BPG Inc. Plan Details

How this plan will work with your Bell Plan:

JUMP TO BASIC SERVICES PLAN A
JUMP TO MAJOR SERVICES PLAN A

JUMP TO BASIC SERVICES PLAN B
JUMP TO MAJOR SERVICES PLAN B

 

BASIC SERVICES PLAN A
Benefits are the same as your Bell plan.

To illustrate, if your annual dental claim amount is $1,000 (based on current fee guide):

EXAMPLE ONE (If the 1988 rates are 25% of current rates)

Present Bell Plan (1988 cost for this work is $250)90% x $250 = $225	Green Shield Supplemental Plan (the actual cost for this work has gone up to $1,000)50% x $1,000 = $500
Current re-imbursement from Bell plan only = $225 out of $1,000. (in this example 22.5%) Re-imbursement using both plans = $725 out of $1,000. (in this example 72.5%)

EXAMPLE TWO (If the 1988 rate is 50% of current rates)

Present Bell Plan (1988 cost for this work is $500)90% x $500 = $450	Green Shield Supplemental Plan (the actual cost of this work has gone up to $1,000)50% x $1,000 = $500
Current re-imbursement from Bell plan only = $450 out of $1,000. (in this example 45%) Re-imbursement using both plans = $950 out of $1,000. (in this example 95%)

EXAMPLE THREE (If the 1988 rates are 75% of current rates)

Present Bell Plan (1988 cost for this work is $750)90% x $750 = $675	Green Shield Supplemental Plan (the actual cost of this work has gone up to $1,000)50% x $1,000 = $500 but because you cannot get more then you actually paid, you would receive $325.
Current re-imbursement from Bell plan only = $675 out of $1,000. (in this example 67.5%) Re-imbursement using both plans = $1,000 out of $1,000. (in this example 100%)

MAJOR SERVICES PLAN A
Benefits are the same as your Bell plan.

To illustrate, if your annual dental claim amount is $3,335 (based on current fee guide):

EXAMPLE ONE (If the 1988 rate is 25% of current rates)

Present Bell Plan (1988 cost for this work is $834)60% x $834 = $500	Green Shield Supplemental Plan (the actual cost for this work has gone up to $3,335)30% x $3,335 = $1,000(max. allowed)
Current re-imbursement from Bell plan only = $500 out of $3,335. (in this example 15%) Re-imbursement using both plans = $1,500 out of $3,335. (in this example 45%)

EXAMPLE TWO (If the 1988 rate is 50% of current rates)

Present Bell Plan (1988 cost for this work is $1,667)60% x 1,667 = $1,000	Green Shield Supplemental Plan (the actual cost for this work has gone up to $3,335)30% x $3,335 = $1,000(max. allowed)
Current re-imbursement from Bell plan only = $1,000 out of $3,335. (in this example 30%) Re-imbursement using both plans = $2,000 out of $3,335. (in this example 60%)

EXAMPLE THREE (If the 1988 rate is 75% of current rates)

Present Bell Plan (1988 cost for this work is $2,501)60% x $2,501 = $1,000 (max. allowed)	Green Shield Supplemental Plan (the actual cost for this work has gone up to $3,335)30% x $3,335 = $1,000(max. allowed)
Current re-imbursement from Bell plan only = $1,000 out of $3,335. (in this example 30%) Re-imbursement using both plans = $2,000 out of $3,335. (in this example 60%)

NOTE: The maximum re-imbursement allowed under MAJOR services is $1,000 per plan. Therefore the maximum you can collect each year using both plans under major services is $2,000 per person per year. A $25.00 per person/$50.00 per family annual deductible per plan also applies to major services. Please remember, however, that BASIC services has no annual maximum and no deductible.

BASIC SERVICES PLAN B
Benefits are the same as your Bell plan.

To illustrate, if your annual dental claim amount is $1,000 (based on current fee guide):

EXAMPLE ONE (If the 2 year old rate is 75% of current rates)

Present Bell Plan (2 year old cost for this work is $750)80% x $750 = $600	Green Shield Supplemental Plan (the actual cost for this work has gone up to $1,000)20% x $1,000 = $200
Current re-imbursement from Bell plan only = $600 out of $1,000. (in this example 60%) Re-imbursement using both plans = $800 out of $1,000. (in this example 80%)

EXAMPLE TWO (If the 2 year old rate is 85% of current rates)

Present Bell Plan (2 year old cost for this work is $850)80% x $850 = $680	Green Shield Supplemental Plan (the actual cost of this work has gone up to $1,000)20% x $1,000 = $200
Current re-imbursement from Bell plan only = $680 out of $1,000. (in this example 68%) Re-imbursement using both plans = $880 out of $1,000. (in this example 88%)

EXAMPLE THREE (If the 2 year old rate is 95% of current rates)

Present Bell Plan (2 year old cost for this work is $950)80% x $950 = $760	Green Shield Supplemental Plan (the actual cost of this work has gone up to $1,000)20% x $1,000 = $200
Current re-imbursement from Bell plan only = $760 out of $1,000. (in this example 76%) Re-imbursement using both plans = $960 out of $1,000. (in this example 96%)

MAJOR SERVICES PLAN B
Benefits are the same as your Bell plan.

To illustrate, if your annual dental claim amount is $1,500 (based on current fee guide):

EXAMPLE ONE (If the 2 year old rate is 70% of current rates)

Present Bell Plan (2 year old cost for this work is $1050)50% x $1050 = $525	Green Shield Supplemental Plan (the actual cost for this work has gone up to $1,500)20% x $1,500 = $300
Current re-imbursement from Bell plan only = $525 out of $1,500. (in this example 35%) Re-imbursement using both plans = $825 out of $1,500. (in this example 55%)

EXAMPLE TWO (If the 2 year old rate is 80% of current rates)

Present Bell Plan (2 year old cost for this work is $1,200)50% x 1,200 = $600	Green Shield Supplemental Plan (the actual cost for this work has gone up to $1,500)20% x $1,500 = $300
Current re-imbursement from Bell plan only = $600 out of $1,500. (in this example 40%) Re-imbursement using both plans = $900 out of $1,500. (in this example 60%)

EXAMPLE THREE (If the 2 year old rate is 90% of current rates)

Present Bell Plan (2 year old cost for this work is $1,350)50% x $1,350 = $675	Green Shield Supplemental Plan (the actual cost for this work has gone up to $1,500)20% x $1,500 = $300
Current re-imbursement from Bell plan only = $675 out of $1,500. (in this example 45%) Re-imbursement using both plans = $975 out of $1,500. (in this example 65%)

NOTE: The maximum re-imbursement allowed under MAJOR services is $1,500 per plan. Therefore the maximum you can collect each year using both plans under major services is $3,000 per person per program year (July to July). Please remember, however, that BASIC services has no annual maximum and no deductible.