Dental Benefits

EHB 3 Rate Change Reminder

We recently had the data from the previous benefit year re-analyzed and have determined that Sun Life made an error in the premium adjustment for Extended Health Plan 3 for 2016. While it was originally determined that the monthly premium rates would increase by 27%, the monthly premium rates should have increased by only 11%. The premium adjustments for both Extended Health Plan 1 and Plan 2 were accurate and did not need to be adjusted further.

Effective January 1, 2016, the new monthly premium rates for Extended Health Plan 3 are as follows:

  • Single Coverage Premiums: $70.02
  • Couple Coverage Premiums: $140.07
  • Family Coverage Premiums: $140.07

These new rates were implemented effective April 1, 2016.

Consequently, this meant that there was an overpayment of premiums for the months of January, February, and March. This overpayment was refunded to you by way of a reduction to your May 1st monthly benefit payment. We apologize for any inconvenience this may have caused. If you have any questions, please contact Janet Poupart at 604-822-4580 or janet.poupart@ubc.ca.

Sun Life Rate Changes for 2016

Each year, the Sun Life Extended Health and Dental Care plans are reviewed with UBC’s Benefits Consultants to determine the appropriate premium rates to support claim costs expected for the upcoming year.

The following tables outline the required rate adjustments to the Extended Health and Dental Care plans, effective January 1, 2016. The renewal rates are based on analyzing 12 months of past experience (July 1, 2014 – June 30, 2015) while incorporating ongoing inflation.

Dental Plan Current 2015 Monthly Rates New 2016 Monthly Rates
Effective January 1, 2016
Adjustment
Single $44.19 $42.42 – 4%
Couple $88.65 $85.10 – 4%
Family $131.43 $126.17 – 4%
Extended Health Plan Current 2015 Monthly Rates New 2016 Monthly Rates
Effective January 1, 2016
Adjustment
Plan 1 (LTM* $15,000)
Single $61.05 $51.89 – 15%
Couple $122.11 $103.79 – 15%
Family $122.11 $103.79 – 15%
Plan 2 (LTM* $50,000)
Single $100.93 $100.93 0%
Couple $203.87 $203.87 0%
Family $203.87 $203.87 0%
Plan 3 (LTM* $200,000)
Single $63.05 $70.02 + 11%
Couple $126.19 $140.07 + 11%
Family $126.19 $140.07 + 11%

 

*These numbers reflect the updated numbers for 2016. If you have any questions, please contact Janet Poupart, Retirement Benefits Administrator, at 604-822-4580 or janet.poupart@ubc.ca.

Sun Life Rate Changes for 2015

Each year, the Sun Life Extended Health and Dental Care plans are reviewed with UBC’s Benefits Consultants to determine the appropriate premium rates to support claim costs expected for the upcoming year.

The following tables outline the required rate adjustments to the Extended Health and Dental Care plans, effective January 1, 2015. The renewal rates are based on analyzing 12 months of past experience (July 1, 2013 – June 30, 2014) while incorporating ongoing inflation.

 Dental Plan Current 2014 Monthly Rates New 2015 Monthly Rates
Effective January 1, 2015
Adjustment
Single $42.90 ➔ $44.19 + 3%
Couple $86.07 ➔ $88.65 + 3%
Family $127.60 ➔ $131.43 + 3%
Extended Plan Current 2014 Monthly Rates New 2015 Monthly Rates
Effective January 1, 2015
Adjustment
Plan 1 (LTM* $15,000)
Single $64.26 ➔ $61.05 -5%
Couple $128.54 ➔ $122.11 -5%
Family $128.54 ➔ $122.11 -5%
Plan 2 (LTM* $50,000)
Single $100.93 ➔ $100.93 0%
Couple $203.87 ➔ $203.87 0%
Family $203.87 ➔ $203.87 0%
Plan 3 (LTM* $200,000)
Single $57.32 ➔ $63.05 + 10%
Couple $114.72 ➔ $126.19 + 10%
Family $114.72 ➔ $126.19 + 10%

*LTM = Lifetime Maximum

 Medical Service Plan (MSP) Rate Changes

The Medical Services Plan (MSP) is the BC government program that covers medically required services provided by physicians and supplementary health care practitioners, laboratory services and diagnostic procedures. Recently, the Province of British Columbia has announced the rate changes for the Medical Services Plan (MSP). Effective January 1, 2015, the premiums will increase by $2.75 per month for individuals, $5.00 per month for couples, and $5.50 per month for families.

 MSP Rates Current Monthly Premiums Monthly Premiums Effective Jan 1, 2015
Individual $69.25 ➔ $72.00
Family of two $125.50 ➔ $130.50
Family of three or more $138.50 ➔ $144