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?

Watch now to learn more about HCP and all that we offer.

"Retirement was not an easy decision and that feeling of giving up everything made me anxious. The one thing I did not have to give up was my benefits. HCP worked with me to provide me with what was important to me."


 - Janet

"I’ve been able to afford all my medications while working part time. It’s lowered my stress and improved my own well being! Thanks for being such a great option for health care workers!”


- Natalie

"As a part time employee navigating benefits on my own, HCP made it so easy! They answered questions and made suggestions to help with my decision making. Thankful for the helpful and kind staff.”


- Lisa

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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.

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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.

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STANDARD

ELIGIBILITY

For employees of any age who work less than 18 hours per week and hospital retirees.

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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.

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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.

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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.

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THE LATEST FROM HCP

Visit our resources centre for the latest news and helpful information from HCP.

June 18, 2025
Looking to save money? Here are a few simple tips for HCP members to help keep your benefit plan more affordable. If Your Plan Includes Drug Coverage Dispensing Fees Each time you fill a prescription, the pharmacy applies a dispensing fee, which helps cover costs such as packaging, professional advice, and the pharmacist’s operational expenses. In Ontario, the typical dispensing fee ranges from $5 to $13. This fee directly affects the cost applied to your group plan when you submit a claim. If your plan has a dispensing fee cap (e.g., a $10 maximum), any fees over that cap are paid directly by you. Maintenance Drugs If you're taking a maintenance medication, ask your doctor to prescribe a 3-month supply (the maximum for maintenance drug refills). This way, you'll only pay for one dispensing fee instead of three. Generic Drugs Generic drugs are typically 70% cheaper than their brand-name counterparts, yet they are generally just as effective. The cost difference can range from $70 to $100. Consider asking your doctor if a generic option is available. Additional Savings GreenShield Pharmacy is a free digital service available to all Standard & Supreme plan members, offering personalized support, competitive pricing, lower dispensing fees, and free delivery— all from the comfort of your home. Costco is known for its low prices on both medications and dispensing fees. You don't need a membership to fill prescriptions there—simply inform the staff upon entering that you're there to pick up prescription medications only. Dental Dental fees are reviewed and updated every January. If your HCP plan includes dental coverage, ask your dentist if their charges align with the current fee guide, and then compare it to your dental plan’s coverage to avoid any surprises. If your dentist’s charges exceed the current guide rates, you can inform them that your plan only covers the rates for the current year. The dentist may then adjust their fees to match your coverage. Treatment Plans Before undergoing any costly dental procedures, ask your dentist to submit a pre-authorized treatment plan that outlines the proposed treatment along with a cost estimate. This allows you to know in advance which expenses will or won't be covered, helping you plan accordingly. Paramedical Practitioners Paramedical practitioners, including chiropractors, massage therapists, physiotherapists, and psychologists, typically charge rates suggested by their professional associations. In Ontario, these rates can range from $75 to $280 per visit. By exploring different options in your city, you may be able to find more affordable prices for the same treatment Vision Care When using your Vision Care benefits, consider shopping with trusted Canadian online retailers like Kits.ca or Clearly.ca. They offer stylish, affordable eyewear—often at lower prices than in-store options—and many provide virtual try-on tools and free shipping. Stretch your benefits further without compromising quality or convenience!
April 10, 2025
When it comes to securing your financial future, many people focus on their retirement savings, health insurance, and other forms of coverage, but one often overlooked aspect is Long Term Disability (LTD) insurance. Unfortunately, accidents or illnesses can strike unexpectedly, and if they do, LTD insurance can help protect you from a severe financial strain. But how do you know how much LTD insurance you should have? The amount you need depends on several factors unique to your situation. Lifestyle: Assessing Your Current Standard of Living One of the most critical factors in determining your LTD insurance needs is your current lifestyle. How much does it cost for you to maintain your standard of living? Consider your daily expenses, housing costs, utilities, food, transportation, and any lifestyle choices that affect your finances. If you were unable to work due to an illness or injury, how much of your current lifestyle would you need to maintain to stay comfortable? LTD insurance should cover the essentials that ensure your financial security and peace of mind during a difficult time. Family Responsibilities: Who Depends on Your Income? Another essential consideration is your family responsibilities. Do you have children, a spouse, or other dependents who rely on your income? Are you a single parent, a non-custodial parent, or caring for aging relatives? In these cases, your LTD insurance should provide enough coverage to support not only your daily expenses but also the needs of your family. If you're the sole breadwinner or play a crucial financial role in your family, LTD coverage becomes even more critical. If you’re unable to work, having sufficient coverage will ensure that your family continues