2019 Sun Life Rates

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 adjustments to the Extended Health and Dental Care plan premium rates, effective Jan. 1, 2019. The renewal rates are based on analyzing 12 months of past claims experience (Jul. 1, 2017 – Jun. 30, 2018) while incorporating ongoing inflation.

Dental Plan Current 2018 Monthly Rates New 2019 Monthly Rates
Effective Jan. 1, 2019
Adjustment
Single $45.81 $49.08 + 7.14%
Couple $91.91 $98.16 + 6.80%
Family $136.26 $145.80 + 7.00%
Extended Health Plan Current 2018 Monthly Rates New 2019 Monthly Rates
Effective Jan. 1, 2019
Adjustment
Plan 1 (LTM* $15,000)
Single $60.19 $51.16 – 15.00%
Couple $120.40 $102.32 – 15.02%
Family $120.40 $102.32 – 15.02%
Plan 2 (LTM* $50,000)
Single  $92.48 $103.94 + 12.39%
Couple $186.81 $207.88 + 11.28%
Family $186.81 $207.88 + 11.28%
Plan 3 (LTM* $200,000)
Single $63.75 $65.66 + 3.00%
Couple $127.53 $131.32 + 2.97%
Family $127.53 $131.32 + 2.97%

* LTM – Lifetime Maximum

Medical Services Plan Updates

The Medical Services Plan (MSP) is the provincial government program that covers medically-required services provided by physicians and supplementary healthcare practitioners, laboratory services and diagnostic procedures.

Please note the following MSP updates:

  • Effective Jan. 1, 2019, there will be no MSP premium rate changes. (Note: No MSP premiums are charged for dependent children. To be considered as a dependent child, they must be under the age of 19, or between the ages of 19-25 attending school full time.)
  • Beginning Jan. 1, 2019, employers such as UBC will pay an Employer’s Health Tax (EHT) to allow for full elimination of MSP premiums. BC Residents will still be required to pay MSP premiums for the 2019 calendar year.
  • Beginning Jan. 1, 2020, all BC residents will no longer be required to pay monthly MSP premiums. Employers will continue to pay the Employer’s Health Tax (EHT).
MSP Rates Monthly Premiums Effective Jan. 1, 2019
One Adult $37.50
Two Adults $75.00

 

2018 Reminders

Submit Your Extended Health Claims

Any extended health medical claims incurred in 2017 must be received by Sun Life by Dec. 31, 2018.

To submit your claim online:

To mail a paper claim form:

  1. Fill out a paper claim form by:
  1. Attach the relevant original receipts. Keep copies for your records.
  2. Mail your completed claim forms and original receipts to:

Sun Life
PO Box 2010 Stn Waterloo
Waterloo, ON N2J 0A6

2018 Tax Receipts

Every year, tax receipts are issued to retirees who pay their own extended health and/or dental premiums. The tax receipts will be mailed to you by Feb. 28, 2019.

Please contact Julia Carandang only if you do not receive the letter by Mar. 15, 2019.

Allianz Out-of-Country Claim Form

If you are enrolled in the Extended Health Plan and require emergency medical care while travelling outside BC, you or someone with you must call Allianz Global Assistance before receiving medical care. As Sun Life’s travel benefits provider, Allianz will guarantee or advance payment for eligible medical care. You can contact Allianz in the following ways:

  • In Canada & the US: 1-800-511-4610
  • All Other Countries: 1-519-514-0351
  • Documents Fax Line: 1-519-514-0374

Note: All invasive or investigative procedures (such as surgery, angiogram, MRIs) must be pre-approved by Allianz, except in extreme circumstances.

Submitting claims for emergency medical expenses:

If you are submitting an emergency medi­cal claim (i.e. for services and supplies while in hospital, or for outpatient and physician’s services incurred outside of BC or Canada), Allianz will coordinate payment of your claim with the Medical Services Plan, the UBC plan and any other plans you have coverage with.

For more details, including payor information and the option to purchase additional travel coverage to protect your lifetime maximum, please visit the RSB website or refer to your Policy Booklet.

How to submit a claim:

  1. Within 30 days of your return home, complete the Allianz Emergency Medical Expense Claim Form.
  2. Attach original receipts and make a copy of the entire claim for your records.
  3. Mail your claim form to the appropriate address indicated on the form.

Submitting claims for non-emergency medical expenses:

How to submit a claim:

  1. To ensure you are properly reimbursed, keep all receipts and always obtain a fully itemized bill for any hospital treatment.
  2. Complete an Extended Health Claim Form within 30 days of your return home and submit it to Sun Life. In section 3, indicate your claim is for out-of-Canada expenses.
  3. Attach original receipts and make a copy of the entire claim for your records.
  4. Mail your claim form to the appropriate address indicated on the form.

Submitting claims for non-emergency dental expenses outside of BC/Canada:

To submit a non-emergency dental claim:

  1. Complete a Dental Claim Form and submit it to Sun Life when you return home.

To submit a dental claim as a result of an accident:

  1. Complete an Allianz Emergency Medical Expense Claim Form within 30 days of your return home.
  2. Attach original receipts and make a copy of the entire claim for your records.
  3. Send the documents to the address listed on the form.

Frequently Asked Questions

Where can I find detailed information regarding my Sun Life extended health and dental benefits?

Where can I find the Sun Life extended health claim forms?

I lost my Sun Life pay-direct card. How do I find my benefits information?

