Health and Dental Flexible Benefit Plan

Management and Professional Staff

The university provides Flex Credits annually on Jan. 1 to each MaPS employee based on the employee's dependent status.

Effective Jan. 1, 2019

  • Single - $2,405
  • Couple - $4,205
  • Family - $4,645

There are five Health Options and five Dental Options each with an annual Price Tag for Single, Couple or Family coverage. You will use your Flex Credits to pay the applicable Price Tag for the Health Option and Dental Option you choose. You must select one Health Option and one Dental Option—you cannot waive coverage.

If you have Flex Credits left over after you have made your Health and Dental choices, you must allocate these to either a Health Spending Account (HSA), or to a Wellness Spending Account (WSA), or a portion to both. If you do not allocate your excess credits, they will automatically default to the HSA. Once the allocation period has passed, your choices are irrevocable.The University of Calgary will deposit your excess Flex Credits into your HSA and/or WSA annually on Jan. 1.

If the Options selected cost more than your Flex Credits, you will be responsible to pay the difference through regular payroll deductions.

The five Health and five Dental options available provide varied degrees of coverage for:

  • Ambulance/Hospital
  • Drugs
  • Paramedical
  • Vision
  • Travel Health
  • Medical Services & Supplies
  • Basic Dental
  • Major Dental
  • Orthodontics - Child & Adult

Health and Dental Options

The Five Health and Five Dental options available provide varied degrees of coverage for:

  • Ambulance/Hospital
  • Drugs
  • Paramedical
  • Vision
  • Travel Health
  • Medical Services & Supplies
  • Basic Dental
  • Major Dental
  • Orthodontics - Child & Adult

Select Your Desired Health and Dental Options Considering:

  • The differences between options
  • Your individual and family’s Health and Dental needs
  • Your spouse’s coverage
  • The level of benefit coverage you are comfortable with
  • The cost of each Option

Self-Service Enrolment

The self-service enrolment tool (for both initial enrolment or re-enrolment) will calculate your Health and Dental annual price tags and excess Flex Credits available based on your dependent status and Flex Options selected. You will have the opportunity to consider different scenarios prior to submitting your choices.

Health and Dental Options

  1. Option 1

    Single: $195

    Couple & Family: $486

     

    Hospital/Ambulance 

    100% 

     

    Travel Health 

    100% 

     

    Accidental Dental 

    100% 

  2. Option 2

    Single: $426

    Couple & Family: $1,097

     

    Hospital/Ambulance

    100% 

     

    Travel Health 

    100% 

     

    Accidental Dental 

    50% including out of province 

  3. Option 3

    Single: $809

    Couple & Family: $2,023

     

    Hospital/Ambulance 

    100% 

     

    Travel Health 

    100% 

     

    Accidental Dental 

    100% 

  4. Option 4

    Single: $1,076

    Couple & Family: $2,660

     

    Hospital/Ambulance

    100% 

     

    Travel Health 

    100% 

     

    Accidental Dental 

    100% 

  5. Option 5

    Single: $1,387

    Couple & Family: $3,419 

     

    Hospital/Ambulance 

    100% 

     

    Travel Health 

    100% 

     

    Accidental Death

    100% 

  1. Option 1

    Single: $418

    Couple: $864

    Family: $1,170

     

    Basic

    50% 

     

    Major 

    50% 

     

    Orthodontic 

    50% 

     

    Basic and Major Combined Maximum 

    $1,500/year

     

    Orthodontic Maximum 

    $1,500/lifetime

  2. Option 2

    Single: $501

    Couple: $975

    Family: $1,337

     

    Basic

    80% 

     

    Major 

    No coverage  

     

    Orthodontic 

    No coverage 

     

    Basic and Major Combined Maximum 

    $1,500/year

     

    Orthodontic Maximum 

    N/A

  3. Option 3

    Single: $724

    Couple: $1,448

    Family: $1,985

     

    Basic

    80% 

     

    Major 

    80% 

     

    Orthodontic 

    50% 

     

    Basic and Major Combined Maximum 

    Unlimited 

     

    Orthodontic Maximum 

    $1,500/lifetime

  4. Option 4

    Single: $844

    Couple: $1,674

    Family: $2,334

     

    Basic

    90% 

     

    Major 

    60% - Implants included 

     

    Orthodontic 

    60% 

     

    Basic and Major Combined Maximum 

    $2,000/year

     

    Orthodontic Maximum 

    $2,000/lifetime

  5. Option 5

    Single: $961

    Couple: $1,922

    Family: $2,627

     

    Basic

    100%

     

    Major 

    75% - Implants included 

     

    Orthodontic 

    No coverage

     

    Basic and Major Combined Maximum 

    $2,500/year

     

    Orthodontic Maximum 

    N/A

Spending Accounts

Eligible staff members who receive excess Flex Credits must allocate these credits to a Health Spending Account (HSA), a Wellness Spending Account (WSA), or a combination of both. You may claim eligible expenses from the account where you have allocated credits throughout the benefit year (January 1 to Dec. 31). The value of your account depends on your Flex Option Choices.

Once you have chosen your Health and Dental Options during initial enrolment or re-enrolment, any excess Flex Credits available must be allocated to a HSA or WSA. Flex option choices and credit allocations are locked in for the duration of the two-year period but your HSA or WSA credits are refreshed each Jan. 1. The only exception to this is when an employee experiences a qualified Life Event that impacts credits.

The Spending Accounts operate on a credit carry forward basis. Unused Flex Credits may be carried forward for one year after the year in which the credits are allocated. At the end of the second year, unused credits are forfeited. For example, credits deposited on Jan. 1, 2019 and not used by Dec. 31, 2020, will be forfeited. Claims must be submitted in the year they are incurred.