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The Retirees' Newsletter
The Retirees's Association ( Faculty, Librarian, Administrator), University of Windsor, Windsor, Ont. Canada
Vol X , No. 3, June 2000
Retired Teachers of Ontario Plan
(Monthly Rate per couple)
Semi-private: $38.39
Extended Health (including 62 days out-of-province and drugs): $65.62
Dental: $64.50
Total: $168.51/per month + $48.00 per year RTO membership (which includes a number of other non- health related benefits)
Semi-private - $100 daily + 80% of excess room rate up to a maximum of $180 per day, no limit on stay. Convalescent care 80% reimbursement up to a maximum of $50 per day for up to 5 days following hospital admission.
Extended health
Prescription drugs: 85% of ingredient cost + up to $6.11 dispensing fee. Maximum annually: $1200. Government deductible or co-payments covered.
Vision care: $175 every two years
Paramedical: Chiropractor, Podiatrist, Osteopath, Chiropodist, Naturopath, Registered Massage Therapist, Speech Therapist Nutritionist/Homeopath Acupuncturist, Psychologist, Shiatsu Therapist, Herbalist. Maximum $300 annually. No referral necessary.
Educational Program: Maximum $100 if recommended by physician.
Hearing Aids: $400 for one, $5000 for two, every three years.
Comfort and Convenience: $75 every two years for post-surgical items.
Custom Orthopaedic Shoes and Orthotics: $500 annually.
Incontinence Supplies: $200 annually.
Registered Nurse: $1500 every two years for home nursing services.
Other Aids, Appliances and Services: braces, crutches, prostheses, wheelchairs, hospital beds, accidental dental, ambulance and more.
International Travel: 100% reimbursement up to 62 days.
Dental - Basic Preventive Services: 85% reimbursement every 9 months.
Minor Restorative: (Root canal, periodontics) 80% reimbursement, $750 maximum annually.
Major Restorative: 50% reimbursement, $700 maximum for crowns, $700 maximum for fixed bridges and dentures.
|
U. of W. Plan - Family |
RTO Plan - Couple | |
| Semi-private | 24.22 | 38.39 |
| Extended Health (RTO plan includes out-of-province and drugs in EH) | 52.65 | 65.62 |
| Out-of-province | 21.69 | Included in EH premium above |
| Drug | 263.67 | Included in EH premium above |
| Dental (U. Of W. premium 50% subsidized by university) | 41.59 |
64.50 |
| Total | $403.82/month | $168.51/month + $48 annual RTO membership fee |
|
Ontario Secondary School Teachers Federation - OSSTF Premium Schedule Product Single Couple Family Option 1 - ($1, 200 drug maximum) Single: $59.92 Couple: $119.82 Family: $142.82 Option 2 - ($750 drug maximum) Single: $52.26 Couple: $104.99 Family: $126.18 Dental Single: $37.18 Couple: $73.15 Family: $100.14 Core Benefits Hospital accommodation Semi-private, 90% reimbursement to a daily maximum of $ 180 Prescription drugs Deductible - $ 25 single/$50 couple and Option 1 - $ 1,200 family per calendar year Option 2 - $ 750 85% reimbursement per person, per year (90% if Medi Trust pharmacy is used) (The member is responsible for any dispensing fee) Accidental Dental 80% reimbursement Ambulance 80% reimbursement Private nursing 80% reimbursement to a maximum of $ 1,500 every 2 years Home care 80% reimbursement (maximum included in private nursing) Paramedical service 80% reimbursement payable after OHIP yearly maximum is used to a maximum of $ 225 per year per practitioner listed, $ 300 physiotherapy maximum. OHIP year runs from April 1 to March 31. Diagnostic services 80% reimbursement Medical services/supplies 80% reimbursement Prosthetic appliances 80% reimbursement Hearing aids $ 400 maximum every 3 years per person Vision care 80% reimbursement to a maximum of $ 175 every 24 months per person Travel plan $ 1,000,000 per person per trip, 60 days per trip, additional coverage available, trip cancelation to a maximum of $ 2,000 included Dental plan Current minus 1 year ODA fee guide Dental examinations, 85% reimbursement extractions, x-rays, scaling, fillings & preventive maintenance procedures Endodontics & periodontics 80% reimbursement, combined maximum of $ 750 per year Crown & bridges 50% reimbursement, combined maximum of $ 700 per year |