Clinical Staff Supplemental Health and Dental Program

You will be offered participation in the McGill Supplemental Health and Dental Plans when you become eligible for these benefits and your election will need to be completed in Workday.

If you waive participation in the Supplemental Health Plan:

• The Act respecting prescription drug insurance requires that you, your spouse and children, be covered under a group health insurance plan providing at least drug coverage if you are under age 65 and are eligible for coverage under that plan. Only those who can provide proof they have health coverage under another plan (for example: spousal plan, professional association) can refuse coverage under the McGill Supplemental Health Plan. See the RAMQ website for more information.
• To enrol at a later date, after your initial date of eligibility, you will need to provide proof that you involuntarily lost your alternative group coverage.

If you waive participation in the Dental Plan:

• You will be re-offered the opportunity to join, by invitation, in January, every 3 years, provided that you are actively at work and remain eligible.
• If you opted out of the Dental Plan and wish to rejoin, you can rejoin the Dental Plan if you no longer have dental coverage under another dental plan and provide written proof of involuntary loss of coverage within 60 days of the event. If you miss the 60 days window, coverage will be in effect as of January 1st of the year following the year in which the life event occurred. If you wish to rejoin with family coverage, your spouse and dependents must also have lost this alternate coverage involuntarily and provide proof.

For more information about the Supplemental Health and Dental Plans and how to enrol, contact the HR Service Centre by hrhr [at] mcgill.ca (email) or at (514) 398-4747.

You will be responsible for the entire cost of the Health and Dental Plans. Below are the bi-weekly deductions for 2023.

Add 9% sales tax for Québec residents, 8% for residents of Ontario. Rates are based on the experience of this group and are subject to change annually.      

If you have a salaried appointment:

Benefit contributions will be deducted from your pay cheque. If the amount is insufficient to cover the cost of benefits, the balance will be deducted from your bank account by automatic bank withdrawal.

If you have an unpaid appointment:

Payment will be made by automatic bank withdrawal bi-weekly. You will be asked to provide banking information.

At age 65, you will automatically be enrolled in the RAMQ Drug plan for prescription drugs covered under the RAMQ list of medications. You will therefore need to determine if you want to remain in the RAMQ Drug plan or elect the McGill Age 65+ Drug Plan. Plan members nearing or over age 65 should refer to Changing Coverage for information about changes to drug coverage under the McGill Supplemental Health Plan.

Please note that Dental Plan coverage will not change at age 65.

For information on how to submit a claim please visit Submitting a supplemental health and dental claim .

You may change your coverage from “family” to “individual” if you no longer have eligible dependents or if your dependents are now covered under another supplemental health or dental plan.

In the event of a change in marital status either common law or civil union, you may change your coverage from “individual” to “family.”

Supplemental Health Plan

• You may switch from individual to family coverage within 60 days of the event. If you exceed the 60-day period, your spouse’s enrolment will take place as of January 1st of the following year.
• If your spouse has no other medical coverage, he or she will be added immediately.
• If you already have family coverage, your spouse will be added at no additional cost.

Dental Plan

• You may switch from individual to family coverage within 60 days of the event. If you exceed the 60-day period, your spouse will be registered for coverage under the Dental Plan as of January 1^st of the following year.
• If you already have family coverage, your spouse will be added at no additional cost.

In the event of a divorce, separation, or death of spouse, you may change your coverage from “family” to “individual.”

Supplemental Health Plan

• You may switch from family to individual coverage provided there are no eligible children covered under the plan.
• If you are under 65 and you were previously covered under your spouse’s group benefit program, you must enrol in the McGill Supplemental Health Plan.

Dental Plan

• You may switch from family to individual coverage provided there are no eligible children covered under the plan.
• If you were previously covered under your spouse’s group benefit program, you may enrol in the McGill Dental Plan within 60 days of the event. If you exceed the 60-day period, you will be registered for coverage under the Dental Plan as of January 1st of the following year.

To register a change, please contact the Human Resources Shared Services Unit at (514) 398-4747 or by hr.hr [at] mcgill.ca (email) as soon as a qualifying life event or change in your situation occurs.

If a child starts working full-time or turns 21 (26 if the child is a full-time student). Then the child no longer qualifies for coverage under the Supplemental Health and/or Dental Plans effective:

• on their birth date or
• on the start date of their full-time employment.

Please note that if this is your last eligible family member, you will need to switch from family to single coverage.

If you have or adopt a child

Supplemental Health Plan

• You must switch from individual to family coverage, unless your child has health care coverage under your spouse’s group insurance.
• If you already have family coverage under the McGill Supplemental Health Plan, the child will be enrolled at no additional cost.

Dental Plan

• You may switch from individual to family coverage within 60 days of the event or 60 days immediately following the child’s third birthday.
• If you miss the 60-day window, your child will be registered for coverage under the Dental Plan, effective January 1st of the following year.

Supplemental Health Plan

• If you were covered under your spouse’s plan: You must join the Supplemental Health Plan and provide proof that your spouse no longer has coverage.
• If you are covered under the Clinical Staff Supplemental Health and Dental Program you may switch from single to family coverage, provided you provide proof that your spouse no longer has coverage.

Dental Plan

• If you were covered under your spouse’s plan: You may join the Dental Plan within 60 days of the event so long as you provide proof that your spouse no longer has coverage. If you miss the 60-day window, you will be registered for coverage effective January 1st of the following year.
• If you are covered under the Dental Plan for Clinical Staff: You may switch from single to family coverage within 60 days of the event, so long as you provide proof that your spouse no longer has coverage. If you miss the 60-day window, you will be registered for coverage effective January 1st of the following year.