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Coordination of Benefits

November 19, 2018

Coordination of Benefits, or COB, is a benefit claim procedure developed by the Canadian Life and Health Insurance Association (CLHIA) for individuals covered under two or more Health and/or Dental Plans.

Applying this procedure ensures that you and your dependents receive the maximum eligible benefits available from all plans under which you are covered. It also outlines the method used for determining where to submit your claims first. Read More →

DrugHub for Plan Members

October 25, 2018

Great-West Life has launched their new GroupNet™ providing you with access to streamlined content that makes accessing benefits information easier than ever! Read More →

NEW! GroupNet™ for Plan Members

September 25, 2018

Great-West Life has launched their new GroupNet™ providing you with access to streamlined content that makes accessing benefits information easier than ever! Read More →

Do You Have Dependent Children?

August 27, 2018

If you have unmarried, natural, adopted or step children, under the age of 22 and not working more than 30 hours a week, unless they are full-time students, they are eligible for coverage through your group benefits plan with Great-West Life. If your child is age 22 or over, they must be a full-time student to maintain coverage until age 25. Read More →

Dental Coverage

July 29, 2018

As part of Red River College’s Flex Benefits Program, employees have coverage for a variety of Health benefits depending on the Flex Option you are enrolled in. The Flex Options provide varying degrees of coverage for Drugs, Health, Dental Vision and Health Care Spending Account. We would like to take this opportunity to highlight some of the Dental benefits you may have coverage for under the Flexible Benefits Program. Read More →

Beneficiary Designation

June 20, 2018

It is important to review your beneficiary designations regularly (once every 12 months) to ensure it reflects your current situation. Careful planning and consideration should be taken to ensure that the current situation is properly reflected in your designation and that the proceeds reach the intended hands. If you have recently experienced a Life Event or a change in family status, it may be a good time to review your beneficiary(ies). Read More →

Life Events

May 28, 2018

When you elect a Health and Dental option, you are locked in at that level until the next re-enrolment period, which is every two years unless you experience a Life Event.

What is a Life Event?

A Life Event is:

  • Adding a spouse through marriage, common-law relationship, or birth/adoption of a child
  • Losing a spouse through death, separation or divorce
  • A child becomes ineligible under your plan
  • Your spouse loses or gains coverage through their own employer’s group plan

What do you do if you experience a Life Event?

You must contact Human Resource Services within 60 days after experiencing a Life Event. If a Life Event is not reported within 60 days you will not be eligible to change your Flex Option and your next opportunity will be during the next re-enrolment.

For more information on your Flex Options, refer to your benefits booklet. Read More →

Health Coverage

April 23, 2018

As part of Red River College’s Flex Benefits Program, employees have coverage for a variety of Health Benefits depending on the Flex Option you are enrolled in. The Flex Options provide varying degrees of coverage for Drugs, Health, Dental, Vision and Health Care Spending Account. We would like to take this opportunity to highlight some benefits you may have coverage for under the Flexible Benefits Program.

Paramedical Coverage

Paramedical coverage is available for employees in Flex Options 2, 4, and 5 under the Flexible Benefits Program. Your coverage is based on your Flex Option choice.

The term Paramedical is used to describe medical professionals including:

  • Audiologist
  • Athletic Therapist
  • Chiropractor
  • Dietician
  • Massage Therapist
  • Naturopath
  • Osteopath
  • Podiatrist/Chiropodist
  • Psychologist/Social Worker
  • Speech Therapist

In order for your paramedical expense to be eligible, your paramedical practitioner must be licensed by the appropriate provincial or federal organization.

Vision

Vision coverage is available for employees in Flex Options 1, 2, 4 and 5 under the Flexible Benefits Program. Your coverage is based on your Flex Option choice.

The following Vision expenses are eligible to the maximum dollar amount and frequency applicable to your Flex Option:

  • Eye Examinations
  • Glasses
  • Contact Lenses
  • Laser Eye Surgery

In order for your vision expense to be eligible, services must be performed by the appropriate licensed professional.

Reimbursement of Health Care expenses is subject to maximum amounts applicable to each benefit and considers reasonable and customary charges.

Please refer to your benefits booklet to see the maximum and coinsurance applicable to each paramedical practitioner for your Flex Option.

The above is a summary of the provisions of the group plan. In the event of a discrepancy between this benefit and the master contract, the terms of the group contract will apply. Read More →