Humi is Canada's complete HR, Benefits, and Payroll solution. Digital employee onboarding, time off tracking, benefits integration, complete payroll, and more. HR system HR software Canada Canadian (Humi Inc, Humi HR, Humi RH).

Log in

SunLife Adds Cannabis Coverage to Benefits

Subscribe

Hilary Lamb

← All news posts

May 10, 2018
3 minute read

With the legalization of recreational marijuana looming in Canada, businesses across the nation are setting themselves up to be a part of this potentially lucrative industry. This shift in the public perception of the drug is also pushing the healthcare community to re-evaluate their stance on medicinal marijuana, including health benefit providers.

One of the main reasons that medical marijuana insurance claims are denied is their lack of a Drug Identification Number or DIN. Health Canada assigns a DIN to a drug after it has gone through research trials and testing, and having a DIN is the industry standard for allowing the drug to be sold or reimbursed. For insurance companies, this means; no DIN, no coverage. But it is easy to see that the landscape is changing.

Starting March 1, 2018, Sun Life has introduced medical cannabis as an optional coverage add-on to it’s Extended Health Care benefit. This means that employers with Sun Life plans now have the option to purchase medical marijuana coverage for their group benefits plan.

This coverage, however, does come with many caveats and a lot of paperwork. The below information comes from Sun Life’s Focus Update published on February 15, 2018.

Eligibility: Plan members are only eligible for this coverage if they meet the clinical criteria as defined by Sun Life. Conditions eligible for coverage currently include Cancer, Multiple Sclerosis, Rheumatoid Arthritis, HIV/AIDS, and palliative care. Additionally, these conditions require that specific symptoms are present.

Approval: Plan members must submit an approval form for adjudication by Sun Life. They must also comply with ACMP Regulations which means providing a physicians letter and registering with a Health Canada authorized medical cannabis producer.

Although this may not be the all-encompassing coverage with easy access that a lot of people are looking for, it is still a step in that direction and should be recognized as such.

If you want to add medicinal marijuana coverage to your benefits plan but you are not currently with Sun Life, you don’t have to change carriers to do so. Medical marijuana is listed as an eligible medical expense with the CRA*, meaning that it can be claimed against a Healthcare Spending Account (HSA). HSAs are offered by most insurance carriers and can be added onto a traditional benefits plan with relative ease.

That being said, although HSA’s are generally open to the CRA eligibility list, this does not mean it will automatically be covered, and plan members will still have to follow ACMP Regulations as outlined earlier. We recommend speaking to your insurance carrier representative before submitting a claim to see if your expense will be covered and what documentation is required.

*subject to change, check the CRA website for the most up-to-date list of eligible medical expenses

Are you with Sun Life and want to add Medical Marijuana coverage? Do you want to add an HSA to your existing plan? We are happy to help! Email us at brokers@humi.ca to get in touch with our experienced group benefits team.



See why thousands of Canadian companies choose Humi as their benefits broker


See Humi Benefits


Get news as it comes out.



Subscribe

Share this post.



← All news posts

Hilary Lamb
Hilary Lamb is a Client Experience Manager at Humi and has a penchant for salty snacks.



Up next: