FIQ (Fédération Interprofessionnelle de la santé du Québec)

2018 Group insurance consultation

You have until May 6, 2018, to participate in the consultation

Welcome to this broad consultation on your group insurance plan!

The FIQ regularly consults its members, but for the first time, it is consulting all of its members. Prior to this consultation, the FIQ conducted extensive work in collaboration with an actuarial consultant and an ad hoc insurance committee composed of 8 union reps from the FIQ and FIQP. Some of the members of the committee had previously been enrolled in a different group insurance plan with another labour organization.

This work enabled the FIQ to evaluate the current insurance coverage and to develop other group insurance plans. The FIQ is now proposing 4 possible group insurance plans that offer different coverage options. It is still possible for you to keep your current coverage with each of the options.

You will need to choose between 4 options

When you begin the consultation, you will see 4 group insurance plans and will need to choose which one you prefer.

Option 1 : Current FIQ plan
Option 2 : Modified plan
Option 3 : Modular plan A
Option 4 : Modular plan B

You have until May 6, 2018, to participate in the consultation



Why does the FIQ consult its members?

The FIQ regularly consults its members to know what kind of group insurance contract they prefer so as to provide a group insurance plan that meets their needs. However, needs may vary widely from one person to another, especially at the FIQ, an organization with people from different generations. It is therefore difficult to meet all members’ expectations regarding group insurance.

What is the main goal of group insurance?

Group insurance is a way to share expenses among an insured group to maintain financial security when unexpected events occur (illness, disability, death).

When I pay group insurance premiums, what do they go toward?

Your insurer uses your life insurance and dental care premiums to:

  • 80 % : Reimburse members’ claims
  • 12 % : Pay taxes
  • 6 % : Cover the insurer’s management costs
  • 2 % : Build a reserve fund for members’ claims

What is a universal plan?

A universal plan, like the current FIQ plan, allows members to benefit from the same coverage. There are three types of coverage status (individual, single-parent or family). Members of the same coverage status all pay the same premiums. A universal plan is the least expensive type of plan because it is based on the group insurance principle and does not offer anti-selection, meaning that members cannot opt to pay the lowest possible premium while maximizing their claim reimbursements.

What is a modular plan?

A modular plan allows members to choose from a selection of pre-defined modules. Premiums will vary from one module to another and will cost more because they include more coverage options. This involves anti-selection; in other words, members will try to pay the lowest possible premium while maximizing reimbursed benefits. This is the reason why insurers require a minimum enrollment period to limit premium hikes.

Is the FIQ insurance plan mandatory?

Yes. The Act respecting prescription drug insurance stipulates that any person who is eligible for private group insurance must enroll themselves and their dependents (spouse and children).

Am I eligible for an exemption?

Yes. You can request an exemption from some coverage as long as you provide evidence to the insurer that you and your dependents, if applicable, are insured under another group insurance plan with similar coverage.

Why is there a minimum enrollment period in options 2 to 4?

When a group insurance plan offers individual options, insurers require a minimum enrollment period to reduce anti-selection risks. This means that members attempt to pay the lowest possible premium while maximizing claim reimbursements.

What is the employer contribution to the FIQ plan?

The government makes a contribution to the basic prescription drug insurance plan every 14 days. For FIQ and FIQP members enrolled in the FIQ group insurance plan, the contribution is $2.30 for individual coverage and $5.97 for single-parent and family coverage.

What is a deductible?

A deductible is a specific amount of money that members must cover before they are eligible for a reimbursement. The annual maximum members will pay for co-insurance and the deductible is $800. Once members have paid this amount, any additional prescription drugs will be 100% reimbursed.

Example to illustrate the deductible for prescription drugs:

Let’s say you buy the first prescription drug at a cost of $200 on January 15. If your annual deductible is $50, you will first have to pay the $50 deductible. Then you will have to pay the 20% co-insurance amount on the remaining $150, which will come to $30. You will pay $80 for the prescription drug and the insurer will pay $120. Let’s say you buy a second prescription drug at a cost of $200 on January 20. Since you already paid your $50 annual deductible, you will now only need to pay for the 20% co-insurance, which comes to $40. The insurer will cover the remaining $160 for the prescription drug.

 Prescription drug purchase
Prescription drug purchase20% co-insurance paid by the member80% co-insurance paid by the insurer
January 15$200$50$30$120
February 15$200$0 (maximum reached)$40$160
March 15$100$0$20$80
Maximum amount / year$50$800, including the $50 deductibleUnlimited

What is a lifetime maximum?

It is the maximum amount the insurer will pay in benefits to the insured for that individual’s lifetime, or per certificate (member and dependents), as applicable.

What are the proposed changes in the 4 plan options?

When you begin the consultation, you will see 4 plan options. For each option, there is a summary table, or an expanded table with more details. Plan option 1 is the FIQ’s current plan without any changes. It’s your current insurance plan. For plan options 2 to 4, coverage changes are highlighted in green and new coverage options are highlighted in red.

Why don’t any of the options include vision care, such as glasses?

The current FIQ plan (option 1) does not include vision care. As for the other 3 plan options, what the FIQ discovered during the work with the actuary and ad hoc insurance committee was that the insurer’s administrative fees and the taxes on premiums for this coverage were very high and it would be more expensive to add the coverage to the insurance than for individuals to cover the cost of this care.

This coverage would require a 7.3% increase in premiums, which would mean between $56 and $129 more annually depending on the coverage status. This does not include the 9% tax. Therefore, the FIQ decided not to include this coverage in the options.

Why are there dental care modifications in options 2, 3 and 4?

Plan options 2, 3 and 4 offer individual coverage options instead of one option per institution. Switching to a plan with individual options requires higher premiums. To avoid an increase in premiums, and instead to decrease them, reimbursements and cleaning frequency were adjusted and a deductible was added for non-preventive care. All three of these plan options require a minimum 36-month enrollment period for dental care.

Why didn’t long-term disability insurance change?

Long-term disability insurance is the most important coverage in a group insurance plan. It includes long-term income replacement in the event of long-term disability. This ensures that members on disability receive an income allowing them to meet their financial obligations for the duration of their disability. FIQ members currently have excellent long-term disability coverage at a very competitive rate. As a result, the FIQ decided not to modify this coverage.

Why doesn’t the FIQ add a “common-law couple” coverage status?

Including a common-law couple status would benefit approximately 20% of members with family coverage. While a common-law couple coverage would lower premiums for these members, individual, single-parent and family coverage would increase by approximately 5.5%, depending on the selected coverage options. Since this additional coverage status would increase premiums for the vast majority of members, the FIQ decided against it.

Can members switch modules within plan options 3 and 4?

You can switch to an enhanced module at any time. However, there is a 24-month minimum enrollment period before you can switch to a reduced module.

Is my participation in the consultation confidential?

Yes. Your answers are confidential. The information you give to access the consultation will only be used to ensure that you are a member of the FIQ or FIQP.

What do I do if I have trouble accessing or participating in the consultation?

To access the consultation, you must give your first and last name, employee number and institution number. The information you provide must match that of your employer because that is the information that we received. Check this information with your employer if need be. If your employer recently changed your employee number, you can try entering your former number.


You have until May 6, 2018, to participate in the consultation

What will happen after the consultation?


Next June, your union representatives will approve the group insurance plan based on the results from the consultation. The FIQ will then conduct a call for tenders during the summer of 2018 for the next insurance contract renewal, which will take effect on April 1, 2019.