  • First, note your RSB policy number (020605) and Sun Life Member ID (your 7-digit UBC employee ID OR 9-digit Social Insurance Number.)
  • Next, use your policy and member ID details to sign in the Sun Life website, where you can access your benefits information and download your new card.
  • You can also check your RSB enrolment confirmation letter for benefits information.
  • Contact Julia Carandang to obtain a new card.

Why was my extended health/dental claim denied?

  • UBC does not have access to your personal medical/dental usage and claim history. You will need to contact Sun Life directly at 1-800-661-7334 or at 1-800-361-6212.

I tried to submit a claim using policy number 025205, which is what I used as an employee in UBC, but I have been informed that my benefits have been terminated. What do I do?

  • Check that your policy number is 020605. Your Sun Life Member ID will be the same as when you were an active employee.
  • Refer to your RSB confirmation letter for a details related to your benefits.
  • Inform your medical providers of the changes to your benefits information.

Sun Life Delisted Service Providers

Sun Life regularly updates their list of delisted service providers. This means that certain medical and dental providers/services are not allowed to process claims through Sun Life.

This also means that Sun Life will not reimburse any claims from the providers/services that are mentioned on this list. Sun Life deems this necessary to protect you and your plan, so that only eligible claims are processed.

You can view information regarding the delisted service providers when you sign into your Sun Life account. You may also contact Sun Life directly at 1-800-361-6212 if you have any questions.

Email Option for RSB Plan Members

Thank you to the RSB plan members who have opted to receive RSB program information by email. We will publish the first email version of Viewpoints in the summer of 2019.

To receive RSB program information by email, please contact Julia Carandang as we require your written consent. Otherwise, we will continue to send your RSB program information by regular mail.

Summer Travel on a Budget

In today’s economy, you might feel that a summer vacation is a luxury you can’t afford. But if you’re willing to plan ahead and step outside your usual routine, you can take that trip of a lifetime and still manage to hold onto a good portion of your money.

To get you started on your next travel adventure, here are some money-saving tips to consider.

Travel independently

Packaged tours may be easier to arrange, but you’re paying for the convenience. If you are willing to book everything yourself, you could save a lot of money during your travels. For example, book your own hotels; eat at local diners; hire local guides; or discover the city on foot instead of by tour bus. These are small changes, but you could save hundreds of dollars.

Choose the right destination

Some destinations are more expensive than others. Before you set your heart on a trip to the Maldives, do a little research. You may find you can travel to another equally exciting destination for half the cost. Look for places with good infrastructure for independent travel so you can stretch your dollars.

Shop around when booking flights

To find a good deal, start by searching the internet; there are several excellent discount travel sites to compare prices. Or, take the information you’ve gathered and visit a travel agent. Believe it or not, travel agents can usually still find you the best deal.

If your travel dates are flexible, many airlines offer cheaper rates on certain days. Give yourself a window of two to three days and you could secure a better deal.

But don’t cheap out on travel insurance! Read the fine print and make sure you have the coverage you need. For more information, see our sidebar article on Emergency Medical Travel Insurance and purchasing additional travel coverage.

Use alternative accommodations

Consider renting a camper van. Many campgrounds in Europe have full amenities

(including swimming pools) and are located near cities served by free shuttle service.

Hostels are also becoming popular outside of the backpacking world, with private rooms more readily available.

Fly from an alternative airport

Flying from Canada can sometimes be expensive, whereas you could save a few hundred dollars just by flying from the United States. If you live near the border, look for fares on departures leaving from the closest American airport.

Also, while a direct flight is more comfortable, you’ll find that allowing for layovers will be much cheaper than flying direct. Plus, you could end up discovering a new place during your layover!

Determine the cost ahead of time

Before you take a taxi from the airport, find out what the fare should be by doing some research at home and stating your destination with confidence. Ask the price and do the calculation before you accept the ride. If the price is way out of line, say no and bargain for a lower rate. Prices can vary, but double and triple the standard fare is unacceptable.

The same can be said for accommodations and tours. It’s easy to find information about basic hotel costs and various tours online. If you are quoted an outrageous price, don’t be afraid to ask for a cheaper deal. In many countries, bartering is normal and expected.

Calculate the exchange

Calculate the Canadian currency equivalent before settling on a price. Sometimes, the price will sound great when quoted in the local currency, but when you convert it later, you realize you were overcharged. There’s nothing wrong with using a currency conversion phone app or pulling out a calculator. It can be much easier to enter in a number and show the merchant what you want to pay.

Learn the local language

Last but not least, learn a bit of the local language. “Hello,” “thank you” and “goodbye” can go a long way to breaking the ice.

Remember, the more you know about your destination, the more money you will save. Happy and safe travels!

Source: Sunlife

Emergency Medical Travel Insurance

For those enrolled in the Sun Life Extended Health plan, emergency medical travel insurance is included with your benefits. Travel insurance is for medical emergencies only and does not include coverage for lost luggage or trip cancellation. Coverage is for up to 90 days per trip, and reimbursement is at 100% — up to your remaining lifetime maximum (LTM).

Click here to obtain your Medi-Passport card for travel coverage information, or call Julia Carandang at 604-822-4580 to have a  paper card mailed to you.

To track your remaining LTM balance, please contact Sun Life directly at 1-800-661-7334. If you want to purchase additional travel coverage to protect your LTM, or if you feel your LTM balance provides insufficient coverage, you’ll need to ensure your individual coverage will be the first payor for emergency medical expenses and not your Extended Health benefits through the RSB Program.

Allianz Global Assistance Resource:

  • In Canada and the US: 1-800-511-4610
  • Elsewhere: 1-519-514-0351