to thrive and meet their needs without unnecessary hardship. Debts: Who Will Cover Your Financial Obligations? Another crucial factor is your debt obligations. What would happen to your mortgage, car loan, credit card payments, or other financial commitments if you couldn’t work? In many cases, these debts can become overwhelming, especially when you're facing the added challenge of a disability. LTD insurance can act as a safety net, covering these ongoing financial obligations and preventing you from falling behind on payments. It’s vital to consider how much you owe and how your financial obligations will change if you can no longer bring in a paycheque. Financial Resources: How Dependent Are You on Your Paycheque? How much do you rely on your paycheque to make ends meet? While many people depend heavily on their regular income, others may have substantial savings, investments, or other resources that could help tide them over. If you have significant financial resources, you might need less LTD coverage. However, it’s important to consider how long your savings or investments would realistically last if you were unable to work for an extended period. For most people, LTD insurance will be vital, even if they have other financial resources. It can provide a cushion for an uncertain future, covering both essential living costs and unexpected expenses that may arise during a long-term disability. If you're unsure about how much excess LTD coverage you may be eligible to apply for or want to explore the best options for your situation, our knowledgeable team is here to help guide you through it all! With HCP’s Signature Package or Supreme Package, eligible part-time and casual employees have access to LTD coverage of $1000 per month in addition to Life Insurance ($10,000) and Accidental Death, Disease & Dismemberment Insurance ($25,000). Contact us today to learn more about how we can help protect your future and provide the peace of mind you deserve.
November 12, 2024
In the ever-changing landscape of healthcare, professionals face unique challenges that can impact their ability to work. As a healthcare worker, you play a vital role in ensuring that hospitals run smoothly and that patients receive the care they need, but have you considered what would happen if you could no longer fulfill your role due to a disability? This is where Long-Term Disability coverage becomes essential. According to Statistics Canada, the rate of disability in Canada increased from 2017 to 2022. New findings from the 2022 Canadian Survey on Disability (CSD) showed that 27% of Canadians aged 15 years and older, or 8.0 million people, had one or more disabilities that limited them in their daily activities. By comparison, 22% of Canadians, or 6.2 million people, had one or more disabilities in 2017. [1] What is Long-Term Disability Insurance? Long-Term Disability insurance provides financial support when you are unable to work due to a serious illness or injury. Unlike Short-Term Disability coverage, which typically covers a limited timeframe, LTD benefits can last for years, often until retirement age. This means that in the event of an unexpected health crisis, you can focus on recovery rather than worrying about your financial stability. Why is LTD Coverage Important for Part-Time and Casual Hospital Employees? Increased risk of financial instability: Part-time and casual workers often rely on multiple income streams. If an unexpected health issue arises, being unable to work even one of those jobs can create significant financial strain. LTD insurance can help bridge this gap, providing steady income during tough times. Inherent risks of the profession: Healthcare professionals often face physical demands that can leads to injuries. Things like lifting patients, long hours on your feet, and exposure to various health risks are all part of the job. A back injury or chronic condition can leave you vulnerable to perform essential functions, making LTD coverage crucial. Limited employer benefits: Many part-time and casual positions may not offer comprehensive benefits packages. While full-time employees often have access to health insurance, retirement plans, and disability coverage, part-time staff may not have these protections. Investing in your own LTD coverage can help fill this void. Choosing the Right Coverage When considering Long-Term Disability insurance, it’s important to consider your options carefully. Here are some factors to keep in mind: Understand your employer’s offerings: Check if your hospital offers group LTD plans. Sometimes, part-time employees may qualify for certain benefits, so it’s worth exploring. Evaluate coverage amount: Look for a policy that will replace a significant portion of your income – ideally around 60-70% - to help you maintain your standard of living. Consider the elimination period : This is the time you must wait before benefits kick in. Shorter periods may come with higher premiums but can provide quicker financial relief. Check the definition of Disability: Policies can differ in how they define disability. Make sure you understand whether the policy covers partial disabilities or if you must be entirely unable to work. Long-Term Disability coverage is an important safety net for part-time and casual hospital employees. In a profession marked by unpredictability and physical demands, having this protection can make a significant difference in your financial security and peace of mind. Investing in LTD insurance is not just about protecting your income; it’s about ensuring that you can continue to care for yourself and those around you without the added burden of financial stress. Health Care Providers Group Insurance Plan has options that can make a significant difference. With HCP’s Signature Package or Supreme Package, eligible part-time and casual employees have access to LTD coverage of $1000 per month in addition to Life Insurance ($10,000) and Accidental Death, Disease & Dismemberment Insurance ($25,000). Don’t wait for the unexpected - email us at info@healthcareproviders.ca or call 1-866-768-1477 to explore your options and secure your future today. [1] https://www.statcan.gc.ca/o1/en/plus/5980-disability-rate-canada-increased-2022

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.

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