12pm April 27th 2022 Zoom

here: https://cufa.net/wp-content/uploads/2022/03/Draft-Agenda-GM-April-27-2022.pdf

1. Approval of the Agenda
2. Approval of the Minutes of the General Meeting of April 21, 2021
3. President’s Remarks
4. New business
   1. Presentation by the Employer of proposed Health Plan changes
5. Adjournment

• first review in a long while
• 2016 - changed consulting firm for sourcing plan provider - Normandin Beaudry
• Changed plan provider from Desjardins > Sun Life
• 33% increase in cost
  • have been protected by existing surplus
• 50% of members use the plan at all
  • “use the plan” = MAKING CLAIMS - they are still paying a premium, but possibly have another insurance provider (eg Spouse's plan)
• COMPLEXITY -
  • different usage groups
    • “is that 86 categories within CUFA?” - comment in chat
• “is this only relevant to CUFA?” “ “so is the entire university (the 86 categories) under the same major plan?”
  • This is applicable to the entire staff at Concordia
    • employee groups
    • union groups, administration

1. Affordability and Sustainability
   1. something
2. Financial Security, Equity and Diversity
   1. something
3. Value for the participants and consider adding Flexibility
   1. easy to understand and optimized perceived value

May 2019 to April 2020

• Pay Direct Drugs - 74%
• Paramedical Practitioners - 14%
• Medical Services & Equipment - 9%
• All other Claims - 3%

May 2020 to April 2022

• Pay Direct Drugs - 76%
• Paramedical Practitioners - 13%
• Medical Services & Equipment - 9%
• All other Claims - 2%

• $3 deductable for every DIN transaction - “Drug Identification Number”
• Mandatory Generic drug - not choosing the brand name as a default - as with the RAMQ
• Vision care - no coverage
• Dental - check up 9 months rather than 6 months
• Health Care Spending Account (HCSA) / Personal Spending Account (PSA)
  • Single $385
  • annual amount contingency to put towards any aspect of the plan
    • eg DIN transactions
    • eg premiums
  • PSA - wellness
    • eg - gym

• no dental for LTAs of visiting lecturers

• “if we're not covering risk… ” - Charles Draimin