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Ann Marie Stuart

If you are a casual hospital employee, you are likely familiar with not having benefits provided for you through your job. With an increasing number of employees being hired on a part-time and casual basis, employers are offering benefits packages less frequently. For casual employees with families, not having healthcare benefits can mean that you are faced with large medical bills. Having access to benefits has many advantages for employees, not least of which is the peace of mind that accompanies knowing that any unforeseen medical expenses are covered by a benefits plan.

 

Benefits plans are crucial for both covering unexpected medical costs and for maintaining good mental and physical health. Benefits that provide complete coverage are not out of reach for casual hospital employees. They can receive comprehensive benefits through Health Care Providers (HCP). HCP offers its subscribers group benefits plans on an individual basis. Here’s what you need to know:

 

Who Is HCP?

 

Health Care Providers exists to provide benefits to hospital employees who do not typically have healthcare coverage provided to them through their jobs. These commonly include casual, part-time, and retired hospital employees.

 

Do I Qualify?

 

Qualifying for HCP is as simple as being a hospital employee who does not currently have benefits. There are many hospitals that endorse HCP plans; check to see if yours is on the list. There is no minimum hourly requirement to qualify for an HCP plan; you simply must be actively working. There are different plan options covered through HCP, which depend upon the amount of hours that you work per week. Each HCP plan corresponds to a different level of hours worked. HCP plans do not require the submission of a health questionnaire or medical history in order to qualify. Applicants have the option of submitting a statement of health in order to be considered to receive an Optimum level of coverage, which is available at no additional cost.

 

What Do the Benefits Include?

 

For casual employees who work under 18 hours per week and their families, HCP offers Plan 2. Plan 2 has two built-in levels of coverage: Essential and Complete. These levels correspond to different amounts of coverage for items included within the plan and are priced accordingly. Plan 2 includes comprehensive health benefits coverage, which includes the following:

 

Health Coverage:

 

Plan 2 includes coverage for many medical items and health services including prescription medications, out-of-country travel, and private duty nursing. An extensive list of paramedical services are also offered through Plan 2. These paramedical services include massage therapy, physiotherapy, chiropractic, osteopathy, acupuncture, chiropody, and podiatry. Plan 2 also offers coverage for visits to the optometrist for eye exams and prescription eyewear. Hearing aids (including parts and replacement) are also covered through Plan 2.

 

Optional Dental Coverage:    

     

You have the option of purchasing additional dental coverage through Plan 2, which can be added to both of the Essential or Complete levels. The optional dental coverage includes two levels of coverage, Basic and Enhanced.

 

Getting Coverage For You and Your Family

 

HCP plans are not only for individuals but can provide healthcare benefits for your entire family. To apply for HCP benefits, simply access the application forms on the HCP website. When you protect the mental and physical health and well-being of yourself and your family, you are making an investment in your future well-being.

Ann Marie Stuart

Ann Marie is an employee benefits professional with over 25 years of experience helping clients understand and leverage their benefits plan in groups across Canada. She has built her expertise with some of the largest employee benefit plan providers and multi-employee benefit trusts in Canada. Getting to know her clients is one of the most enjoyable aspects of her work and helping them navigate the complex nature of employee benefits is one of the most rewarding. Ann Marie loves to hunt for antique and vintage treasures everywhere she goes. She loves the beach and spends as much time as possible with family and friends.
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