Health & Dental Plan

Questions

For questions about this coverage or to initiate a claim, contact an HBTF Insurance Administrator at: 

HBTF Direct Line: (604) 638-2908 
Toll Free: 1-800-665-2262 Ext. 2908
Email: insurance@doctorsofbc.ca 

Health and Dental Plan 

The Health Benefits Trust Fund (HBTF) plan is a comprehensive health and dental benefit plan for members and their medical office staff. It includes an employee benefit package of Life, Accidental Death & Dismemberment and Long Term Disability insurance coverage specifically for medical office staff. 

With this plan, Doctors of BC members can also elect an optional “Cost Plus” feature which allows physicians to self-insure eligible health and dental expenses that are not covered in the base plan, and use the payments as a tax deduction for their professional business.

Eligibility:

Physicians can enroll in the Plan if s/he is:

  • is a member of Doctors of BC 
  • under the age of 65, 
  • residing in Canada 
  • proof of good health is not required if you apply within 90 days of becoming a Doctors of BC member for the first time 

Medical Office Staff can/must be enrolled in the Plan if s/he is: 

  • employed in a medical office that is participating in this Plan (see Participation Requirements below) 
  • under the age of 65 
  • actively working in the office at least 20 hours per week (regularly) 
  • must be enrolled within 3 months of employment and must complete a three month waiting period. 

Participation Requirements for Office Enrollment

A minimum number of eligible staff must be enrolled based on the size of the office, per the following chart: 

Number of Eligible Applicants in Office  Minimum Number of Eligible Applicants Required to enroll
5 or fewer  100% of Office
6 5
7 6
8 7
9 8
10 or more 75% (rounded up)

New office staff must join the plan. If new staff members already have other health and dental coverage in place, s/he may waive their participation in the health and dental coverage on the HBTF Enrollment Form, however, s/he must enroll in the Life, AD&D and LTD benefits. 

Special offer for new physicians in first year of practice:

Your Resident Extended Health and Dental coverage will end when your residency ends. Doctors of BC has a special offer for new physicians - join the HBTF Benefits Plan within 90 days of completing residency and receive a 50% premium rate discount for the first 12 months on the HBTF Benefits plan. Refer to the “How much will the plan Cost (2017)" document below for current premium rates.

If you enroll in the plan within 90 days of completing residency you will not be required to provide proof of good health. 

This offer is available to new physicians who have not been in practice before. If you have previously practiced medicine outside of Canada this offer is not applicable. 

More information: 

For members covered under the Core-Plus Benefits Plan, please contact the HBTF Plan Administrator at Doctors of BC for a copy of the Great-West Life booklet and administration forms.

Application forms:

Late applicants and Medical Office Employees applying for Long Term Disability coverage greater than $1,000/month will be sent an Evidence of Insurability form for completion. Coverage will be subject to approval by Great West Life. Once the completed form is received by Great West Life, the process can take between 4-6 weeks before written notification is sent advising of the status of your application. 

Administration forms: 

Completed administrative forms should be forwarded to Doctors of BC for processing via FAX: (604) 638-2909 or EMAIL: insurance@doctorsofbc.ca or mail: 

Claim guides and forms:

Emergency travel assistance:

For help locating assistance during a medical emergency while traveling, call the number of the location nearest you. Service is available 24 hours a day.

Canada or U.S.A: 1-855-222-4051 Mexico: 0-1-800-522-0029 
Dominican Republic: 1-800-203-9530 Universal countries: 1-800-9006-7555 
Cuba: 1-204-946-2946 call direct*
All Other Countries: 1-204-946-2577 call direct* or collect 

*Submit long distance charges to Great-west Life for reimbursement