(246) 538-2277      info@barpbb.com       Mervue House, Marine Gardens, Hastings, Christ Church, Barbados
Thursday, 14 December 2017 12:43

Group Health Plan

HEALTH PLAN DOCUMENTS FOR DOWNLOAD

Health Plan Brochure Jan28 2018

The new Medical plan is specially designed to provide all members of BARP and their respective immediate family with access to a wide range of medical insurance benefits that would otherwise be very costly for many members to purchase on an individual basis. Download and review the brochure; for further information contact the Employee Benefits Division at CGM Gallagher Tel: 434 -2200 or  BARP at 538-2277.

ELIGIBILITY FOR HEALTH INSURANCE
Persons joining BARP on the attainment of age 50 are eligible to join the plan immediately.  Members between the ages of 51  and 59  years will require medical evidence of insurability satisfactory to the insurer, at the member’s expense, prior to approval of coverage.  BARP members age 60 and over will NOT be eligible to join the Health plan.

INTRODUCTION OF LIFE BENEFIT COVERAGE
Effective January 1st, 2018, there is an additional $40.00 per year subscription which will be put towards insurance coverage for your final expenses (payable upon death) in the amount of BDS $5,000. This amount must be paid between January 1st and March 31st, 2018.
Coverage will commence May 1st, 2018.

PAYMENT METHODS - GROUP HEALTH PLAN
Please be advised that payments for the Health Plan can be made as follows:

  • At the BARP office via debit cards, cash or cheques.
  • Dropbox for CHEQUES ONLY at the BARP office.
  • Any SurePay location islandwide or from an online SurePay account. Go to SurePay's FAQs » Register for SurePay Online »
  • By standing ordervia your bank.(Standing order form available for download above). 

* Premiums are due thirty (30) days in advance.

* Prepayments can be made to the end of the policy year.

HEALTH PLAN DOCUMENTS FOR DOWNLOAD

 

 

 

 

 

 

 

 

 

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Group Health FAQs

  • When does coverage start? +

    Coverage starts on the 1st of May, 2018.
  • What is Open Enrolment? +

    Open Enrolment is enrolment without medicals
  • When do I sign up? +

    You can sign up at any time during the Open Enrolment period from the 1st of January 2018 to 30th March 2018.
  • Where do I sign up? +

    You can sign up at the BARP office in Hastings and at CGM Gallagher’s office in Haggatt Hall
  • Do I have to provide Evidence of Insurability? +

    No, only if you sign up after the 1st of April 2018.
  • What is a Deductible? +

    Your deductible is the initial amount you must pay each year for covered health services before the Insurer will start to pay. You must be mindful of the limits within the plan.
  • Is there an annual deductible? +

    There is an annual Medical deductible of $500.00 per member with a maximum of two per family. The Deductible for the Dental Benefit and the Vision Benefit is $50.00 each.
  • What is Co-payment? +

    A co-payment is a fixed 20% amount you pay toward each medical service since the plan will pay 80% of eligible charges.
  • What is Co-insurance? +

    Coinsurance is a fixed 80%, rather than a flat amount, that the insurer pays toward medical service.
  • When are premium payments due? +

    Premiums are payable monthly and in advance. Payment must be made to the BARP office.
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