Please note: our Edmonton office is currently closed to walk-in visitors due to COVID-19. Click here for up-to-date information about your benefits and COVID-19. 

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NOTE: This information is only current as of Sep 26, 2021. Please visit asebp.ca for the most up-to-date information.

MyRetiree Plan

The Alberta School Employee Benefit Plan's (ASEBP) MyRetiree Plan has no age cap, provides above-average industry coverage, offers a competitive rate guarantee (effective until September 1, 2023), and emergency travel insurance up to age 85. Find details below and in our printable MyRetiree Plan Information Brochure.

 

 

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Eligibility Criteria

  • Alberta resident
  • At least 50 years of age at date of retirement
  • Current or previous employee of an ASEBP participating employer
  • A surviving dependant of a former ASEBP member
  • Maintain Alberta Health Care insurance

Coverage Plans

Extended Health Care plus Vision Care: Mandatory

Extended Health Care (EHC) plus Vision Care coverage is mandatory and offered as a package. Our MyRetiree Plan offers coverage for Drugs, Other Medical Services & Supplies, Paramedical Services, Vision Care and Emergency Travel Insurance.

Dental Care: Optional

While Dental Care is optional, if you decline coverage at the time you apply, you cannot opt-in later unless you currently have dental coverage through another provider and can provide ASEBP with proof of loss of coverage. Also, dental coverage isn’t a stand-alone option, which means you can only have Dental Care if you also want Extended Health Care plus Vision Care coverage.

Life and Accidental Death & Dismemberment Insurance

Life and AD&D insurance is available to previous or existing covered members under 65. 

Levels

Because everyone’s benefits needs are different, we know it’s important to offer you some choices. Choose between:

  • Enhanced and Core plans, which offer comprehensive coverage at different rates and coverage levels.
    • You should also know that the Enhanced plan requires you to maintain a minimum of Single coverage level for a 2-year period. You may reduce to a Core plan only after two years is satisfied. You can choose to cancel at any time; however, if you terminate your coverage, you forfeit the right to participate in the future.
  • Single coverage: applies to member only
  • Couple coverage: applies to member and one dependant (spouse unless you advise otherwise)
  • Family coverage: applies to member and all dependants listed

Open Enrolment

You may also be eligible for our MyRetiree Plan if you:

  • are currently covered under our Early Retirement benefits
  • have coverage through another provider and were previously an employee of an ASEBP participating employer

To accommodate qualified returning ASEBP members and surviving dependants of deceased members, we have an open enrolment period from July 1, 2021, until December 31, 2022, with no medical required.

Drugs

Here are the basic eligibility criteria for prescription drugs:

  • Prescribed by a doctor or other licensed health care provider in Canada
  • Dispensed by a licensed Canadian pharmacy
  • Purchased in Canada and while you or your dependants are covered under the plan
  • Being used for their intended purpose as defined by Health Canada

As a MyRetiree Plan member, you can find your plan details under Benefits on My ASEBP or My Benefits on the My ASEBP Mobile App.

The per cent of coverage applies to the brand or generic least-cost alternative, preferred alternative or Therapeutic Alternative Reference Price (TARP), depending on the drug. Maximums are noted where applicable. If you are an ASEBP covered member, see the Drug Inquiry Tool on My ASEBP or the My ASEBP Mobile App for eligibility details on specific drugs. Note: over-the-counter drugs, even if prescribed, are not eligible for coverage.

Note that the following is a comprehensive summary of the official, legally binding ASEBP insurance policies and plan documents, which are available through your employer or by contacting us.

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Coverage Options

Choose between:

Enhanced
50-64 Over 65
No yearly maximum; 100% reimbursed for eligible drug claims *Prescription drug maximum of $5,000 per person per calendar year (unless otherwise noted); 100% reimbursed for eligible drug claims
Core
50-64 Over 65
No yearly maximum
70% / 100% reimbursement with $20,000 threshold. This means that eligible drug claims up to $20,000 are reimbursed at 70% per person per calendar year, with eligible claims beyond $20,000 reimbursed at 100%
*Prescription drug maximum of $3,500 per person per calendar year (unless otherwise noted)
70% reimbursed for eligible drug claims


*If you join the plan after age 65: drug maximums are effective upon enrolment. If you’re already enrolled in the MyRetiree Plan when you turn 65: drug maximums become effective January 1 following your 65th birthday.

