Author Topic: Public Service Health Care Plan PSHCP [Merged]  (Read 69503 times)

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Offline NFLD Sapper

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #25 on: April 29, 2008, 21:53:19 »
Maybe talk to the clerks in your OR?
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Offline exgunnertdo

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #26 on: April 30, 2008, 00:05:00 »
Coverage should have started on 1 Jan, based on the info you've provided.

http://www.tbs-sct.gc.ca/pubs_pol/hrpubs/tb_862/pshcpd-drssfp/pshcpd-drssfp04_e.asp
Quote
Unless otherwise stated, coverage will become effective on the first day of the month following receipt of the application by the designated officer if the application is received within 60 days of the applicant becoming eligible.

Where the application is received more than 60 days after the applicant becomes eligible or after the event requiring an application, the effective date of coverage will be the first day of the fourth month following receipt of the application by the designated officer.


Talk to the OR/Pay and Records.  You should have copies of what you filled out when you applied. 
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Offline Towards_the_gap

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #27 on: April 30, 2008, 11:28:38 »
Having spoken with the OR, it seems there is now no record of my application. Which has royally screwed me over, as the 'Public Service Health Care Plan Directive - April 1, 2006' states that if an application is received more than 60 days after initial eligibility, coverage starts from the first day of the fourth month following the application being received. My wife is pregnant, which is therefore making the bills pile right up, and seeing as the CFRC has already screwed up my pay enough (enrolled as skilled-RSBP granted cpl 2, somehow ended up being paid Pte III), this is going to cost alot of money.

What recourse do I have now? My CofC is aware, as is the ROR who are trying to correct this, but I hold little hope. And am understandably VERY pissed off now.

Offline exgunnertdo

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #28 on: April 30, 2008, 11:44:07 »
Did you get copies of the paperwork?  I think I did when I filled out the application.

We had this problem when we were both still PRes and my husband went on Class C.  OR didn't file the paperwork for PSHC correctly, then I broke my ankle only to discover that Sunlife was incorrectly applying the waiting period.  It took a lot of work, but it was mainly the support of the OR that fixed it.  They knew they screwed up and helped my husband sort it out.  He was in Bosnia, I was in Manitoba and his pay was being administered in Edmonton, so it took a long time to get reimbursed for the expenses.  I feel for you.

If the OR recognizes that it was their screw-up, they can back date the application.  That's what they did in our case.

Good luck! 
"Leave the Artillerymen alone, they are an obstinate lot. . ."
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Offline Towards_the_gap

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #29 on: April 30, 2008, 16:08:16 »
Regrettably no.....Which reminds me to get copies of absolutely everything next time.

HOWEVER, I have had success both through the OR and more importantly, the CofC. Pay is getting squared away, with a large chunk of backpay to come, and my application is being re-sent (I guess I will have to fill it out again tomorrow), back-dated to my enlistment date, so that I will not have any wait times.

So not much to worry about (until next time!!!)

Thanks for the replies.

Offline Dog

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #30 on: April 28, 2010, 17:46:19 »
Is there any way that I will be able to get the PSHCP when I'm overseas. I've been on workup for TF 1-10 since Sept. 2008 (reservist), and have been trying to get health coverage for my family since then, and have not had any success. I've tried calling them directly only to be told that they are unable to give me any assistance, that only my clerk can deal with it. I've pestered the clerk, bothered my chain of command, and even spoke about this issue directly to the CWO of the Army and have yet to see any results, and now that I'm deploying in a few days, I'm out of ideas, and my family is out of luck.

So, will I be able to get anything done after I hit the ground with regards to this issue? Or should I just try and find alternative coverage? Is there an alternative that anyone here would recommend?
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Offline George Wallace

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #31 on: April 28, 2010, 18:04:58 »
Is there any way that I will be able to get the PSHCP when I'm overseas. I've been on workup for TF 1-10 since Sept. 2008 (reservist), and have been trying to get health coverage for my family since then, and have not had any success. I've tried calling them directly only to be told that they are unable to give me any assistance, that only my clerk can deal with it. I've pestered the clerk, bothered my chain of command, and even spoke about this issue directly to the CWO of the Army and have yet to see any results, and now that I'm deploying in a few days, I'm out of ideas, and my family is out of luck.

