Starting on January 1, 2022, the Health Care Plan for CN Pensioners will no longer offer health care coverage for Quebec pensioners under the age of 65. Accordingly, your CNPA Health Care Plan participation will be terminated at midnight on December 31, 2021. However, the Régie de l'assurance maladie du Québec (RAMQ) has advised that CN Quebec Pensioners under the age of 65 will be eligible to join RAMQ's Public Prescription Drug Insurance Plan (RAMQ's Plan) as of January 1, 2022, which may provide significant premium savings to you.
In 2019, RAMQ reviewed the participation terms for the Health Care Plan for CN Pensioners and thereafter revised the eligibility requirements to join RAMQ's Plan.
Understanding the potential for premium savings under RAMQ's Plan, the CNPA decided to cancel access to the Health Care Plan for CN Pensioners to allow unrestricted potential access to RAMQ's Plan. Of course, under provincial regulations, Quebec pensioners under age 65 cannot opt for RAMQ's Plan if they are eligible for another private group benefits plan that covers prescription drugs.
In Quebec, all residents are required to have prescription drug coverage. Coverage is available through RAMQ's Plan or through private group benefits plans provided by an employer or association.
If you have access to a private group benefits plan that covers prescription drugs, you must be covered by that plan. Your spouse and dependent children must also be covered by that plan if they are under 65.
At age 65, all Quebecers are automatically registered for RAMQ's Plan, and you have the choice to be covered by that plan only, by a private group benefits plan that covers prescription drugs or a combination of both.
The Health Care Plan for CN Pensioners will be maintained for those who are over age 65 where different rules apply. Eligible CN Pensioners and their spouses will have the option to join the Health Care Plan for CN Pensioners (or stay in the RAMQ's Plan at that time (or both)). This would be a one-time choice you will have to make when you reach age 65, and you will receive communication in advance of your 65th birthday.
If you are under the age of 65, and are covered by the Health Care Plan for CN Pensioners in Quebec, you will receive a notification by Mail from Medavie Blue Cross in September 2021. In that notification you will be advised of your options and requirements prior to January 1, 2022.
If you are affected and do not receive a notification in September, please contact Medavie Blue Cross at 1-866-660-7670
If you have received notification and are affected by this change, it is important that you take action quickly. If you do not enroll in RAMQ's plan or, if eligible, another private group benefits plan that covers prescription drugs effective January 1, 2022, you will experience a break in coverage. Take action by January 1, 2022 to avoid any break in your coverage.
Below are several links to information related to this change. Click on the Links!