Dispensing Fee Maximums

Dispensing fees are charged by the pharmacy to prepare your medication and can vary between pharmacies. Maximums are a flat rate and are included in the total cost of the prescription. See Pharmacy Dispensing Fees and Compound Drugs for details. 

  • $9 for drugs and prepackaged compounds
  • $13.50 for compounds

Dispensing for Maintenance Medications

Maintenance medications are drugs prescribed to patients with chronic health conditions or prescriptions that can be managed on a long-term basis. See Maintenance Medication Program for details and a complete list of drug classes considered maintenance medications by ASEBP.

If you refill a prescription beyond the allocated five refills per year, this may result in out-of-pocket dispensing fee expenses for you. If you are an ASEBP covered member, see the Drug Inquiry Tool on My ASEBP or the My ASEBP Mobile App to determine if a specific drug is listed as a maintenance medication.

  • 5 refills per calendar year

Enhanced Special Authorization

Any enhanced drug special authorization(s) in place for you and any dependants will terminate the first of the month after you turn 65.

Please note: your regular drug coverage, based on your choice of either Enhanced or Core coverage, will remain in place.

Erectile Dysfunction Drugs

Enhanced Plan Core Plan
100% to $100 per month; $800 maximum per calendar year 70% to $100 per month; $800 maximum per calendar year

Joint Injectible Materials

Your plan includes the cost of drugs used to treat osteoarthritis. Please contact us for eligibility details on specific drugs.

  • $1,000 per person per calendar year

Life Sustaining Over-the-Counter Exception List

ASEBP created a defined Life-Sustaining over-the-counter exceptions list for urgently needed, life-sustaining situations because we are required to limit coverage to medically exempt tax benefits. These categories include injectable epinephrine, insulin, injectable glucagon kits, nitroglycerin rescue treatments and potassium supplements.

See Coverage Options for yearly maximums for each plan.

Enhanced Plan Core Plan
100% 70% / 100%; $20,000 threshold

Sclerotherapy

See Coverage Options for yearly maximums for each plan.

Enhanced Plan Core Plan
100% 70% / 100%; $20,000 threshold

Smoking Cesssation

Enhanced Plan Core Plan
100% to a lifetime maximum of $1,500 per person 70% to a lifetime maximum of $1,500 per person

Vaccines

Enhanced Plan Core Plan
100% 70% / 100%; $20,000 threshold

Other Medical Services and Supplies

Our MyRetiree Plan provides coverage for a variety of medical services and supplies that complement your provincial health care insurance plan.

Note that the following is a comprehensive summary of the official, legally binding ASEBP insurance policies and plan documents, which are available through your employer or by contacting us.

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Coverage Details

Find a full listing of benefit offerings and explanations under Other Medical Services & Supplies.

  Enhanced Plan Core Plan
Acupuncture $500 per person per calendar year $300 per person per calendar year
Chiropractor $500 per person per calendar year $300 per person per calendar year
Diabetes Supplies $4,000 per person per calendar year $4,000 per person per calendar year
Hearing Aids $3,000 per person every three years $1,500 every three years
Hospital Room Semi-private room Semi-private room
Massage Therapy $500 per person per calendar year $300 per person per calendar year
Naturopath $200 per person per calendar year $200 per person per calendar year
Nursing $10,000 per person per calendar year; Lifetime maximum of $25,000 $10,000 per person per calendar year; Lifetime maximum of $25,000
Orthotics Foot orthotics: $200 per person per calendar year; Orthopedic shoes: $1,500 per person every two years Foot orthotics: $100 per person per calendar year; Orthopedic shoes: $750 per person every two years
Physiotherapy $500 per person per calendar year $300 per person per calendar year
Podiatrist/Chiropodist $500 per person per calendar year $300 per person per calendar year
Psychologist $1,000 per person per calendar year $600 per person per calendar year

Dental Care

If you choose to not enrol in Dental coverage when you initially apply for the MyRetiree Plan, you can only apply at a later date if you lose spousal or alternative coverage. Proof of loss of coverage will be required at the time of application.  Proof of loss must be submitted within 31 days of losing coverage.

Please know that you cannot enrol in just dental coverage without enrolling in Extended Health Care and Vision Care coverage.

