Who is eligible to join?

Is participation mandatory?

Is it possible to participate in only part of the Plan?

Yes, if you live in Quebec and are at least 65 years old.

In this case, the law allows you to choose to have the drugs that appear on the formulary of the Régie de l'assurance maladie du Québec (RAMQ), covered under either:

In fact, at age 65, you automatically join RAMQ's universal drug plan. Unless you inform QPAT otherwise, we will assume that you will remain with that plan for RAMQ drug coverage since the cost for such coverage is lower under that plan than under QPAT's Plan. However, whichever plan you choose for drug coverage does not affect your coverage of other eligible expenses under QPAT's Health Plan.

Note:The coverage of drugs is linked to the retired member's age, not to a dependent's age. For example:

When must I join?

You must be a retired member of QPAT to be eligible for coverage. You have 60 days following your retirement date to submit a Participation Request form.

If you live in Quebec and are under age 65, you may join after this 60-day deadline, provided QPAT accepts you as a retired member. Other conditions may apply.

Note: If you opt out of the Plan because you have coverage elsewhere, you may join the Plan when your other coverage ends, provided you have previously become a retired member of QPAT.

When must my eligible dependents join?

If you live in Quebec and are under age 65, you must enroll your spouse and dependent children in the Health Plan:

Also, if you live in Quebec and are under age 65, you must enroll your eligible dependents when—and if—their coverage ends under another health plan elsewhere.

Note: Your spouse may also join the Health Plan after your death. Please call QPAT for details.

What are my choices of category of coverage?

You have four categories of coverage to choose from:

1. You only
   
   
2. You and your children
   
   
3. You, your spouse, and your children (if any)
   
   
4. No coverage at all (allowed only under certain circumstances)

You will pay the premium for the category that you are insured for.

How do I enroll?

1. Complete a Participation Request form.
   
   
2. Send the completed form to QPAT, at the address appearing at the top of the form.

When does coverage begin?

•	For your eligible dependents
	Your dependents' coverage begins on the latest of the following dates:
		the date on which your coverage takes effect;
		the date on which your spouse and dependent children become eligible, according to the Plan's definitions; and
		the date QPAT receives the application, provided your spouse and dependent children are eligible, according to the Plan's definitions.

Can I change category of coverage?

Yes. You can change your category of coverage if a major life event occurs.

Major life events include:

In any event, if you live in Quebec and are under age 65, the law requires that you and your eligible dependents be covered under a group health insurance plan, such as QPAT's Health Plan, provided you have access to such a plan.

To change category of coverage:

1. Complete the Participation Request form.
   
   
2. Send the completed form to QPAT, at the address appearing at the top of the form.

Can I opt out?

Yes, but only if you and your eligible dependents have coverage elsewhere.

Here's what you need to do:

Note: Quebec law requires that you and your eligible dependents be covered under a group health insurance plan, if one is available to you.

If I opt out, can I rejoin the Plan later?

Yes, you and your eligible dependents may join the Plan at a later date if you provide proof to Industrial Alliance's satisfaction that:

In fact, if you live in Quebec, are under age 65, and your other coverage elsewhere ends, you and your eligible dependents must join the QPAT Health Plan.

To rejoin the Plan:

You should apply to join QPAT's Health Plan within 60 days after your coverage under the other plan ended. If you apply after this 60-day period, coverage under the Health Plan will not take effect until the first day of the month following the end of the 60-day period beginning on the date Industrial Alliance receives your application.

Note: Industrial Alliance cannot be held responsible for the payment of benefits that may be payable by the previous insurer under an extended coverage or conversion provision.

How do I communicate a change in personal data?

Contact QPAT for the appropriate form.

Changes in your personal data include: