Employees of Concordia university please click here to access Cspace, the intranet. All the information for employees is now located on Cspace, the intranet for faculty and staff.
The Concordia Health Plan helps you and your insured eligible dependents pay for certain health-related expenses, in case of personal illness or injury.
While the plan covers many services and procedures, there are some exclusions and limitations. Check your plan on Cspace if you foresee any unusual expenses or expenses.
If you are a full-time employee or a part-time employee covered under the Comprehensive Health Plan, the following provisions apply. However, if you are a part-time employee covered under the RAMQ Drug Plan Equivalent, you are covered for the drugs listed on the RAMQ formulary; for more details, go to the government plan site.
|Annual deductible||$60 per adult, maximum $120 per family|
|Percentage reimbursed subject to the deductible and certain limits:|
|RAMQ drugs||80% (or 100% once these annual eligible expenses, including eligible medical and paramedical expenses, exceed $2,000 per family in a benefit year)*|
|Medical and paramedical expenses (including paramedical practitioners)||80% (or 100% once these annual eligible expenses, including the portion of any drugs paid by a provincial drug plan, exceed $2,000 per family in a benefit year)*|
|Psychologists and psychiatrists||50%|
|Vision care (depending on your eligible employee group)||80%|
|Percentage reimbursed NOT subject to the deductible but subject to certain limits:|
|Emergency care and travel assistance outside your province of residence||100%|
|Hospital care (semiprivate room in a public general hospital or a licensed convalescent hospital)||100%|
|Maximum lifetime reimbursement||
*Note: for each benefit year, the Plan provides that, once the combined expenses for RAMQ drugs and major medical services reaches $2,000 such expenses will be reimbursed at 100% for the rest of the benefit year.
This annual eligible expense maximum of $2,000 does not apply to:
- non-RAMQ drugs;
- vision care; and
- the services of psychologists and psychiatrists
Please refer to the Eligible expenses section on Cspace for a list of various covered expenses under each type of service as well as the Exclusions and limitations section.