Secure Health Plan
OPA’s Secure Health Plan is a comprehensive all-in-one plan made to help protect you and your family from unforeseen medical conditions. This plan provides coverage for dental, healthcare expenses, out of country emergency medical, prescription drugs, and more.
Why Choose OPA Secure Health Plan?
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Affordable: You work hard for your money, and you want the most from your investments. Your investment into benefits is no different. The Ontario Pharmacists Association Secure Health Plan has improved coverage at a lower cost.
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Enriched: Best in class insurance for our OPA members is what we had in mind. As part of OPA’s Secure Health Plan improvements we have: Implemented flexible paramedical coverage, Increased Mental Health support, Reduced costs
Benefits at a Glance
OPA Secure Health Plans - Under Age 70
Monthly Premiums Rates* effective November 1, 2024
Bronze*
| Age | Monthly Premium** |
|---|---|
| Under age 26 Single | $95.16 |
| Under age 26 Family | $167.40 |
| 26-35 Single | $118.03 |
| 26-35 Family | $214.60 |
| 36-45 Single | $127.17 |
| 36-45 Family | $222.72 |
| 46-50 Single | $144.73 |
| 46-50 Family | $239.83 |
| 51-55 Single | $144.73 |
| 51-55 Family | S240.97 |
| 56-60 Single | $145.91 |
| 56-60 Family | $242.15 |
| 61-64 Single | $140.56 |
| 61-64 Family | $234.54 |
| 65-69 Single | $102.07 |
| 65-69 Family | $169.31 |
Silver
| Age | Monthly Premium** |
|---|---|
| Under age 26 Single | $165.82 |
| Under age 26 Family | $293.36 |
| 26-35 Single | $207.98 |
| 26-35 Family | $382.71 |
| 36-45 Single | $225.55 |
| 36-45 Family | $397.70 |
| 46-50 Single | $257.72 |
| 46-50 Family | $429.02 |
| 51-55 Single | $256.12 |
| 51-55 Family | $429.02 |
| 56-60 Single | $257.92 |
| 56-60 Family | $430.82 |
| 61-64 Single | $245.66 |
| 61-64 Family | $415.34 |
| 65-69 Single | $207.29 |
| 65-69 Family | $352.19 |
Gold
| Age | Monthly Premium** |
|---|---|
| Under age 26 Single | $207.30 |
| Under age 26 Family | $367.03 |
| 26-35 Single | $260.72 |
| 26-35 Family | $480.41 |
| 36-45 Single | $282.88 |
| 36-45 Family | $499.29 |
| 46-50 Single | $323.59 |
| 46-50 Family | $539.09 |
| 51-55 Single | $320.99 |
| 51-55 Family | S538.36 |
| 56-60 Single | $322.99 |
| 56-60 Family | $540.36 |
| 61-64 Single | $307.02 |
| 61-64 Family | $520.29 |
| 65-69 Single | $257.64 |
| 65-69 Family | $439.30 |
How to Apply:
- Complete Enrolment Form and Health and Lifestyle Questionnaire
- Send your documents to [email protected]
- An OPA team member will respond to you within 2 business days
Frequently Asked Questions
The current under age 70 plan is terminating July 31st 2022. You will automatically be mapped into the new plan unless you contact the OPA to select another plan.
Advantage Plus – Bronze
Standard – Silver
Note: You have a one time opportunity to move to the Gold plan without requiring evidence of insurability.
If you are a current member you will be automatically mapped into the new plan as follows:
Advantage Plus – Bronze
Standard – Silver
Note: you have a one time opportunity to move to the Gold plan without proof of health.
The open enrollment period is July with coverage starting August 1st, 2022.
Yes, all maximums reset January 1st, 2023.
Your Health Care Spending Account can be used to cover amounts that are not paid for by the benefit plan, including out-of-pocket co-insurance amounts, items that exceed the benefit plan maximums as well as benefits that may not be included in the benefit option selected, but are considered an eligible expense under the CRA guidelines. To verify if an expense is eligible, visit the CRA website at www.ccra-adrc.gc.ca.
A Life Event is a change in your personal status resulting in the loss of your spouse’s coverage or a change in your coverage status. Life events can include marriage, divorce, birth/adoption of a child. You must report any life event within 31 days of your status change.
Deductibles already paid will be used to offset the out-of-pocket co-pay amount on the new plan.
Yes, the premium is reducing. The new rate table is posted on the OPA website.
Approved pre-determinations will automatically move into the new plan.
Both the Term Life and Critical Illness benefits are being moved into the stand alone Optional Life plan and Optional CI plan. All amounts are being grandfathered.
You will have 90 days, August 1st 2022 to October 31st 2022 in which to submit any eligible claims incurred in 2022 under the HCSA. Any unused portion can be carried forward to the subsequent calendar year.
You have 90 days, August 1st 2022 to October 31st, 2022 to submit any eligible claims incurred in 2022 under the old plan.
No, a member can move between plan options effective January 1st of each year. You must notify OPA by December 1st as medical underwriting will be required to move up. There are no requirements if a member wishes to move down.
Administered by Maximum Benefit &
Johnston Group
Underwritten by Desjardins Financial
Overseen by OPA