How the Health Plan works
1. Annual premium
You pay an annual premium for coverage, through deductions by the Commission administrative des régimes de retraite et d'assurance (CARRA) or in an annual lump-sum payment to QPAT.

2. Eligible expenses
You incur eligible expenses in Canada or emergency medical expenses outside your province of residence.

3. Claims

Once you incur eligible expenses, you submit a Claim Request form for reimbursement.

For drugs, simply give your deferred-payment drug card to the pharmacist. This drug card is available for Quebec residents only.

4. Annual deductible

For most expenses, you must pay an annual deductible. This is the portion of covered expenses that you must pay each calendar year before the Plan pays benefits.

5. Reimbursement

Once the deductible is paid, if applicable, Industrial Alliance reimburses a percentage of the covered expenses incurred in the course of a calendar year. The percentage will depend on the eligible expense incurred. The actual amount reimbursed will be paid to you by cheque.

6. Maximum benefits

Reimbursements will be subject to any applicable maximum payable. The maximum, if any, will depend on the eligible expense.

7. Coordination of benefits

If you also have coverage elsewhere, reimbursement will be coordinated between both plans.