91ÖÆƬ³§

More information about MSP and the province's Fair Pharmacare program can be obtained from the Health Insurance BC website, the administrative home of these programs.

Please note: The Medical Services Plan is separate and distinct from the 91ÖÆƬ³§ Group Health Benefits Plan (often referred to as the "Health Supplement" or "Extended Health").

91ÖÆƬ³§ pays 100% of premiums for group benefit coverage with a few exceptions such as LTD for exempt employees (Senior Managers, Administrators & Excluded Staff) which is employee paid.

As a bargaining unit employee, your health and welfare benefit coverage is determined through collective bargaining between your respective union and 91ÖÆƬ³§. Specific benefit coverage is outlined in your respective collective agreement. As a non-bargaining unit employee, your health and welfare benefit coverage is determined by the policy governing the terms and conditions of your employment.

Enrolment in Medical Services Plan (MSP) is mandatory for all residents of British Columbia and is required for coverage under 91ÖÆƬ³§â€™s group benefit plan. Eligibility for participation in the Group Health and Dental Benefit Plan is as follows:

• Administrators who have a continuing appointment with 50% or greater workload or a temporary appointment who will be employed for 6 months or more at 50% or greater workload will be eligible for coverage the first day employment commences.
• Faculty members who have a continuing appointment with 50% or greater workload or a term appointment who will be employed for 5 months or more work at full-time equivalent will be eligible for coverage the first day employment commences. Term faculty are not eligible for long term disability (LTD).
• Vocational members who have a regular appointment with 50% or greater workload or a non-regular with 6 months or more employment and working 20 or more hours per week are eligible for Extended Health and Life Insurance benefits. You must be working 30 or more hours per week for Long Term Disability and Dental benefits and will be eligible for coverage the first day employment commences.
• Support staff employees who have a regular appointment with 50% or greater workload, an employee who shared appointments with 17.5 hours or more per week, or an auxiliary employee after 2,520 accumulated hours and a workload of 50% or greater will be eligible the first day employment commences for Extended Health and Emergency Travel Assistance.

Life Insurance provides financial protection to an employee's beneficiaries in the event of an employee's death while insured. Accidental Death & Dismemberment (AD&D) provides financial protection to an eligible employee in case of accident resulting in injury to, or loss of, limb(s) or financial protection to an employee's beneficiaries in the event of the employee's accidental death while insured.

Long Term Disability (LTD) provides an eligible employee with financial assistance in the form of income replacement in the event the employee becomes disabled under the terms of the plan and unable to work.

Extended Health Care (EHC) provides coverage for eligible employees and their dependents for certain health related services not covered by the provincial Medical Services Plan (MSP) including reimbursement for prescription drugs, medical travel expenses, professional services such as chiropractor, registered massage therapist, ambulance, etc., eyeglasses and/or lenses, and other supplies and services as outlined in the benefit booklets.

Dental provides eligible employees and their dependents with coverage for specific preventative and restorative dental services.

Emergency Travel Assistance provides coverage for eligible employees and their families in the event emergency medical expenses occur when traveling out of province or country.