You will find a list of some common basic preventative and restorative procedures and coverage limitations on our Dental page.

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Preventative/Basic

Enhanced Plan Core Plan

50% of the Dental Benefit List fees for basic treatments up to $2,500 per person per calendar year

50% of the Dental Benefit List fees for basic treatments up to $2,000 per person per calendar year

 

Major/Restorative

Enhanced Plan Core Plan
100% of the Dental Benefit List fees up to $5,000 for major treatments per person per calendar year  50% of the Dental Benefit List fees up to $2,000 for major treatments per person per calendar year 

Orthodontics

With the exception of diagnostic tests, ASEBP requires an orthodontic predetermination (treatment plan) be in place and the patient be under the direct care of a licensed dental provider before reimbursing orthodontic services. Note that the treatment plan should also include payment arrangements. Please see Orthodontic Predetermination and Payment Arrangements for details.

Only available for dependants 19 and under.

Enhanced Plan Core Plan
50% of the Dental Benefit List fees for examinations, diagnostics and all other treatments (e.g. appliances, banding, etc.) up to $3,000 per person per lifetime No coverage

Vision Care

Our MyRetiree Plan offers Vision Care benefits for products or services.

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Coverage Options

Enhanced Plan Core Plan
100% to a combined maximum of $300 every rolling two years One eye exam is covered every rolling two years at 100% to a maximum of $100

Emergency Travel Insurance

Our MyRetiree Plan, which offers a beyond-industry-standard age cap for emergency travel insurance, is available to eligible members until the end of the month in which you turn 85. Coverage for your dependants will also cease at this time, regardless of their ages.

In the event of a medical emergency, immediately call the applicable emergency access number to speak with a medical travel advisor. Please be prepared to quote your group and identification numbers—available on your ASEBP ID card or on the My ASEBP Mobile App—as well as travel plan number 879.

  • Toll-free in Canada and USA: 1-888-772-2583
  • In all other countries, or if you have difficulties with the toll-free number, call collect: 1-403-225-4289
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90-Day Stability Clause

Our stability clause means that there have been no changes to your pre-existing medical condition(s) 90 days prior to your trip date. Changes could mean an increase or decrease in medication, a new medication prescribed, hospitalization, new testing, treatment, symptoms or a new diagnosis for your condition.

If you have a pre-existing medical condition that isn’t stable 90 days before you leave Alberta, then any claims relating to that pre-existing medical condition won’t be covered.

COVID-19

You and your dependants will be covered for COVID-19 if you and/or they haven’t had any symptoms or a positive diagnosis in the 90 days prior to the departure date if there isn’t an active level 3 or level 4 COVID-19 travel advisory for your destination. You and the dependants travelling with you cannot be awaiting test results or have been in contact with anyone who tested positive in the 14 days prior to your departure date.

Lifetime Maximum

Following industry standards, our MyRetiree Plan has a per person lifetime maximum of $5,000,000 of emergency travel insurance.

Trip Duration Limitation

As a covered member, you can access 100% coverage over multiple trips per year up to a maximum duration of 100 days per trip. For trips extending beyond 100 days, you can purchase additional travel coverage through Alberta Blue Cross and by calling 1-800-394-1965 and press #4. Your 100 days resets upon re-entry into Canada.

Life and Accidental Death & Dismemberment Insurance

Your amount of insurance will be 2x the annual salary you had in place prior to retirement or terminating from ASEBP. If you did not previously participate in Life and AD&D insurance, you will not be eligible for these benefits.

Benefits paid under your Life Insurance and AD&D policies are tax-free; however, any interest earned may be subject to income tax.

Note that the following is a comprehensive summary of the official, legally binding ASEBP insurance policies and plan documents, which are available through your employer or by contacting us.

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Accidental Death & Dismemberment (AD&D) Insurance

Here are the basic eligibility criteria for AD&D insurance:

  • Available to covered members under 65
  • The accident must be the sole cause of death or specified injury for the benefit to be considered
  • Available only to you, the covered member (note that some benefits are payable to your spouse and dependants)
  • Your Principal Sum is two times your annual earnings at time of retirement to a maximum of $800,000.

To learn more about this coverage, visit the Accidental Death & Dismemberment Insurance page.

