Effective August 1, 2017, 6% PST is applicable to all premiums and fees for Saskatchewan divisions.

Retiree Benefit Plan

The Merit Contractors Association Retiree Benefit Plan is available to retired employees between the ages of 55 and 90. Participation is optional. You are eligible to join within 90 days of termination of your Hour Bank or Office Supervisory Benefit Plan coverage. If you do not apply during that time, you will be unable to join the plan at a later date. Mercon will send a notification letter to eligible employees along with an application. Click here to view participation rules.

The basic Retiree Benefit Plan includes extended health care (including emergency travel benefits) and Best Doctors® services. There are three levels of coverage from which to choose: Gold, Silver and Bronze. Optional dental coverage may be added to the basic extended health care coverage. One level of dental coverage is available, regardless of whether the Gold, Silver or Bronze health care option is chosen. Coverage is available on a “single” basis, insuring only the retired employee or on a “couple” basis, insuring both the retired employee and spouse.

Click here to view rates based on your province of residence: AB/NWT, BC/YT, MB, NB, NL/PEI, NS, ON, SK.

For information on the extensive benefits available under the Merit Contractors Association Retiree Benefit Plan, please click here to view the Retiree Benefit Plan Booklet.  Alternatively, a summary of benefits can be viewed below:

Extended Health Care

Feature

Gold Coverage

Silver Coverage

Bronze Coverage

Deductible (prescription drugs only)

Nil

Nil

An amount equal to the dispensing fee

In-Canada Prescription Drugs

80%*

60%

60%

Diabetic Supplies (needles, syringes, lancets, lancing devices, infusion sets, urine/blood glucose testing strips)

80%

80%

80%

All Other Expenses

100%

100%

100%

Hospital

Semi-private

Semi-private

Semi-private

Home Nursing

$10,000 per calendar year

$10,000 per calendar year

$10,000 per calendar year

Smoking cessation products

$500 lifetime

$500 lifetime

$500 lifetime

Fertility Drugs

$2,500 lifetime

$2,500 lifetime

$2,500 lifetime

Dispensing Fee Limit

$9.00 per prescription (a maximum of five (5) dispensing fees are covered for each maintenance drug every calendar year)

$9.00 per prescription (a maximum of five (5) dispensing fees are covered for each maintenance drug every calendar year)

Member must pay full dispensing fee

Hearing Aids

$1,000 every 5 calendar years

$1,000 every 5 calendar years

$1,000 every 5 calendar years

Custom-fitted Orthopedic Shoes

$400 per calendar year

$400 per calendar year

$400 per calendar year

Custom-made Orthotics

$350 per calendar year

$350 per calendar year

$350 per calendar year

Myoelectric Arms

$10,000 per prosthesis

$10,000 per prosthesis

$10,000 per prosthesis

External Breast Prosthesis

$400 every 2 calendar years

$400 every 2 calendar years

$400 every 2 calendar years

Surgical Brassieres

2 per calendar year

2 per calendar year

2 per calendar year

Mechanical or Hydraulic Patient Lifters

$2,000 per lifter once every 5 calendar years

$2,000 per lifter once every 5 calendar years

$2,000 per lifter once every 5 calendar years

Outdoor Wheelchair Ramps

$2,000 lifetime

$2,000 lifetime

$2,000 lifetime

Electric Wheelchairs

$4,000 lifetime

$4,000 lifetime

$4,000 lifetime

Blood-glucose monitoring machines

$700 lifetime

$700 lifetime

$700 lifetime

Blood Pressure Monitor

$150 every 3 calendar years

$150 every 3 calendar years

$150 every 3 calendar years

Insulin Infusion Pumps

1 every 5 calendar years

1 every 5 calendar years

1 every 5 calendar years

Transcutaneous Nerve Stimulators

$700 lifetime

$700 lifetime

$700 lifetime

Extremity Pumps for Lymphadema

$1,500 lifetime

$1,500 lifetime

$1,500 lifetime

Custom-made Compression Hose

2 pairs per calendar year

2 pairs per calendar year

2 pairs per calendar year

Custom-made Burn Garments

2 pairs per calendar year

2 pairs per calendar year

2 pairs per calendar year

Wigs for Cancer Patients

$500 lifetime

$500 lifetime

$500 lifetime

Aerochambers

1 every 2 calendar years

1 every 2 calendar years

1 every 2 calendar years

Allergy Testing Supplies

$40 per test to a maximum of $200 lifetime

$40 per test to a maximum of $200 lifetime

$40 per test to a maximum of $200 lifetime

Acupuncturists

$500 per calendar year

$300 per calendar year

No coverage

Chiropodists/Podiatrists

$500 per calendar year

$300 per calendar year

No coverage

Chiropractors

$500 per calendar year

$300 per calendar year

No coverage

Dieticians

$500 per calendar year

$300 per calendar year

No coverage

Massage Therapists

$500 per calendar year

$300 per calendar year

No coverage

Naturopaths

$500 per calendar year

$300 per calendar year

No coverage

Osteopaths

$500 per calendar year

$300 per calendar year

No coverage

Psychologists

$500 per calendar year

$300 per calendar year

No coverage

Physiotherapists

$500 per calendar year

$300 per calendar year

No coverage

Speech Language Pathologists

$500 per calendar year

$300 per calendar year

No coverage

Out-of-Country Emergency Travel Coverage

$1,000,000 per occurrence (30-day trip limit)

$1,000,000 per occurrence (30-day trip limit)

$1,000,000 per occurrence (30-day trip limit)

Out-of-Country Non-Emergency Travel Coverage

$25,000 Lifetime (Payable at 50%)

$25,000 Lifetime (Payable at 50%)

$25,000 Lifetime (Payable at 50%)

All other expenses

Unlimited (up to the reasonable and customary maximum)

Unlimited (up to the reasonable and customary maximum)

Unlimited (up to the reasonable and customary maximum)

 *prescription drug coverage increases to 90% if individual incurs eligible prescription drug claims of $5,000 or more in a calendar year, for the remainder of the calendar year.

 

 

Best Doctors® Services 

Best Doctors core services are included in the Retiree Plan Gold, Silver and Bronze coverage levels.  For more information on these services, click here.

Best Doctors, InterConsultation, FindBestDoc, FindBestCare, Best Doctors 360° and the Star-in-Cross logo are trademarks of Best Doctors Inc.

 

Dental Coverage: Gold, Silver and Bronze Coverage Levels

Deductible

Nil

Basic Services

80%

Major Services

50%

Accidental Dental Services

100%

Basic and Major Services Maximum

Combined maximum of $2,500 each calendar year

Accidental Dental Injury

$10,000 per incident

Recall Exam Frequency

Once every 12 months