(246) 538-2277      info@barpbb.com       Mervue House, Marine Gardens, Hastings, Christ Church, Barbados
Friday, 06 April 2018 17:45

Health Plan & Life Benefit Update


Fellow BARP Members,

We refer to a recent communication on Facebook and in the Nation newspaper of Wednesday, April 4th, relating to proposed changes to the BARP Group Health and Life plans as directed by the consortium of Insurers.

Given the vast number of members who were unable to enroll leading up to the March 31st deadline date, BARP, along with CGM Gallagher, held further discussions with the consortium of Insurers who graciously accepted our request to extend the open enrollment by two (2) weeks to April 13, 2018. This was in an effort to accommodate the large number of persons who could not complete their registration on time. We still have not attained the target number for the Life Benefit, however, the numbers for the Health Plan have significantly increased. The extension has already resulted in much improved enrollment numbers.

Based on the increased numbers, we again had further dialogue with the Insurers and are pleased to advise of the following:

• The effective date of both the Life and Health plans is May 01, 2018 to allow for the ongoing enrollment up to the extended deadline of April 13, 2018.
• Maintain the original annual deductible of $500.00 per persons for the Health plan.
• The introduction of a one (1) year waiting period before any claims can be submitted against the Life Benefit.

We wish to clarify that there is no waiting period for the Health insurance This means that health claims may be presented from the first day of the effective date of the policy, May 1, 2018.

We sincerely thank all of those BARP members who have enrolled in order to make the Life and Health plans viable for the overall benefit of the membership. We also thank our insurance Broker, CGM Gallagher as well as the consortium of Insurers, Sagicor Life Inc., Brydens Insurance and The Beacon Insurance Co. Ltd, all of whom have worked tirelessly to make this possible.

April 6th, 2018

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Group Health FAQs

  • When does coverage start? +

    Coverage starts on the 1st of April, 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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