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Q: Who is eligible for coverage?
A: Canadian residents, their Spouses and their Dependent Children (under age 21, or 25 if a full-time student). Dependent Children of any age may be covered indefinitely if they are mentally or physically incapable of self-support. Q: When must an application be made?
A: An Application for Insurance may be submitted at any time, up to age 70. The
Applicant must complete the Personal Information and Plan Information sections, and both the Applicant and Spouse must respond to the Health Information section and sign the Declarations section. Q: Why are medical questions asked?
A:
The plan is supported entirely by contributions from people covered under this plan. Premium rates reflect plan usage, and are more stable when people, not previously insured under a health plan, are in generally good health when admitted into this plan. Q: When does coverage commence?
A:
Coverage commences the first of the month coincident with or next following approval of the Personal Health Declaration. Q: When does coverage cease?
A:
Coverage ceases the last day of the month coincident with or next following the date the Applicant dies. An insured Spouse may elect to retain coverage (and for any Dependent Children also, if applicable) by continuing premium payments. Coverage also ceases in the event that a required premium payment is not received. Q: How does Menuflex™ compare to other plans in the marketplace?
A: The Program offers comprehensive, needs-related protection compared to other plans and is very cost-competitive.
Limitations & Exclusions The Menuflex™ Retiree Benefits Program health protection plan benefits are subject to the following: Eligible expenses are those incured for the treatment and care of an illness or injury, based on usual, reasonable and customary charges for the jurisdiction in which the expenses were incurred, less any amount payable under a government health plan or any other health insurance plan the person is covered under at the time an expense is incurred. Rental, or at the insurer's option, purchase of durable medical equipment must be appropriate for home use, able to withstand repeated use, and generally not useful in the absence of illness or injury. The Health Protection plan benefits do not include the following: - Treatment which is elective, cosmetic, experimental or not medically necessary.
- Treatment and care rendered in a chronic care or psychiatric hospital, chronic unit of a general hospital, long term care facility, health spa or nursing home.
- Over-the-counter
or smoking cessation products, vitamins, patented medicines, experimental drugs, fertility drugs, and obesity drugs.
- Food and nutritional systems, delivery and transportation charges, information manuals or pamphlets, instructional video kits, and devices for recreational or sporting activities which are not medically necessary for regular activities.
Upon approval, you will be sent a Program Booklet describing in detail your benefit coverages and eligible expenses. |
