Fédération interprofessionnelle de la santé du Québec (FIQ and FIQP)

FIQ and FIQP | La Capitale Group Insurance

Welcome everyone, your group insurance plan takes effect on April 14, 2019.

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Client Centre

Whether you’re using our web version or our mobile app, you can now log in to your Client Centre account to manage your insurance and finances in an easy, quick and secure way. Get access to:

  • Claim information
  • Your insurance plan and insured amounts
  • Your cumulative amounts for tax purposes and various forms
  • Your group insurance information (booklet or contract)
  • Your online payment statements
  • Your service card in order to print it

Access Client Centre

Find out more about your Client Centre

Employees

Administrative and Claim Forms

Booklet and zoom on your coverage with fees

Retirees

Become a RIIRS member

Life Insurance for RIIRS members

Perspective Healthcare Insurance

By mail

625 Jacques-Parizeau St
Quebec QC  G1R 2G5

Send all mail to:
PO Box 1500
Quebec QC  G1K 8X9

By telephone

418 644-4200
Toll free: 1 800 463-4856
Fax: 418 644-5226

Is participation in the FIQ’s group insurance plan mandatory?

Yes. The Act respecting prescription drug insurance in Québec requires all persons under age 65 who are eligible for a private group health insurance plan offering prescription drug coverage to enrol in the plan and cover their dependents (spouse and children) subject to the exemption privilege. The terms and conditions for participation in the other benefits offered under the plan are taken from the collective agreement.

Can I take advantage of the exemption privilege?

Yes. You may be exempted from participating in the health insurance plan if you provide your insurer with proof that you and your dependents, if any, are covered under a group insurance plan with similar benefits.

How do participants who are insured with more than one employer make their plan selections?

Participants will receive an insurance certificate from each of their employers. They will have to make their selection based on the employer with which it has health and Dental Care coverage. It is important to use the ID number appearing on the insurance certificate from that employer. The exemption will continue with other employers.

If I make new selections, can I still present the service card I received at the pharmacy?

Yes, because the ID number appearing on the card remains the same, regardless of your selections. A new insurance certificate confirming your new selections will be sent to you, however.

How come Vision Care, such as eyeglasses, is not included in the modules offered?

Based on the FIQ’s discussion of this matter with the actuary, in view of the high administration fees and taxes on the premiums for these services, it is more expensive to add these services to the insurance coverage than to individually cover the costs associated with them. The FIQ has therefore decided not to include that coverage in the options offered to you.

Why is a minimum participation period being introduced?

A When individual participants are able to make choices within a group plan, contracts generally provide a minimum participation period for the plan selected. The new maintenance period for health insurance will make it possible to ensure greater premium stability by limiting movements from one module to another as needs change, for the sole purpose of paying the lowest possible premium while maximizing reimbursements.

I currently have Dental Care coverage. Will amounts reimbursed to me before April 14, 2019 be taken into account?

No. All accumulators (other than those for orthodontic services, to which a lifetime maximum applies) will be reset to zero. Any reimbursement already received for orthodontic services will be taken into account for this lifetime maximum.

Will La Capitale take into account the amounts I have paid for prescription drugs since January 1, 2019?

Yes. In compliance with the Act respecting prescription drug insurance in Québec, when a change of insurer occurs during the course of a year, the amounts paid for prescription drugs between January 1 and the transfer date are taken into account by the new insurer for the purpose of reaching 100% reimbursement. Desjardins will provide La Capitale with the cumulative statement of the amounts paid out during that period for each participant.

Will La Capitale take into account the amounts I have paid for prescription drugs since January 1, 2019?

Yes. In compliance with the Act respecting prescription drug insurance in Québec, when a change of insurer occurs during the course of a year, the amounts paid for prescription drugs between January 1 and the transfer date are taken into account by the new insurer for the purpose of reaching 100% reimbursement. Desjardins will provide La Capitale with the cumulative statement of the amounts paid out during that period for each participant.

Desjardins authorized reimbursement of a prior authorization drug for me or a family member. Will La Capitale reimburse those expenses?

Yes. La Capitale will continue to reimburse the prescription drug expenses during the period authorized by Desjardins. If appropriate, La Capitale will conduct its own analysis later on.

Will the amount reimbursed to me previously for participation in an addiction treatment program be taken into account?

No. The accumulators will be reset to zero.

Desjardins reimbursed the expenses I incurred for the purchase of a therapeutic device, which was prescribed for me. If I have to buy another one, will I need a prescription?

La Capitale may request a new prescription.

I want to know what the coverage is under the current group insurance

First, you can consult your group insurance plan.
Your coverage at a glance
Detailed description of your coverage

I want to make a claim

  • Online
    You can file a claim online from the Client Centre.
  • Mobile app
    You can file claims in a few easy steps using your tablet or smart phone.
    Download the app on Google Play or the App Store.  
  • Service card
    Present your service card to your dentist or pharmacist for direct processing of your claim.
  • By mail
    1. Access the claim form
    2. Complete, date and sign the form
    3. Attach your original receipts.
    N.B.: Keep a copy of your receipts on file in case they are needed for future verification.

 

How can a salaried employee covered by the FIQ’s collective agreement with more than one employer make coverage selections?

Salaried employees must participate in the health and dental care insurance plans (if they enrol in this optional plan) offered by one employer of their choosing, and they must take advantage of the exemption entitlement with their other employer(s).

Is the information concerning life insurance beneficiaries in my file at La Capitale?

It is important for you to designate your beneficiaries. If you don’t, your legal heirs will be designated by default. Visit your Client Centre to consult the information available in your file.

If necessary, complete the Designation of beneficiary form and send it to La Capitale.

When and how do I provide confirmation of student status for dependent children between the ages of 18 and 25?

Confirmation of student status must be provided to the insurer once every school year (from September 1 to August 31). The confirmation may be made orally or in writing to our Customer Service Department.

How can I update the contact information of my dependents?

Simply complete the Group Insurance Application and Modifications form and give it to your employer, who will forward it to La Capitale.


For more information on your group coverage, please call 418 644-4200 or toll-free 1 800 463-4856. If you prefer, you can also send us an email. If you prefer, you can also contact us by email or visit the FAQ section.