So, will I be able to get anything done after I hit the ground with regards to this issue? Or should I just try and find alternative coverage? Is there an alternative that anyone here would recommend?

Your Clerk should be able to set you up.  Either they are totally incompetent, just lazy, figure that you as a Reservist Class C are not entitled, or they are not yet qualified to do the job.  Which ever it is, keep after them.  You should have that done before deploying, and it is part of the RMS clerks job to ensure that you are properly DAG'ed and good to go, seeing as you, the member have brought it to their attention.  Things like this, when dealing with this type of RMS clerk, really peese me off.  It is a tragedy that that Trade has devolved to such a low state. 

Sorry for the little rant.
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Offline dapaterson

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #32 on: April 28, 2010, 18:10:39 »
http://www.admfincs.forces.gc.ca/dcf-dsp/psh-rss/app-dem/index-eng.asp

Two forms to fill out to apply.

Also leave a supply of signed claims forms at home, to be completed and submitted as needed.


Homepage: http://www.admfincs.forces.gc.ca/dcf-dsp/psh-rss/pshcp-rssfp-eng.asp

There are also a variety of useful links on the right hand side of the homepage, with FAQs, forms and info.

Although the page says it's for RMS clerks, the info is applicable to all.

(If you have further Qs feel free to PM me)
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Offline Dog

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #33 on: April 28, 2010, 20:23:53 »
As to the forms, I've already filled the forms out and had them submitted. Twice. They have been seen by PSHCP... but nothing has happened since then. I'm not sure why. Thanks for giving me the information though, it's a site I've never seen.

George, I have been thinking the same things. I'm disappointed in the clerk staff.

I haven't deployed yet, but I do leave very soon. I have one last DAG the day before I go... I'll try to push one last time, and see what happens.

Thanks to the both of you.
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Offline PuckChaser

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #34 on: April 28, 2010, 20:30:47 »
There's a 3 month cooling off period from the time PSHCP gets the forms, I'm having to go to my SOR to sort out why they think 3 months from 7 Dec 09 extends beyond 20 Mar 10.... If your clerks have a copy of the fax timestamp when it was sent to PSHCP, they can make the date backdated to then, and not have to start your cool down period now. At least, this is what I've been told during a brief conversation with one of my clerks.

Offline George Wallace

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #35 on: April 29, 2010, 07:21:45 »
You learn the hard way to keep your own 'Shadow File' with copies of everything.  I have kept copies of Fax and Fax Cover Sheets in the past and glad I did, when things were not actioned and I had proof that I had done my part to get things moving, but someone after me in the chain had dropped the ball.  As PuckChaser pointed out, having your copy simplifies the follow up actions you may have to take.
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Offline Dog

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #36 on: April 29, 2010, 11:13:41 »
Well, that's the thing... everyone who I've dealt with WRT this issue knows I've done all the paperwork.... I'm baffled as to what the hang-up is.
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Offline Jarnhamar

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #37 on: August 21, 2012, 10:19:35 »
Currently don't have access to the din.

I have a question from a soldier I'm trying to answer.
He was wonder what the different price packages cost for benefits for his wife and kid and what all are covered in those packages. I know there are 3 different packages but have no idea how much they are a month or whats cowred.
His wife is paying $60 a month at her work for benefits so he's considering having her covered through the CF to save money.

Can anyone help?
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Offline Occam

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #38 on: August 21, 2012, 10:27:08 »
Are you talking about medical coverage?

