Managing Costs

2021 Costs Are Changing

We remain committed to providing you with a benefits plan that balances the coverage you need with costs that are financially sustainable over the long term.

Because of COVID-19 many practitioners were closed or unable to offer all their usual services for part of 2020. As a result, employees made fewer health and dental claims which left a surplus in the benefit plan. We are putting that surplus back into the plan, which means back to you, in one of two ways. Depending where your store is located, you will see reduced rate increases from what should have been for the 2021/2022 benefit year, or you would have seen a premium holiday in November 2020 for your health and dental benefits.

As always, depending on the options you choose and who you cover, you may see some cost changes. You will see how the rate changes for 2021 affect your personal benefit costs when you re-enrol on the Franchise Benefit Store.

You Can Help Keep Costs Low

While health care costs continue to rise, there are things you can do during the year to help keep your costs down. We encourage you to invest in your health, including:

  • Focus on being and staying healthy. It starts with you. Staying healthy is important to maintaining and improving the quality of life for each of us, and our families.
    • Exercising regularly and making smart food choices help to prevent disease are essential to living a healthy life.
    • Healthy living may also result in fewer trips to a doctor or paramedical practitioner, as well as less reliance on prescription drugs.
  • Get the most value from your plan. Take responsibility for how you use your benefits to help minimize your out-of-pocket expenses. It’s important to understand your benefits plan, including:
  • Use the tools provided by Medavie Blue Cross. Use the Medavie Blue Cross website or Mobile App for benefits information at your fingertips. You can submit claims instantly, get plan information, search for eligibility of prescription drugs or check coverage, sign up for direct deposit—and more!
  • Try to plan ahead. Prioritize how you use your benefit dollars. Knowing how you’re going to use your benefits may influence the coverage you select in the upcoming year.