live on a fixed income, these costs can be burdensome. Health insurance plans can mitigate these expenses, providing coverage for prescriptions drugs, dental services, vision care, and other medical costs not typically covered. Health insurance can also offer peace of mind. Knowing that you’re protected against unexpected medical expenses allows you to enjoy your retirement years without the constant worry of how you will afford your healthcare needs. This financial security is particularly important for those with pre-existing conditions or a family history of medical issues. Health insurance can also provide access to a broader network of healthcare professionals and facilities, enabling retirees to receive timely and high-quality care. In addition to financial security, having health insurance after retirement can also improve overall health outcomes. It’s no secret that preventative care, which is often included in health insurance plans, plays a crucial role in maintaining good health. Regular check-ups, screenings, and vaccinations can help detect health issues early, when they are easier and less expensive to treat. By facilitating access to these services, health insurance can contribute to better long-term health and well-being for retirees. Another important consideration is the potential for travel during retirement. Many retirees dream of spending part of their retirement exploring new destinations, both within Canada and abroad. However, Medicare does not cover healthcare services received outside of the country, and provincial coverage may be limited. Travel health insurance, often available as part of a comprehensive health insurance plan, can provide coverage for medical emergencies that occur while traveling. This ensures that retirees can enjoy their adventures without the risk of incurring substantial medical expenses. Health insurance can also help cover the costs of home care and long-term care services, which are increasingly important as we age. Coverage for these services is often limited and doesn’t fully address the needs of those requiring extensive care. Health insurance plans that include long-term care coverage can help fill this gap, providing support for in-home care, assisted living, and nursing home care. This is particularly important for those who wish to remain in their homes as they age, as home care services can be significantly more affordable than institutional care. Investing in health insurance is not just about covering medical costs; it's about securing a quality of life that allows retirees to fully embrace and enjoy their hard-earned leisure time. It's never too early to start planning for your future. Health Care Providers Group Insurance Plan offers continuous health and dental coverage without any age limitations for termination. As long as you maintain your premium payments, we ensure uninterrupted coverage. Visit healthcareproviders.ca to learn more or get in touch with us at 1-866-768-1477 to discuss your options!
Navigating the journey through the health insurance landscape might seem a bit overwhelming, especially with all the unfamiliar terms and jargon. But understanding the language of health insurance is key to making smart decisions about your coverage and keeping tabs on your healthcare costs. That’s why we’re here to simplify the terminology often linked with health insurance, offering you a helpful glossary that will empower you on your healthcare journey. Beneficiary: A beneficiary is a person, charity, organization, etc., designated to be the recipient of a covered person’s life insurance benefit. Coinsurance: Coinsurance is the percentage of covered medical expenses you pay after you’ve met your deductible. Your health insurance plan pays the rest. Coordination of Benefits (COB): COB occurs when you have more than one health insurance plan. It outlines the process by which the two plans work together to cover your medical expenses, avoiding overpayment. Deductible: A deductible is the amount you must pay out of pocket for covered healthcare services before your insurance plan starts to contribute. For instance, if you have a $1,000 deductible, you need to pay the initial $1,000 of eligible expenses before your insurer begins sharing the cost. Dependent Life Insurance: Life insurance for an employee’s spouse or children. Elimination Period: The time period between an injury and the receipt of benefit payments. In other words, it is the length of time between the beginning of an injury or illness and receiving benefit payments from an insurer. Exclusion: Exclusions are specific healthcare services or treatments not covered by your insurance policy. It’s crucial to understand these exclusions to avoid unexpected expenses. Explanation of Benefits (EOB): An EOB is a statement from your insurance company detailing the costs of healthcare services, what they cover, and how much you may owe. It is not a bill but provides a summary of your insurance claim. Formulary: A formulary is a list of prescription drugs covered by your insurance plan. Medications are often categorized into tiers, each with different cost-sharing requirements. Guaranteed Issue: A guaranteed issue is a situation where an insurance policy is offered to an applicant without underwriting, typically during certain enrollment periods or due to specific qualifying events. Life Insurance: Insurance providing for the payment of benefits upon the death, whether by accident or otherwise, of the life insured. Long Term Disability Benefit: A benefit that provides income replacement to an employee who has become totally disabled due to illness or injury. Non-Evidence Maximum (NEM): The highest amount of coverage an employee can have without providing medical evidence of good health. NEM’s are provided on benefits like Life, ADD&D, STD, and LTD. Offset : In relation to Long Term Disability benefits, offsets represent payments made to the claimant from alternative sources which offset/reduce the amount of money paid to them by the HCP plan. Pre-Existing Condition: Any injury, sickness, or condition that exists before the date an insurance policy takes effect. Predetermination of Benefits: A form or letter that is sent from your medical or treatment provider to your insurer before undergoing treatment. Your insurer can review the proposed treatment and determine how much will be reimbursed by your plan. Premium: The premium is the amount you pay for your health insurance coverage, typically monthly. It’s a fundamental cost associated with maintaining your insurance policy, whether you use healthcare services or not. Underwriting: Underwriting is the process insurers use to evaluate an individual’s health status and other risk factors when determining eligibility for coverage and premium rates. Waiver of Premium: An insurance policy clause that waives premium payments if the policyholder becomes critically ill, seriously injured, or physically impaired. Understanding these terms will further equip you with the knowledge needed to make informed decisions about your health insurance coverage. Of course, if you have questions about your plan or need assistance choosing a plan that will work for you and your specific needs, don’t hesitate to reach out to us at info@healthcareproviders.ca or 1-866-768-1477.
Are you prepared for the unexpected?
You never know what the future holds, but with HCP, you will have peace of mind knowing that you and your family are well protected.
