SPEC Kit 320: Core Beneﬁts · 57
38. If you indicated above that care is covered under a supplemental plan, please enter the percentage
of the premium that the employer contributes. N=37
All of the US respondents reported that the employer contributes nothing to these premiums.
The Canadian answers follow:
Medical Services Plan of British Columbia: basic medical premiums are 100% paid by members; Extended Health
Beneﬁts are paid by the university. Coverage maximum varies depending on the service, e.g., Vision care is up to $250
in any 24 month period; hearing aids up to $900 per 5-year period, etc.
Ontario health insurance plan (OHIP) covers 100% of inpatient hospitalization costs including intensive care unit.
Cancer drugs provided in hospital are covered by OHIP. Waterloo’s prescription drug plan covers drugs legally requiring a
prescription. Cancer medication is covered. Pre-approval by insurer is required in most cases. Other cancer related costs
in supplemental plan include coverage for wig (due to hair loss from chemotherapy/radiation); breast prosthesis and
mastectomy bras (after OHIP plan has paid their costs)
Our provincial health insurance plan pays for basic health services however the university’s supplemental health plan will
pay for things such as upgraded ward accommodations, out of hospital private nursing, wigs and hair pieces for cancer
survivors, and all prescriptions are covered.
The government covers Intensive Care unit coverage therefore our plan does have this sort of coverage.
The province (Alberta) has a publicly administered and funded health care system that ensures Albertans receive access
to medically necessary hospitals and health care services. This coverage is supplemented with an extended health care
plan which is available to all staff and their families and is 100% employer funded.
39. Additional comments about health insurance that is offered to library staff.
Acupuncture may be covered if medically necessary.
Contraception is only for medical necessity, not for birth control. Long-term acute care is covered by health plan. Other
long-term care requires a supplemental plan.
Contraceptive jellies, creams, foams, or implants not covered.
Coverage for full-time library staff and all eligible dependents/partners is covered at no expense to employee. Domestic
partners pay tax on an imputed value of partner’s coverage premiums.
Employees pay approximately 20% of the cost of health care, although the exact formula varies by bargaining unit and
employee classiﬁcation. Contributions are primarily pre-tax, with the exception of the tax treatment for domestic partner
Health insurance premiums are shared by employee and employer. For a single policy the employee pays 10% of
premiums. For family coverage, the employee pays 25% of the premium. This can be on a pre-tax basis.
Medical plan rates are tiered, based on one’s medical contribution base/salary so that the cost of medical insurance is
somewhat proportional to one’s pay rate.