The Treasury Board has announced the 2023 PSHCP monthly contribution rates.
The Treasury Board has announced the new Public Service Health Care Plan (PSHCP) monthly contribution rates that will come into effect July 1, 2023.
Contribution rates for retired members of the PSHCP are adjusted to maintain the 50:50 (retired member:employer) cost-sharing ratio for supplementary coverage. PSHCP contribution rates are based on pensioner costs under the Plan over the preceding year. Rates increase when overall pensioner costs to the Plan have increased.
The following tables break down the contribution rates by the Extended Health Provision (EHP) and Hospital Provision (HP) with a total amount paid by the pensioner each month. The tables compare 2022 rates (left) with the rates for 2023 (right).
Retired member monthly contribution rates: Supplementary coverage
|
Single Rate 2022 |
Single Rate 2023 |
|||||
|
Type of Coverage |
EHP |
HP |
Total |
EHP |
HP |
Total |
|
Hospital Level I |
$62.62 |
$0.00 |
$62.62 |
$64.44 |
$0.00 |
$64.44 |
|
Hospital Level II |
$62.62 |
$8.40 |
$71.02 |
$64.44 |
$8.40 |
$72.84 |
|
Hospital Level III |
$62.62 |
$23.22 |
$85.84 |
$64.44 |
$23.22 |
$87.66 |
|
Family Rate 2022 |
Family Rate 2023 |
|||||
|
Type of Coverage |
EHP |
HP |
Total |
EHP |
HP |
Total |
|
Hospital Level I |
$129.84 |
$0.00 |
$129.84 |
$134.72 |
$0.00 |
$134.72 |
|
Hospital Level II |
$129.84 |
$12.14 |
$141.98 |
$134.72 |
$12.14 |
$146.86 |
|
Hospital Level III |
$129.84 |
$29.37 |
$159.21 |
$134.72 |
$29.37 |
$164.09 |
Retired member monthly contribution rates: Relief provision
Retired members of the federal public service who are entitled to the PSHCP Relief Provision can retain the 25:75 retired member:employer cost sharing ratio. To be eligible, you must either be a recipient of a Guaranteed Income Supplement (GIS) benefit, or your net or joint net income must be lower than the GIS thresholds. Previously, only those who joined the PSHCP as a retired member on or before March 31, 2015, were entitled to the PSHCP Relief Provision. However, with the renewed PSHCP deal coming into force July 1, 2023, the Association is pleased to share that eligibility has been extended to those who joined or who will join the PSHCP as a retired member through March 30, 2025.
To learn more about the PSHCP Relief Provision, visit the Treasury Board Secretariat online. Applications can be completed online or by mail.
|
Single Rate 2022 |
Single Rate 2023 |
|||||
|
Type of Coverage |
EHP |
HP |
Total |
EHP |
HP |
Total |
|
Hospital Level I |
$31.31 |
$0.00 |
$31.31 |
$32.22 |
$0.00 |
$32.22 |
|
Hospital Level II |
$31.31 |
$8.40 |
$39.71 |
$32.22 |
$8.40 |
$40.62 |
|
Hospital Level III |
$31.31 |
$23.22 |
$54.53 |
$32.22 |
$23.22 |
$55.44 |
|
Family Rate 2022 |
Family Rate 2023 |
|||||
|
Type of Coverage |
EHP |
HP |
Total |
EHP |
HP |
Total |
|
Hospital Level I |
$64.92 |
$0.00 |
$64.92 |
$67.36 |
$0.00 |
$67.36 |
|
Hospital Level II |
$64.92 |
$12.14 |
$77.06 |
$67.36 |
$12.14 |
$79.50 |
|
Hospital Level III |
$64.92 |
$29.37 |
$94.29 |
$67.36 |
$29.37 |
$96.73 |
Contribution rates can also be found in Appendix C of Schedule V on the National Joint Council website.
The new PSHCP Plan Directive is also available on the National Joint Council’s website. It will be in effect on July 1, 2023. The Plan Directive outlines the PSHCP’s governance, rules, policies and procedures, eligibility criteria and coverage. For any questions about your own PSHCP coverage, including positive enrolment, how to make claims and what you are eligible to claim, please contact Canada Life at 1-855-415-4414. This call centre will be open from 8 a.m. to 5 p.m. every day, member’s local time.