Prescription drug insurance from Quebec or from your employer?
If you have a health insurance card (RAMQ) in 2019, you are required to be covered by one of the following plans:
a private group insurance plan that offers you basic drug insurance and other guarantees such as life insurance, disability insurance, paramedical care, as well as additional cover such as dental care, vision care insurance, etc .;
the Quebec public drug insurance plan (if your employer does not provide a group insurance plan).
Join your employer's group insurance plan
If you have the possibility of being covered by a group insurance plan at your work, you are required to join it. If you did not join such a plan when you had the possibility, you will have to pay a contribution to the Quebec prescription drug insurance plan, which can reach more than $ 600 / per spouse (in 2019).
But beware ! Even if you pay a contribution to the Quebec prescription drug insurance plan, you are not entitled to the benefits offered by this plan (you could not be covered by this plan since you were required to join the drug insurance plan. group insurance that was offered to you with your employer). Ditto for your spouse.
Converting your group insurance into individual insurance
Contact us for more explanations when leaving your job, voluntary or not. You have 60 days to convert your group health insurance into individual health and care insurance. And you have 31 days to convert your group life insurance into individual life insurance without proof or medical questionnaire.
If you are still not covered by a private or public plan, what are you waiting for?
Can we qualify for group insurance for a start-up business?
Of course, if you already have acquired experience in the field of SMEs, it is quite possible to obtain a suitable group insurance program. The various group insurance companies also encourage new businesses and provide them with assistance in controlling the costs of the group insurance plan.
If our company has only two employees, is it possible to have group insurance?
It is certainly possible to take out group insurance. Some financial institutions offer excellent group insurance programs at a lower cost and advantageous for small businesses with less than 100 employees.
If our employer provides a group insurance plan, do we have to join it?
Absolutely. You and your immediate family must join, it is the law. You can even get an exemption to purchase your group insurance plan for your spouse. Find out about the cheapest plans and compare warranties to make sure you save big.
Our employer does not want to change the company's group insurance plan. What to do?
The employer and the employees of an SME have every interest in checking the various group insurance plans offered by insurance companies in order to maintain the best prices on the market and to be up to date with the various protections offered.
What if the company’s insurance broker doesn’t want to change the group insurance plan?
Note that it is not for the broker to decide for the company whether to keep group insurance or not. He's not a group insurance company, he's a representative. All employers and employees are entitled to the best prices for group insurance.
Can we then change group insurance broker at any time?
With our team, it is possible to take over files by a simple transfer. We will be able to reduce the costs of your group insurance plan after review.
Can we benefit from a guaranteed rate for 2 years instead of renewing each year?
Under certain conditions, it is indeed possible for your SME to obtain group insurance at the best price and to benefit from fixed rates for two years and to check the benefits so that they are suitable for your business.
Should we wait until the contract is renewed to change our group insurance plan?
Not at all. If you have changes that benefit your SME, we invite you to act quickly, shop around for your group insurance and make the changes to benefit from immediate discounts.
Is our employer required to pay part of the premium for the group insurance plan?
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