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RTAM Benefit Updates April 2014: Te following information is being provided to RTAM


Member experience for


members who are currently covered by RTAM’s benefit plans as well as those who may be considering enrolling in the plans. • Changes effective April 2014 • Utilization of benefits in 2013 • Update on new initiatives—Eldercare and eClaims • Overview of all RTAM Benefit Plans


CHANGES TO TRAVEL, EXTENDED HEALTH CARE AND DENTAL CARE INSURANCE PLANS - APRIL 1, 2014 For the Extended Health Care (EHC), Dental Care and


Premier Travel Insurance Plans, the RTAM Benefits Com- mittee has completed the annual renewal process, trend analysis, member survey and benefit plan design assess- ment with advice from the Plan Administrator, Johnson Inc. We are pleased to report that: • EHC premium rates will remain unchanged. • Dental Care rates will increase by 1.5%. • Premier Travel Base and Supplementary Plan rates will increase by 5%.


• Premier Travel and Dental Care benefits will remain unchanged.


EXTENDED HEALTH CARE BENEFIT CATEGORY


Drugs Paramedical


Medical Aids and Appliances Vision Care Hearing Aids Hospital TOTAL


2013 PAID CLAIMS %


58.8% 22.1% 9.6% 6.4% 2.6% 0.5%


100.0%


BENEFITS UTILIZATION OF EHC AND DENTAL BENE- FITS IN 2013 In the recent member survey responses, there was an in-


terest in how the benefits were used. Below is a summary of the EHC (non-travel) and Dental Claims payments by main category of benefit: Member experience for Extended Health Care is fairly con-


sistent from year to year. For the calendar year 2013, drugs account for 58.8% of EHC claims while 41.2% of claims are non-drug expenses such as paramedical, medical aids, vi- sion care, hearing aids and hospital.


12 n KEEP IN TOUCH | Spring 2014


Dental Care is also fairly consistent from year to year. For the calendar year 2013, Basic Dental treatment accounted for 51.0% of total paid Dental claims, Minor treatment accounted for 24.3% and Major accounted for 24.7% of paid Dental claims.


DENTAL CARE BENEFIT CATEGORY Basic & Preventative


Minor (Periodontics & Endodontics)


Major (Crowns, Bridges, Dentures, Implants)


TOTAL


2013 PAID CLAIMS %


51.0% 24.3% 24.7%


100.0% Please note that Travel claims are not included in the


above summary by category. Unlike EHC and Dental claims that are fairly predictable from year to year, sudden and unforeseen Emergency Medical Travel claims fluctu- ate significantly over time.


NEW INITIATIVES FOR EXTENDED HEALTH CARE (EHC) PLAN MEMBERS: ELDERCARE AND eCLAIMS • NEW Eldercare Select services are available to all cur-


rent and new members of the Extended Health Care (EHC) Plans on a pilot project basis. Te services for any type of caregiving situation can be utilized by you, your spouse, your parents and your in-laws. Eldercare Select is a service designed to help you and your extended family through a challenging health or caregiving concern. A simple phone call connects you to a dedicated Care Specialist (a Reg- istered Nurse) who will provide you with expert advice, guidance and support for your unique situation. Tis may include providing information and assistance navigating the complex healthcare system wherever you live in Can- ada. Trough this support, you will be better able to man- age the situation. Tis project is sponsored by Johnson Inc. until March 31, 2015. Your feedback during the pilot project will be re- quested and is important in determining whether the ser- vice should be continued. Call toll free 1.888.327.1500 to speak to an Eldercare Select Care Specialist. • NEW eClaims submission is available through John-


COMMITTEE REPORTS


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