Offline Jarnhamar

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #39 on: August 21, 2012, 10:37:14 »
Yes sorry medical and dental coverage for a wife and child.  Also the name of the company if that makes sense
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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #40 on: August 21, 2012, 10:41:57 »
For PSHCP...the three different "packages" as you call them are not packages.  There are three different levels of coverage for Hospital room and board charges (semi-private and private rooms).  Level 1 is $60/day, level 2 is $140/day, and level 3 is $220/day.  All three levels include the drug, vision care, and medical practitioners benefits at 80% coverage.  The difference in the premiums for the three levels is ridiculously small, although I don't remember the exact amounts.

You select the level of coverage you want based on the local "going rate" for semi-private/private rooms in your local hospital.  This presumes, of course, that there are semi-private/private rooms available.  Otherwise, you're paying for a higher level of coverage for nothing, because you'll end up in a ward anyways.

PSHCP is administered by Sun Life Assurance.

Dependents Dental Care Plan is administered by GreatWest Life, and is no charge to the member.

Offline Occam

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #41 on: August 21, 2012, 10:46:30 »
Looking at my old Pay Statements, Level III coverage for PSHCP was $4.00/month.

Offline dapaterson

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #42 on: August 21, 2012, 10:48:13 »
The benefits to CF members include deductibles.  He can probably combine benefits - that is, claim under both plans to get 100% reimbursement.  PSHCP has some info on that topic.  Google PSHCP for lots more info - the TBS website has lots.

He and his wife should look at the two plans and figure out whether it's worthwhile to maintain both and combine benefits, or if the money would be less if they just pay the deductible under the CF plans.


As previously stated, the three levels only relate to the maximum hospital room rate that's reimbursed; other than that, the PSHCP coverage is identical at all three levels.
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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #43 on: August 21, 2012, 10:52:01 »
Here's the PSHCP benefits guide.

Offline Jarnhamar

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #44 on: August 21, 2012, 10:59:22 »
Perfect. I'll print this and give it to the soldier, thanks everyone.
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Offline DAA

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #45 on: August 21, 2012, 11:01:42 »
CF members are provided with Level III Supplementary coverage which is $4.00 per month.  If your posted OUTCAN, you are enrolled in the Level III Comprehensive Package which costs $4.01 per month. 

See Annex B of Schedule V - http://www.njc-cnm.gc.ca/directive/index.php?sid=87&hl=1&lang=eng

It's not uncommon for a CF member to have coverage for their dependants while their spouse has coverage through their employer and combining the benefit.

Here is the link to the main website - http://www.njc-cnm.gc.ca/directive/index.php?vid=9&lang=eng
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Offline Jarnhamar

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #46 on: August 21, 2012, 11:06:41 »
So basically this guy's wife is paying $60 a month for benefits with her employer and if he has her covered through the CF instead she will be paying $4.00 a month?
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Offline DAA

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #47 on: August 21, 2012, 11:10:42 »
So basically this guy's wife is paying $60 a month for benefits with her employer and if he has her covered through the CF instead she will be paying $4.00 a month?

Yup.....He will pay the $4.00 per month and the coverage provided is outlined in the benefits package.  He may wish to review her plan in comparison with ours to make sure they have the coverage they need, especially if there are any unique medical issues.

On a side note, he may want to have a closer look at his most recent pay statement because it is entirely possible that he is already enrolled/paying PSHCP premiums.  This is generally part of the admin process with the OR when you change your marital status or on enrolment.
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Offline dapaterson

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #48 on: August 21, 2012, 11:11:43 »
No.

He would pay $4.00 per month (or whatever the current rate is) for Level III hospital coverage.

However, the PSHCP coverage might be less than hers.  They need to assess whether or not the $720 per year she's paying is more or less than what they'd pay under PSHCP, given the deductibles.

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Offline Jarnhamar

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Re: Public Service Health Care Plan PSHCP [Merged]
« Reply #49 on: August 21, 2012, 11:12:43 »
Got it. Thanks!
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