(246) 538-2277      info@barpbb.com       Mervue House, Marine Gardens, Hastings, Christ Church, Barbados
Items filtered by date: March 2018
Tuesday, 10 April 2018 12:01

2017 BARP Manifesto Proposals

Re. 2017 BARP Manifesto Proposals

In accordance with the mission of the Barbados Association of Retired Persons Inc. (BARP) to be
an outstanding leader in championing the well-being of all 50 plus people in Barbados, we are
submitting a set of Proposals to each political party for inclusion in their respective party manifesto.

The attached submission is the outcome of a consultation we convened with a cross-section of our membership and consists of areas of concerns and corresponding proposals which our members believe should form part of any policy making processes, initiatives and programmes going forward. The proposals encompass the following:

  1. The high level of taxation, especially with the introduction of the National Social Responsibility Levy, which has increased the cost of living of all Barbadians and has placed a heavier burden on pensioners in meeting their daily needs.
  2. The ravages of Non Communicable Diseases and the associated high costs of healthcare financing which the country faces.
  3. The slow implementation of policies and lack of requisite infrastructure which will prepare Barbados for the realities of an aging population given the projections that one in every eight Barbadians will be aged 67 years or over during the term of the next Government.
  4. The absence of a comprehensive anti-corruption policy.

We trust that our recommendations are deemed favourable by the members of your political party. Should you require clarification on any aspect of our submission, please do not hesitate to contact the undersigned.

Yours sincerely,

Barbados Association of Retired Persons Inc.

Elsa C. Webster

Executive Manager

 

Published in News

healthplan summaryFAQ


  1. If the Life Benefit is compulsory and BARP has over 28 000 members, how was it under subscribed? - Only 12,000 members have come in to sign up for the Life benefit so far. We are hopeful that the other 16,000 will come in to sign up by September even though their memberships have not yet expired. We also have approx 1600 members with a lifetime memberships and we are asking those persons to come in to sign up as well

  2. Why did the under subscribed Life Benefit affect the Health Plan which surpassed enrollment objectives? Aren’t they separate? If not, how are the two related? They are related. The reason why the ICBL plan failed was because many persons made more claims than the premiums they paid on a regular basis. It is anticipated that The Life benefit, while being an excellent additional benefit for all BARP members, will also help to sustain the Health Plan. The brochures distributed from the first town hall meeting, Dec 13th, 2017, mentioned that all BARP members were required to subscribe to the LIFE BENEFIT. That is why it was made part of the BARP fees.

  3. If the 5000 health insurance enrollment objective was surpassed by 2000 persons, why was the deductible increased? Short answer – The insurance companies continued to insist that a minimum number of 20,000 persons must be enrolled in the Life benefit by March 31st.

  4. Since the enrollment objective was surpassed by 2000 persons, why was the deductible not decreased? The Insurance companies did not agree to that. We hope that as more persons continue to join the plan during the year that the increased numbers will give us some more leverage. However that depends on the level of the claims. Persons need to careful about the claims they make and not “nickel and dime” the plan. An unreasonable claims ratio (more dollar amounts for claims that premiums paid) can be unfavorable. So we all have to ensure that we claim responsibly. The plan has some checks and balances built in to help control high claims.

  5. If the 5000 health insurance enrollment objective was surpassed, why didn't the insurance start on 1st April? Many persons were not able to complete the enrollment on time. They collected and completed the forms before the deadline but waited until the last 2 weeks. BARP just could not accommodate all of the persons who, for one reason or another waited till the last minute. More than half of the 3000 persons enrolled during the last 2 weeks of March. That is why the lines were so long despite the Saturday and extended opening hours.

  6. On what date are monthly premiums due? Premiums are due 30 days in advance of the month of coverage. Payments made with the expectation of an April 1st, 2018 start date will now be applied for coverage in the Month of May 2018. Payments for June should be made before MAY 1st, 2018.

  7. Why do you have to pay insurance premiums 30 days in advance? This is necessary to ensure that payments reach SAGICOR on time. It is a GROUP plan. Payments to SAGICOR have to be made for the whole GROUP at the same time. As you are aware BARP members do not all work at BARP so we have to allow time for the individual payments to be received and reconciled as to who has paid and who has not in order to ensure that the payments are sent off by the first week of the month prior to the month of coverage. No one in the Group will be covered if SAGICOR does not receive payments on time. Unfortunately BARP can only pass on the payments that it has received. We cannot pay for those persons who have not paid in time. It is very important you pay for premiums 30 days in advance.

  8. Why did BARP stop 3 & 5 year memberships? The LIFE benefit is now part of the BARP fees and is payable annually. It cannot be paid beyond the year of coverage. Therefore it cannot be paid for 3 or 5 years at a time.

  9. Coming to the BARP office every year to renew is inconvenient. Can payments be made anywhere else? We are currently making arrangements for payments at several other popular facilities, the Post Office, Online and standing orders. We will soon provide those details. Trials are underway to ensure low transaction costs and easy processing.

  10. How are claims made? Standard SAGICOR Claim forms can be obtained from the doctors and other Service Providers. REMEMBER TO ASK FOR YOUR BARP DISCOUNTS. They will reduce your claims. The claims forms should then be submitted directly to SAGICOR at any of their locations. This will shorten the time to receiving your appropriate reimbursements.

  11. Where do I get claim forms? Use the Standard Sagicor claim forms from your medical service providers?

  12. How can I reduce my claims?
  1. Use medical service providers who give BARP discounts. Remember to ask for discounts!!
  2. Make use of the Polyclinics where ever possible. They offer excellent medical services. If you think the wait is long at the Polyclinics, walk with a sandwich, an apple and a book or newspaper. Make friends with the other persons who are waiting – we are all Bajans and BARP members.
  3. Make use of service providers like the Cancer Society, Heart and Stroke Foundation, the Diabetes Foundation and other similar associations. They offer excellent services and are Not-for-Profit organizations with very affordable cost for service

 

Published in News
Friday, 06 April 2018 17:45

Health Plan & Life Benefit Update

headnotice

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

Published in News

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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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