Learning Center
Prescription Drug Costs Breakdown
The Breakdown Of Prescription Drug Cost Understanding the total cost of a prescription drug claims means learning the 3 main components: Actual cost the pharmacy pays the drug company or wholesaler to buy the drug. Percentage charged to cover the expenses involved in...
Why Ask For Detailed Quote Information?
Why we need detailed quote information from your current plan? Detailed Quote Information tells us a story, enabling us to create the right solution Getting involved in a Group Benefits program is different than purchasing a commodity. Most consumers are familiar with...
Target Loss Ratio: How It Affects Your Benefit Plan
What is a Target Loss Ratio? Target Loss Ratio(TLR) is the amount of premium the Group Benefits provider grants to the payment of claims. It is also referred to as the Acceptable Loss Ratio How TLR is Determined It is primarily determined by the number of lives on the...
Second Opinion Consultation Coverage
When Your Clients Need A Second Opinion The Co-operators offers expert consultation coverage for serious illness or mental health condition. The diagnosis of a serious illness or mental health condition is a time for clear answers, treatment options and hope. You can...
Employment Insurance Revisions for 2020
The federal government announced its annual revisions to Employment Insurance (EI) maximums and premium rates. Regarding Employment Insurance revisions Clear Benefits would like to help plan sponsors and their members understand the changes that will affect Short Term...
Cigna Global Customers – New Welcome Packs
Based on direct feedback from our customers and brokers we are going digital with all policy documents. This allows us to reduce paper waste, which is more environmentally friendly.What is changing? We will no longer be sending hard copy policy documents to our...
Update to OHIP+ Coverage
The Ontario government has announced that effective April 1, 2019, OHIP+ Children and Youth Pharmacare will only be available to those Ontario residents under the age of 25 that do not have private insurance drug plans. Starting Apr. 1, 2019 Prescription drug coverage...
A Guide to Buying Benefits | Video Series
2019 Renewal of Pooled Programs
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2018 Employment Insurance adjustments
The federal government announced its annual revisions to Employment Insurance (EI) maximums and premium rates. Effective January 1, 2018, the following changes will affect Short Term Disability (STD) volumes and premiums:This change affects your STD plan if: The...
The Co-operators Medication Management Program
A cost effective solution for specialty drugs that is focused on the well-being of plan members living with complex medical conditions. We’ve partnered with HealthForward Inc. to deliver a medication management program that provides plan sponsors and their members...
iCBT What It Is and How It Can Help You
The Co-operators therapist-guided, internet-based Cognitive Behavioural Therapy The Co-operators has partnered with Morneau Shepell to deliver an online iCBT program that combines a personalized therapist-guided program with online tools and exercises. In January...
Here4You: Employee and Family Assistance Program
Reach out. Get help. Feel better. Immediate and confidential support You can trust the Here4You Employee and Family Assistance Program to help you and your family find solutions for a wide range of life’s challenges. Caring professionals can help you access support...
Benefits Fraud – How can you recognize it?
Can you recognize benefits fraud? Insurance fraud is a growing concern and we need your help to tackle this issue. It may seem like a victimless crime but benefits fraud impacts everyone; affecting the price of insurance premiums. The Co-operators has partnered with...
Provincial health insurance a prerequisite for plan members
To be an eligible participant in a Co-operators group benefits plan, plan members and their dependants must first have provincial health insurance, and work and reside in Canada. Ensuring it’s in place is the responsibility of plan administrators. Some...
ContinYou GOLDEN – 2019 Renewal Information
2019 Renewal Information Thank you for choosing The Co-operators for your retirement health and dental benefits. We value our relationship and work hard to create an excellent client experience. Your decision to purchase our ContinYouTM GOLDEN product will...
2019 Employment Insurance adjustments
The federal government announced its annual revisions to Employment Insurance (EI) maximums and premium rates; these changes are effective January 1, 2019. The 2019 Employment Insurance changes will affect the following Short Term Disability (STD) volumes...
Providing Group Benefits to the Medical Cannabis Industry
The following is our current position related to covering employers with Group Benefits for the production and wholesale of Cannabis for Medical purposes: We will consider employers who manufacture and wholesale so long as they are registered with the...
ClearBenefits.ca Pooled Programs support prescription drug choice
ClearBenefits.ca Essentials & Lifestyle prescription drug programs offer uncommon client choice Programs offering both Generic or Brand-Name options therefore giving you more options Client choice at point-of-sale Comprehensive coverage: Prescription-by-Law,...
ClearBenefits.ca Franchise Program Overview
Learn more about the advantages of the ClearBenefits.ca program for the Franchise industry Background: Our pooled program was originally designed for the Retail, Service and Franchise Industry ClearBenefits.ca has one of the only programs that works for...
Renewals & the ‘client experience’
We tend to meet clients at 2 points: A new client that wants something with the best opportunity for rate stability so they can prepare reasonable budgets, or When they are tired of the renewal roller coaster, and want the best opportunity for stable rates...
Orthopedic footwear and Orthotics
Orthotic medicine is concerned with the design, manufacture and application of orthopedic footwear and orthotics. These aids are prescribed as medically necessary, to correct congenital or post-traumatic deformities and other severe foot abnormalities. Orthotics are...
Compound Drugs Information
What is a compounded medication? Pharmacy compounding is the science of preparing personalized medications for individual patients. Compounded medications are made based on a practitioner’s prescription in which individual ingredients are mixed together in the exact...
New look for Pay Direct Drug cards
Effective September 1, 2018, we will begin issuing our new refreshed Pay Direct Drug (PDD) cards. The double-sided card will have a sleek new look, with the plan member and dependent information appearing on the front of the card. The reverse side will...
Employer Health Tax Notice
Government of British Columbia introduces new Employer Health Tax Effective January 1, 2019 it is proposed that employers with annual payrolls of over $500,000 for employees working in BC will be subject to a new Employer Health Tax. This is to make up for the revenue...