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Supplemental health plan at a glance

What the plan covers

H is for Health

  • 100% semi-private hospital coverage (80% for chronic, convalescent or rehabilitative hospital).
  • 80% of eligible medical practitioners, subject to certain limitations and restrictions
  • 75% of eligible medical services and procedures, subject to certain limitations and restrictions (except eye exams, see below).
  • 100% emergency medical coverage and travel assistance while travelling outside your province of residence (including outside of Canada). Coverage is limited to 90 days per trip. If you are travelling on University business (sabbatical leaves, conferences, etc.), coverage will continue past the first 90 days of your trip, provided you remain eligible for Medicare coverage.
  • 100% of the cost of one eye exam rendered by a licensed optometrist or an ophthalmologist registered under Medicare limited to a maximum of $70 once every 24 consecutive months.

Out of pocket maximum:

  • $400 per year for single coverage.
  • $800 per year for family coverage.

100% of expenses once the out of pocket maximum is reached.


There is no deductible under the Supplemental Health Plan.

Who the plan covers

  • Member only, or
  • Member plus eligible spouse and children.

Who pays for coverage

Shared equally by you and McGill.

Cost depends on whether you select single or family coverage

If you leave McGill before retirement

Coverage ends.

If you become disabled

Coverage continues while you are eligible for benefits under the McGill LTD Plan, provided you pay your share of plan costs.  In the case of an active member whose employment terminates while they are in receipt of LTD payments, the continuation of the Pension Plan, Health Plan and Dental Plan shall not extend beyond the employment end date.

If you retire

Coverage can continue, provided you had coverage prior to retirement.

If you die

Before retirement

If you die before retirement, and were under age 65, and you had family coverage, your spouse and eligible dependent children can choose to continue coverage under the plan for up to three (3) months, provided they pay both their share and the University's share of the benefit cost.

If you die before retirement, and you were 65 and over, and you had family coverage, your spouse (and eligible dependent children)can choose to continue coverage under the plan indefinitely, provided they pay their share of the benefit cost.

After retirement

If you die after retirement (regardless of your age), and you had family coverage, your spouse (and eligible dependent children) can choose to continue coverage under the plan indefinitely, provided they pay their share of the benefit cost.