Life Insurance

Life Insurance is available to MyRetiree Plan members under 65. Here’s what’s covered:

  • Available to covered members under 65
  • Your Principal Sum is two times your annual earnings at retirement to a maximum of $800,000.
  • Payable to your designated beneficiary or your estate. This includes salary, administrative allowances, isolation pay, vacation pay, retroactive salary and compensation for an acting assignment longer than three months.
  • Note that annual earnings do not include car allowances, early retirement incentives, expense allowances or reimbursements, overtime, pay in lieu of vacation, salary from teaching night or summer school classes or signing bonuses.

To learn more about this coverage, visit the Life Insurance page.

Additional Information

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Applying For Coverage

To apply for the MyRetiree Plan, complete our MyRetiree Plan Application.

Frequently Asked Questions

Find answers to your questions in this FAQ document. Have a question we haven't answered? Contact us.

Going Back to Work

If you decide to return to work after you’ve already retired, here are a few things to keep in mind:

  • Returning to an employer who offers ASEBP benefits: If you're eligible for your employer’s ASEBP benefits, and enrolment will be submitted by your employer, your MyRetiree Plan benefits will be suspended until you leave this position. If you're planning to have your MyRetiree Plan benefits reinstated, you'll need to let us know within 31 days of your last working day by completing the MyRetiree Change Application. If you don't complete the form within this time, your MyRetiree Plan benefits will be cancelled. Submitting your MyRetiree Change Application request well in advance of leaving your temporary position will help avoid any lapses in your benefits.
  • Returning to an employer who doesn’t offer ASEBP benefits: A minimum participation level of single coverage must be maintained under your MyRetiree Plan benefits. If you decide not to continue any part of your MyRetiree Plan benefits, you won't be eligible to reapply for coverage once you stop working. Use the MyRetiree Change Application to reduce or cancel your coverage.

Making Changes to Your MyRetiree Plan Benefits

Once you’ve enrolled in our MyRetiree Plan, there are only a few changes you can make to your general health benefits (Extended Health Care, Vision and Dental Care). All changes, regardless of the benefits you have, must be made using the MyRetiree Change Application

  • If you select an Enhanced plan, you'll be required to maintain a minimum level of Single enhanced coverage for two years before choosing to select a Core plan; however, you may increase from Core to Enhanced at any time.
  • Coverage can be terminated at any time; however, if you terminate your coverage, you forfeit the right to participate in our MyRetiree Plan in the future.
  • While Dental Care is optional:
    • If you choose to decline dental coverage in your initial application you cannot reapply for dental.
    • If you decline due to having alternate coverage in place, you can only reapply for dental coverage by providing us with proof of loss of coverage within 31 days of an involuntary loss. You can do this by emailing or mailing us a letter from your provider outlining the date your coverage terminated.
  • Change in coverage level: you may move from single to couple or family coverage for your general health benefits if you get married, lose spousal/alternative coverage, or gain a dependant. You may decrease your coverage at any time and  have 31 days from one of these events to request a change by completing the MyRetiree Change Application.

Paying Your Premiums

Premiums are paid monthly by pre-authorized debit withdrawals on the 15th of every month, with premiums covering benefits within the withdrawal month. Please ensure your banking information is kept up to date to avoid EFT failure fees.

Pre-Retirement Planning Resources

Thinking about retirement? Take advantage of your Employee and Family Assistance Program (EFAP) to make sure you’re retirement-ready. Your EFAP offers a wide range of free services to help you assess or begin your retirement planning, like articles (Retire Happy, Healthy and Secure and Pre-Retirement Planning), e-courses (Preparing for your Retirement) and even coaching services through the Life Smart program. Log in to Homeweb and search “retirement” to get started. Your EFAP is only available prior to retirement and isn’t included as part of ASEBP’s Early Retirement or MyRetiree Plan benefits.

Referral Program

We are offering a promotional referral program during the open enrolment period (July 1, 2021 to December 31, 2022). As an active member of ASEBP’s MyRetiree Plan, you can receive a five per cent (5%) discount off your monthly premiums for 12 months if you refer someone who then becomes a member of the MyRetiree Plan. New applicants must indicate they were referred on their application form. ASEBP will not apply a missed referral once the applicant becomes a member. You are only eligible to receive one - five per cent discount regardless of the number of successful referrals.

What's Not Covered

  • Employee and Family Assistance Program
  • Extended Disability Benefits
  • Spending Accounts