Health plan
Employees of Concordia university please click here to access Carrefour, the intranet.
The Concordia Health Plan helps you and your insured eligible dependents pay for certain health-related expenses, in case of personal illness or injury.
While the plan covers many services and procedures, including telemedicine through Lumino Health Virtual Care, there are some exclusions and limitations.
Inpatriates and non residents must be covered under a provincial health insurance plan or an inpatriate health plan such as the one offered by Sun Life, our benefit provider, to be eligible for the Concordia’s health plan.
Students: Undergraduate and graduate students can learn about the Concordia Student Health Plan through the "Student Care" website.
Highlights
The following provisions apply for eligible employees.
| Current Coverage |
|
|---|---|
| Deductible | $3 per DIN |
| RAMQ drugs (mandatory generic drug substitution) | 80% (or 100% once these eligible expenses exceed $3,000 per Certificate per benefit year) As of May 1, 2024: Introducing mandatory generic drug substitution to the Concordia Health Plan. |
| Non-RAMQ drugs (mandatory generic drug substitution) | 60% (or 100% once the eligible expenses exceed $3,000 per Certificate per benefit year). |
| Medical and paramedical expenses (including paramedical practitioners) | 80% |
| Psychologists, psychiatrists and psychotherapists | 80% |
| Vision care (depending on your eligible employee group) | 80% |
| Pharmacogenomic testing | 80% |
| Emergency care and travel assistance outside your province of residence | 100% |
| Hospital care (semiprivate room in a public general hospital or a licensed convalescent hospital) | 100% |
| Maximum lifetime reimbursement |
|