No age banding

We like to keep things simple so we developed a plan that is the same price for everyone. We do not age band. You can find the costs on our main page. Be sure to toggle to your specific province.

Note: The Publik Retiree Health Plans still experiences the same pressures that all other plans do, such as inflation, rising drug costs, increased administration requirements, claims, and insurance costs, but we do not experience jumps in premium due to age banding. 

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First of its kind Travel Coverage!
***90 Days Travel Insurance*** Out of Country and out of the Province. Return to your Home Province and your time restarts. Need top up insurance we can offer that to our clients as well. Orion Travel Insurance is providing the Publik Retiree Health Plans with a new standard of travel coverage. All of our plans come with $5,000,000 of out-of-country travel coverage with full COVID coverage regardless of COVID restrictions if you have both your shots and follow your provincial laws.  $2,500,000 COVID coverage if you have only one vaccination

Plan design flexibility
 

We understand that your health insurance needs change as you age. That's why we decided to allow your benefits to change with you. Every two years on the plan, you have the option to move up or down one plan level or add or delete dental. That way you aren't stuck with the same plan for the rest of your life. When you make the change there is no medical and all pre-existing conditions are covered. If the Primary member passes away the Secondary member can continue with the coverage as a single and does not have to apply for new coverage. 

Comprehensive drug plan
Unlike many others, the Publik Retiree Health Plans use the Telus National Formulary, giving you a wider spectrum of coverage.

Future enhancements are available to all plan holders and important points

All plan enhancements are applicable to all existing members, so everyone gets to benefit from our ingenuity and commitment to making our plans the best they can be. No waiting period you can start using the plan the day you request coverage to begin. You can join September 1st and go to the dentist September 1st. No deductibles. Prescription Drug Coverage Never ages out. If you have a child still attending University and under the age of twenty-five, they can join up under you for benefits as a Family Plan. We cover Flash Glucose Sensors, and

Continuous Glucose Sensors at 100% R/C up to an additional $4000 per year on all our plans. Regardless of Type of diabetes and this does not come out of your drug coverage it is additional coverage included. (Free Libre and Dexcom Sensors). This is on all plans except the Opportunity Plan.

You don't have to be retired to join our plans
If you age out of your current employer sponsored benefit plan and continue to work, you can join our plan as long as you sign up within 60 days. At many occupations once you are at a certain age you are no longer covered by their group benefits at that time you can join PUBLIK to ensure you have benefits. You will need to be under 75 years of age when joining.

We work with individuals with bridging options
If your employer allows you to take advantage of a bridging option, we will allow you to start your benefits with us after the bridging is complete. This insures you do not have to double up on payments. You will need to enroll within 60 days of losing benefits.

We are paperless
Going paperless has never been easier with all the wonderful new technology we have access to these days. We can save a tree and our data is more secure than ever! With our platform, you will have access to everything you need directly on your computer or smart device. At your Dentist or Pharmacy you can direct bill your prescriptions and services.

Open enrollments
 

Our open enrollments will allow retirees who are under the age of 75 a chance to qualify for Publik. Sign up for our newsletter for updates on when we will be available in your province. 

Moving Provinces- we allow you to take your coverage with you

If you decide to move provinces in the future you can definitely take your benefits with you. That being said, each province has difference premium costs but you can take your benefit plan with you.