In Quebec, group insurance is much more than a simple alternative to RAMQ (Régie de l'assurance maladie du Québec). It offers more coverage and significant benefits for employees, made even more attractive by the employer's financial participation. Here's why choosing group insurance can make a good financial decision and benefit your health
1. Extensive coverage and security: Group insurance offers added security by providing a wide range of coverage, including dental care, vision care, drug reimbursement and other specialized medical services not necessarily fully covered by RAMQ. In fact, it's also possible to have coverage for wellness services such as paramedical care (massage therapy, physiotherapy, etc.) and mental health care (psychologist, social worker, etc.). There's also life insurance, accidental death and dismemberment, travel insurance, disability and critical illness coverage. What's even more interesting for employees is that they're not the only ones entitled to this coverage! Their family also have access to life, health, dental and vision coverage.
2. Better value for money: A key advantage of group insurance is that the employer contributes to the cost of the premium in whole or in part. This means you benefit from more complete coverage than RAMQ, while reducing your out-of-pocket expenses. In fact, with access to group insurance, you no longer have to pay RAMQ when you do your taxes! This employer contribution represents a saving for you, compared with the higher costs you would have to assume by paying RAMQ and having individual insurance.
3. Ease of access to healthcare: No more waiting, you can take care of your health faster! Group insurance can provide easier access to specialists and other medical services, which can reduce waiting times compared to RAMQ. With group insurance, you may have access to reimbursements for private care, such as magnetic resonance imaging (MRI), ultrasound, blood analysis, etc. You can also take advantage of telemedicine, which gives you access to medical consultations at a distance. Your dependents can benefit too!
In conclusion, group insurance is designed to offer many advantages to the employee! The various coverages offered and the employer's financial participation mean that coverage is far more extensive than that provided by RAMQ, and gives employees financial security at a lower cost than with individual coverage.
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