Individual group plans have slightly different rules, and although HCP is offered on a voluntary basis like an individual plan, we function like a true group benefits program. This allows us to offer valuable income protection to eligible employees which aren’t typically included in standard individual plans.  

Our program includes an unparalleled offer for life, long term disability and accidental death disease and dismemberment benefits guaranteed.

No! Monthly premiums are the responsibility of the plan member (employee).

Eligible employees are part-time, casual, temporary and/or contract employees not receiving benefits as part of their compensation. Employees who are retiring or losing benefits are also eligible to receive coverage through HCP.

Endorsing hospitals agree to communicate the availability of the HCP plan to any and all of your eligible employees, those employees have access to a better health care plan and more benefit offerings, with no medical questions asked.

While employees at any hospital may join the plan, employees of endorsing hospitals receive more robust protection, guaranteed, in comparison to what would be offered to them if their hospital was not an endorsing hospital.  

Your endorsement begins with a 60-day initial implementation, during which any eligible employees will be extended our Complete or Complete Plus health coverage and the core Life, Long-term Disability and Accidental Death, Disease & Dismemberment depending on the employees age, hours of work and employment status.

Additionally, any eligible new hires, employees who will lose their benefits (ie. switching from full-time to part-time) or future retirees will be offered their own individual 60-day open window so that they can benefit from your endorsement too. 

What we ask of your team is active and ongoing support in communicating the availability of the plan to your employees at the time which they become eligible for our plan. We will provide all plan information, marketing materials and messaging to distribute to prospective employees and then we take it from there.

The hospital will benefit in a myriad of ways, including having access to the HCP proprietary products as well as other plan offerings for employees in unique situations. In addition, your employees will benefit from a higher level of guaranteed coverage only offered throughout the 60-day initial implementation and their own respective 60-day open windows where they meet the eligibility requirements.

Yes! In addition to sending printed material, we also have digital assets available for use.