Sep 26 – 27 2024
BCRTA Conference 2024
Hyatt Regency Hotel
Below is a brief summary and comparison of benefits offered by:
Note: This is a general summary only. Always contact the provider to confirm the details of the plan as they apply to you.
Data is current as of September 1, 2023
![]() Green Shield (TPP default) | ![]() BCRTA Johnson (Member Benefit) |
|
---|---|---|
Plan Percentage | 80% (1st $1,000); 100% thereafter | 80% |
Deductible | $200 per person per calendar year / $400 per couple | None |
Lifetime Maximum | $200,000 | $250,000 |
Prescription Drugs | Pharmacare Low-Cost Alternative (LCA) & Reference Drug Program (RDP) pricing | Choice of Annual Calendar year Maximum Plan 2 (if you & your spouse were born 1940 or later):
Directly for drug coverage limit options and an accurate premium quote. |
8% mark-up limit | 8% mark-up limit | |
$10 dispensing fee cap per script | $10 dispensing fee cap per script | |
BC provincial formulary (Pharmacare)
|
||
Contact to obtain information about your Pharmacare Account | https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/pharmacare-for-bc-residents/contact-us | |
Pharmacare Low-Cost Alternative (LCA) & Reference Drug Program (RDP) pricing | ||
Vaccines ($100 per calendar year) | ||
Express Scripts Pharmacy (Voluntary/Optional benefit)
|
||
Health Education | Not Covered | $100 per calendar year |
Hearing Aids | $1,400 per 4 calendar years | $1,400 per 4 calendar years |
Paramedical Services | Combined $1,000 per calendar year | Combined $1,000 per calendar year |
Chiropractor, Chiropodist/Podiatrist, Registered Massage Therapist, Naturopath, Physiotherapist, Psychologist/Master of Social Work or Social Worker/Counsellor, Acupuncturist | Same paraprofessionals as GSC as well as Athletic therapist, osteopath, clinicial counsellor, social worker,speech therapist, dietician/nutritionist |
|
NEW – includes Registered Shiatsu Therapists (RST) | ||
Vision Care | $300 per 2 calendar years | $300 per 2 calendar years |
(eye exams included in vision care maximum) | 1 exam per 2 calendar years up to $100 | |
NEW – lens implants $200 per 2 calendar years & provides coverage for intraocular lens after ANY type of surgery | ||
Travel | Out-of-Province (in Canada only) | Optional Add-On:
|
NEW – $10,000,000 Emergency Medical Coverage | ||
$8,000 Trip Cancellation, Interruption & Delay Insurance | ||
No stability clause (sudden & unforeseen medical emergencies) | ||
No Health Option Questionnaire (if joining from a group plan) | ||
Deductible Option: $1,000 deductible (save 10% on Base Plan premiums) | ||
Baggage & Personal Effects Benefits | ||
Additional 5% Home insurance discount for travel insurance policyholders |
To see the experience of people on each of these plans, visit the EHC Satisfaction Survey conducted by BCRTA.