BPG Inc. Dental Plan FAQ


WHO IS ELIGIBLE FOR THIS PLAN?

To qualify for this plan you must (A) be a member of the Bell Pensioners' Group Inc., (B) be a resident of Canada and (C) have retired prior to July 2000 for Plan "A" or after July 2000 for Plan "B". You may still be actively employed elsewhere.

WHAT SERVICES DOES THIS PLAN OFFER?

This plan offers the same benefits as your Bell plan.

WHEN CAN I ENROLL?

You may enroll once you are a member of the Bell Pensioners' Group Inc.

HOW LONG DO I HAVE TO BE ON THE PLAN?

You are making a minimum commitment of one year. If you wish to terminate services after that you must provide 30 days written notice to RMS Retirement Management Services Ltd. You may not rejoin the plan for three years from the termination date.

IS THIS PLAN SPONSORED BY MY FORMER EMPLOYER?

No. It is a private plan.

WHO MANAGES THIS PLAN?

The plan is administered by RMS Retirement Management Services Ltd. in Victoria B.C.

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WHO PAYS THE CLAIMS?

Green Shield Canada is a not-for-profit corporation which began in 1957 in Windsor ON. They handle the claims part of the plan.

WHO DO I CONTACT ABOUT THIS PLAN?

For enrollment, banking, address and plan changes, or to find out more about this plan, only contact the plan administrator, RMS Retirement Management Services Ltd. Do not contact Bell or BPG. PLEASE DO NOT CONTACT Green Shield Canada until you are a member of the plan. They will be unable to answer your questions until that time.

HOW DO I PAY FOR THIS PLAN?

Fees are paid monthly by pre-authourized cheque from your bank account. Plan fees and benefits are reviewed each year and may be changed June 1st. for all members, regardless of how long they have been on the plan.

CAN I PAY ANNUALLY?

Annual payments are not possible at this time due to administrative reasons. It is hoped that this option may be available in the future. You will be notified if annual payments become possible.

ARE MY FEES TAX DEDUCTIBLE?

The fees for this plan are an eligible medical expense on your income tax. You may be able to claim them.

WHEN DO BENEFITS START?

Benefits start on the first of the month you request but is subject to written confirmation from Green Shield Canada.

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HOW DO I CLAIM FOR MY DENTAL BILLS?

You pay your dentist directly and claim from Green Shield Canada or have Green Shield pay him/her directly and then pay the difference. The dentist will provide the Standard Dental Claim Form needed.

HOW DO I CLAIM FROM BOTH MY PRESENT BELL PLAN AND THIS PLAN?

You claim from your Bell plan first by following the same procedure as you have in the past. When you have been paid from that plan, you forward a copy of what you were paid and another claim form for the original amount to Green Shield Canada.

HOW MUCH DOES THIS PLAN PAY?

Payment is based on the current dental fee guide for each province for both plans.
Plan "A": For those who retired before July 2000 whose current plan pays at 1988 rates. This plan pays 50% for basic services covered. There is no maximum limit. It also pays 30% up to $1000 maximum per person per year for major dental services covered.
Plan "B": For those who retired after July 2000 whose current plan pays at two year old rates. This plan pays 20% for all claims. There is no maximum for basic services and a $1500 limit per Program Year for major work. The TMJ limit of $1000 is included in the $1500 limit.

IS THERE A DEDUCTIBLE?

Plan "A": Yes. The annual deductible is $25.00 per person or $50.00 per family per calendar year. It only applies to the major dental portion of the plan. The basic services portion of the plan does not have a deductible.
Plan "B": No deductible.

AM I COVERED IF THE WORK IS DONE OUT OF CANADA OR IN ANOTHER PROVINCE?

Yes. For snowbirds and other travelers, any eligible dental work done outside of Canada or your province of residence is covered. You must provide a detailed description of the work done as well as receipts for any bills paid. They are then submitted in the regular way to Green Shield Canada. You are reimbursed for this work according to the rate for your province of residence to a maximum of 100% of your costs.

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WHAT DOES PRE-DETERMINATION MEAN?

When the cost of dental work is expected to exceed $300.00 for Plan "A" or $500.00 for Plan "B" on one claim you must have your dentist ask for pre-approval from Green Shield Canada before work begins. Please refer to the plan benefits for details. This does NOT mean your benefits are limited to this amount. There is NO OVERALL LIMIT on the amount you may claim for basic services. It just helps to give you and your dental services provider an idea of what will be covered under your plan.

WHAT IS THE DIFFERENCE BETWEEN COUPLE, AND FAMILY BENEFITS?

"COUPLE" under this plan means two persons who are a married couple, a common law couple, or a single parent and one eligible child. "FAMILY" means the eligible plan member and two or more eligible persons.

IS MAJOR DENTAL WORK SUCH AS CROWNS, BRIDGES, NEW DENTURES, ORTHODONTICS COVERED?

Plan "A": There are benefits for major dental work such as crowns, bridges, and new dentures for 30% up to $1000 per year under the major dental services portion of the plan. Orthodontics are NOT covered.
Plan "B": Crowns and bridges are covered as per your current Bell (Manulife) plan. Orthodontics are NOT covered.

DOES THIS PLAN COVER DENTURISTS?

Yes, but not all services provided by denturists. Please check the plan benefits for details.

CAN MY SPOUSE BE THE ONLY ONE ON THE PLAN?

Yes, as long as the BPG member has full benefits under another plan such as from a current employer, (not just the Bell plan).

CAN MY DEPENDENT CHILDREN BE COVERED?

Yes, to the end of the year following their 18th birthday, or to the end of the year following their 25th birthday if enrolled in full-time attendance at a college, university, or institute of higher learning.

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I AM THE PENSIONER, CAN I BE ON THE PLAN BY MYSELF WITHOUT COVERING MY SPOUSE OR DEPENDENTS?

Yes.

CAN I ADD MY SPOUSE OR ELIGIBLE DEPENDENTS LATER?

Yes, you may do this each year on June 1st, July 1st, or Aug. 1st.

DOES MY SPOUSE HAVE SURVIVOR BENEFITS?

Yes. If you are the widow or widower of a Bell Pensioner Group Inc. member you may continue on the plan as long as you remain a member of BPG Inc even if the Bell (Manulife) plan stops.

ARE THERE ANY ADDITIONAL BENEFITS?

Yes. Preferred Provider Vision Network Arrangement

As a Green Shield plan member, you have access to our national preferred provider vision network arrangement where all Green Shield plan members are eligible to receive a discount on eyewear and laser eye surgery.

Features of this great value-added service for either eyewear or laser eye surgery include:

1. Offer applies to any Green Shield plan member, regardless of whether you have Green Shield vision benefits or not;

2. The vision provider may bill Green Shield directly; the plan member just pays any portion of the expense not covered under their vision benefit;

3. Trustworthy retail chains with convenient locations;

4. The discount offer applies to everything such as all extra coatings, upgrades and accessories;

5. Hundreds of the latest frame styles to choose from plus the latest lens and coating technology;

6. Professional opticians to assist in selecting products;

7. For some vendors, this offer applies to non-disposable contact lenses only (excludes disposable contact lenses).

Visit our website at greenshield.ca or call our Customer Service Centre at 1.888.711.1119 for information on the vision providers.

How to Submit Your Vision Claim

1. Present your Green Shield Identification Card as proof of being a Green Shield plan member.

2. The vision provider will apply the appropriate discount(s) to your claim and may submit the claim directly to Green Shield for payment. You pay your vision provider any balance not covered under your vision benefit.

3. If no vision benefit exists, you pay your provider the full balance owing after the applicable discounts have been applied.

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