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Changes to your benefits coverage at age 65

Drug Coverage

At 65, your McGill Supplemental Health Plan no longer provides basic drug coverage. You must therefore select a separate insurance plan for your drug coverage that is independent of your McGill Supplemental Health Plan. Consequently, you can no longer use your Manulife beneit card to purchase medication at the pharmacy. 

As a Québec resident:

At age 65, the Régie de l'assurance-maladie du Québec (RAMQ) will automatically enroll you in their public drug plan.  McGill offers a separate drug plan to plan members aged 65 and over that is identical to the RAMQ Drug Plan.

As a Québec resident, you have a choice to make regarding your drug coverage.  You may either:

Remain registered in the RAMQ drug plan.

You will be required to pay an additional premium to the RAMQ for such coverage (in addition to contributions for the McGill Supplemental Health Plan).

If you choose the RAMQ drug plan:

  • You must advise your pharmacist.
  • You and your dependents can no longer purchase medication with your Manulife benefit card.
  • You also register your dependents under the RAMQ drug plan if they do not have access to a private drug plan elsewhere (even if they are less than age 65). If your spouse is under age 65 and has access to a private plan through his/her employer, they will need to contact their employer about their drug coverage. You may want to explore the possibility of being covered as a dependent under your spouse's plan - at least until they reach age 65. 

OR

Deregister from the RAMQ drug plan and enroll in the McGill drug plan (RAMQ equivalent) for members 65 and over.

You will be required to pay an additional premium for coverage under the McGill drug plan (in addition to contributions for the McGill Supplemental Health Plan).

If you choose the McGill Drug Plan for members 65+:

  • You must contact the RAMQ and advise them of your decision.  
  • You must advise your pharmacist.  
  • You and your dependents can no longer purchase medication using your Manulife benefit card.
  • The McGill drug plan (RAMQ equivalent) is separate from the McGill Supplemental Health Plan and therefore has a different policy number: 37762.
  • If your spouse is under age 65, he/she will remain covered under your McGill Supplemental Health Plan with drug coverage - until they reach age 65.  You will then have to decide whether to increase to family coverage under the Mcgill Drug Plan for members 65 and over, or to both register for the RAMQ drug plan.

For more information on the RAMQ drug plan: Visit their website Turning 65  and Eligibility  or call 514-864-3411.

IMPORTANT

If you choose the RAMQ Drug Plan, you cannot opt to join the McGill Drug Plan for members 65 and over at a later date.

If you choose the McGill Drug Plan for members 65 and over, you can switch to the RAMQ Drug Plan at any time.

Whichever drug plan you choose, your coverage under the McGill Supplemental Health Plan (Policy 85210) will continue to cover all other eligible expenses such as semi-private hospitalization, eligible health practitioners, supplies and services and emergency travel assistance, and may cover eligible drugs not covered by the RAMQ Drug Plan.

 

HOW THE TWO PLANS COMPARE

 

   RAMQ DRUG PLAN  MCGILL DRUG PLAN 65+
DRUGS COVERED Prescription drugs listed on the RAMQ formulary Prescription drugs listed on the RAMQ formulary
REIMBURSEMENT

Drug charges reimbursed at 67.5%                 

Drug charges reimbursed at 67.5%

OUT OF POCKET MAXIMUM

$1006    (includes deductible and coinsurance)

$1006    (includes deductilbe and coinsurance)

Reimbursement and Out of Pocket Maximum

Updated annually on July 1st

Updated annually on July 1st to reflect RAMQ Drug Plan

ANNUAL PREMIUM

$611 per insured individual

Single: $5466.12
Family: $10,932.00

Annual premium

Subject to change annually on July 1st

Subject to change annually on January 1st

As a resident of another province:

You will need to register for drug coverage under the drug plan provided by your province of residence.  Please consult your province's provincial health care plan for further information.

Health Plan

Whether you are a resident of Quebec or another Canadian province, you may continue your coverage under the McGill Supplemental Health Plan for eligible expenses other than basic drug coverage.

These other eligible expenses include hospitalization in a semi-private room, the services of various licensed health practitioners, medical services and supplies, emergency medical travel insurance, and may include eligible prescription drugs not covered by a provincial drug plan.  *Note that the Supplemental Health Plan does not cover any coinsurance or deductible not paid by under the government drug plan.** 

Dental Care

Your coverage will remain unchanged.

Short-Term Disability (STD)

While you are actively at work, your coverage will remain unchanged.

Long-Term Disability (LTD)

Coverage ends.  Premiums are no longer charged as of age 64.5.  

 

Basic Life Insurance / Optional Life Insurance

At age 65
Basic Coverage reduces to: ½ x salary to a maximum of $50,000 while still actively at work, to a maximum of $30,000 at retirement.

McGill pays 100% of the cost of this coverage.

Optional

Option to maintain insurance bought before age 65 to a maximum of $100,000.

You pay for the amount you elect. Refer to the Rate Summary sheet for cost of coverage.

 

6 months prior to your 65th birthday

A representative from the HR Service Centre will write to you to explain the changes to your benefits coverage at age 65 and the choice you need to make regarding your drug coverage.

 

For more information, please contact the HR Service Centre at 514- 398-4747.