Cost / Premiums

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Health Care Plan


Premiums are deducted from your pension. If your premiums are higher than your pension amount, you must send a cheque for the required premium in advance to your Management Pension Advisor.
Retirees
If your retirement date is before September 1, 2005:
Each month​ ​
Retirees pay... ​ NAV CANADA pays... ​
​Single Coverage Family Coverage​ Single Coverage​ ​Family coverage
​$26.35 ​$46.60 ​$105.38 ​$186.40

For Quebec residents age 65 and over who are enrolled in Plan B:

​ ​ ​ ​Each month
Retirees pay...​ ​ ​ ​NAV CANADA pays...
Single Coverage Family Coverage Single Coverage Family Coverage
Regular Premium ​$26.35 $46.60​ ​$105.38 ​$186.40
Provincial Supplement ​$199.44* ​$397.06* ​$0 ​$0
Total Monthly Premium ​$225.79 ​$443.65 ​$105.38 $186.40​
*The supplement rates are based on Sun Life's analysis of average annual drug costs in Quebec for individuals over age 65. These rates are then adjusted to take into account NAV CANADA's specific claims experience, plan design features and expenses as well as inflationary and economic considerations. Similar to our regular Health Care Premiums, the rates for the supplement will be subject to change based on the experience of the plan.
If your retirement date is on or after September 1, 2005:
Each month​ ​
Retirees pay... ​ NAV CANADA pays... ​
​Single Coverage Family Coverage​ Single Coverage​ ​Family coverage
​$52.70 ​$93.20 ​$79.03 ​$139.80
For Quebec residents age 65 and over who are enrolled in Plan B:
Each month​ ​ ​ ​ ​
Retirees pay...​ ​ ​ ​NAV CANADA pays...
Single Coverage Family Coverage​ Single Coverage Family Coverage​
Regular Premium ​$52.70 ​$93.20 $79.03 $139.80
Provincial Supplement ​$199.44* ​$397.06* ​$0 ​$0
Total Monthly Premium ​$252.14 ​$490.25 ​$62.54 ​$112.56
*The supplement rates are based on Sun Life's analysis of average annual drug costs in Quebec for individuals over age 65. These rates are then adjusted to take into account NAV CANADA's specific claims experience, plan design features and expenses as well as inflationary and economic considerations. Similar to our regular Health Care Premiums, the rates for the supplement will be subject to change based on the experience of the plan.
Surviving children (dependent coverage only)
 
If your parent died before September 1, 2005:
​Each Month ​ ​
​Dependents pay... ​NAV CANADA pays....
​$24.72 ​$98.88
If your parent dies on or after September 1, 2005:
​Each Month ​ ​
​Dependents pay... ​NAV CANADA pays....
​$49.44 ​$74.16
Premiums are subject to provincial tax: for Ontario (8%), Quebec (9%), Manitoba (8%), and Saskatchewan (6%).
 
When you live in Quebec, premiums and provincial tax paid by NAV CANADA for your Health Care Plan coverage are subject to provincial income tax. This annual taxable benefit is reported on your Relevé 1 or Relevé 2 (but not your T4 or T4A). Applicable income taxes are deducted from your NAV CANADA pension benefit, for retirees residing in Quebec.
Published on October 17, 2017