Changes in Alberta for chiropractic coverage

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The Alberta government has announced it will no longer fund chiropractic services for Alberta residents. While no date has been announced, it is expected that this change will be effective July 1, 2009.

This communication applies to you if you have employees residing in Alberta. 

Currently, the Alberta Health Care Insurance Plan (AHCIP) pays a per visit maximum of $14.00 for chiropractic services, to an annual maximum of $200, and $23.19 for one annual x-ray. As of July 1, 2009 this coverage will no longer be provided.

Impact to you, if your plan includes Alberta members

Your plan pays for chiropractic services only after AHCIP coverage has been exhausted. As a result of this change to provincial funding, the rate impact for Alberta members will be a 3.5% increase.

However, recognizing the financial impact and the short implementation timeframe, Sun Life will delay the rate change date until September 1st and prorate the increase to 4%. This will allow you adequate time for discussions with your Group Insurance Advisor should you wish to make any plan design changes as a result of this increase.

Contract amendments required

Your Sun Life Financial booklet makes specific reference to “services rendered by a chiropractor or a podiatrist in Alberta.” Please note, as a result of this change, your contract will be amended to remove reference to the AHCIP chiropractic coverage since we will be paying chiropractor services from the first visit.

This Focus Update serves as an amendment to your contract effective July 1, 2009. Please file this notice with your Sun Life Financial contracts for future reference.

We will update the wording in your booklets at your next document reissue to reflect this change.

Impact on Claims Services

As of July 1, 2009, the AHCIP will no longer cover chiropractor’s services and Sun Life Financial will begin receiving and adjudicating all expenses for these services from the first visit. Any changes you make to your plan design will be reflected in claims payments as of the effective date of the new change.

Provincial plan coverage for chiropractic services

The only provinces that continue to provide universal coverage for chiropractic services are Saskatchewan and Manitoba. If you have members in provinces outside Alberta, you are likely providing chiropractic coverage from the first visit for those members. As such, you may want to consider this in determining plan design changes as a result of the Alberta change.

Next steps

If you wish to make changes to your plan, contact your Group Insurance Advisor and initiate the plan amendment as soon as possible. If you have not contacted your Advisor to request a plan update, we will presume you want us to continue paying chiropractor expenses from the first visit and implement the required rate increase and booklet amendments as outlined above.

Questions

If you have any questions regarding the changes to the Alberta Health Care Insurance plan and how they impact your group benefits plan, please contact your Group Insurance Advisor.

For additional information, please visit the Alberta government Web site at http://www.health.gov.ab.ca/