Health Plan FAQ
Frequently Asked Questions
Health Plan
We offers a group health plan to its members which includes a health plan (visual and dental included), a Life Insurance/Death Benefit and Accidental Death & Dismemberment.
What kind of plan is it?The Barbados Union of Teachers offers a group health plan to its members which includes a health plan (visual and dental included), a Life Insurance/Death Benefit and Accidental Death & Dismemberment.
What kind of coverage does the plan offer?The plan covers the following:
- Health Insurance – $1,000,000. Paid claims are deducted from the million-dollar amount.
- Life Insurance/Death Benefit – $22,700 At age 66 it reduces by 50% and ceases at age 70.
- Accidental Death & Dismemberment – 22,700 Accidental Death is paid if life is loss due to an accident. The policy is terminated at age 66. Dismemberment benefit is paid if you lose two limbs and or body parts. E.g. an eye and an arm, two legs.
A deductible is the amount that the insurer pays before claims can be paid. Deductibles are as follows:
Health – $500
Dental – $50
Eye (Under 35) – $35
Eye (Over 35) – No deductible
What is Co-Insurance?Co-insurance is the percentage that the insurer pays. 65% is paid by Sagicor, the Co-insurer is responsible for 35%.
What is a double policy?A double policy plan is one which includes the following:
Insurer and spouse
Insurer and child
What happens if I become ill while overseas?The plan is an international plan as well.
To get coverage you will be required to call the number at the back of your insurance card.
The agent will give you instructions on the medical care provider that is closest to your location to assist you with seeking medical attention.
Can I seek medical attention overseas?Yes you can.
If you required a procedure that is not offered here or simply prefer to have it done overseas, the plan covers that as it is an international plan as well.
You will be required to produce a letter from your General Practitioner and a Specialist.
You will also need to provide a quote of the cost of the medical procedure from either the doctor overseas or the hospital.
If the procedure is offered in Barbados it will still be covered overseas however, reimbursement will be paid as if it was done in Barbados.
What is a family policy?A family policy includes three or more persons which include the insured, spouse and dependent children.
Children are covered up to the age of 19.
However, children are covered up to age 25 as long as they are in a recognized university or college.
How soon can I claim after signing up for the plan?Health claims can be claimed immediately.
Dental and Vision can be claimed three months after activation of the plan.
Does the plan cover for Annual Exams?Yes, it does. However, it only covers the insurer.
Under 35 – $185
Over 34 – $75
What coverage is included in the visual/eye plan?Eye Plan (Under Age 35) – $600
This includes eye exam, lenses and frames.
Is preventive care covered as well?Yes it is. The following test/exams are covered:
Pap smears – $65
Mammogram (40 years+) – $125
Prostate Exams (40 years+) – $40
E. C.G. (40 years +) – $60
Baby Immunization (under age 5) $100
Does this plan have maternity benefits?Yes. It covers the following:
Pre-natal visits – $1200
Regular Delivery – $2500
C- Section – $3000
Miscarriage – $1200
*The plan changes to a post-natal plan and is dependent on the type of delivery the mother had.
