Join this month for the chance to win an e-bike courtesy of belairdirect. Learn more
Attend a free online retirement planning workshop. Register
Join this month for the chance to win an e-bike courtesy of belairdirect. Learn more
Attend a free online retirement planning workshop. Register
RTOERO's plans are group insurance — if you have health insurance through your employer, it's group insurance as well. Group health plans are for larger groups, which reduces the risk by spreading it across a wide number of plan participants. Individual insurance products are purchased directly from an insurance company. Learn more about the difference between group and individual insurance and how RTOERO's coverage is unique.
Immediate family members should first fill out the membership application form to become an RTOERO member, then apply to the Entente Group Insurance Plan.
A medical questionnaire is not required if they apply within 60 days of terminating a group health insurance plan, or if they are already enrolled in one and adding RTOERO’s Entente Plan as a supplementary plan. Learn more about insurance.
Individuals who have not had group insurance coverage in the 60 days prior to their application, will need to qualify medically. Learn about the late applicant process.
No action is required to continue coverage for your eligible dependents.
Coverage for dependent children under your family/couple plan remains unchanged. Dependent children are eligible as a dependent on your plan up to age 21, or age 30 if they are a full-time student.
The immediate family members eligibility allows RTOERO members' immediate family to purchase their own coverage where they are the policyholder. For example, if your dependent exceeds age 21 and is not a full-time student; or exceeds age 30. This change also allows adult grandchildren to purchase their own insurance plan.
Some people consider entering retirement without purchasing additional medical insurance. This is a risk — unexpected events can be costly. Here’s an example of additional expenses that aren’t generally covered by government plans:
The benefits included in our plans are based on what our members have needed at all stages of retirement. We’ve learned that it’s hard for individuals to predict what they might need when they’re making insurance decisions as they’re retiring. That’s why we use data and member input to design plans that provide the best value to our members throughout their retirement journey.
Input from members and usage data are used to made decisions about what to include in our plans. For example, the prescription drug maximum is based on historical data of what members have actually used. Our plans are completely customized to the needs of our members.
We gather feedback from all members through regular surveys. 90 per cent give top ratings to our health plans.
The best way to avoid missing fee payments is to set up automatic withdrawals from your bank account. If you ever do miss a payment, we will contact you before doing anything with your insurance.
We offer our non-profit group insurance as a service for our members. The size and stability of our membership base lets us negotiate additional discounts and privileges for our members. We have a number of members who don’t yet need insurance, but who join for the other benefits we offer. You can become a member at the same time as completing your insurance application—it’s a one-step process.
The membership fee is waived for all participants of the Entente Group Insurance Program - so you will not be charged a membership fee.
Yes! We have a late application process you can follow.
If you lose your benefits card, you can get a replacement by contacting us – 1-800-361-9888 or insurance@rtoero.ca. If you are just joining the benefits plans, your new card – and more information – will be mailed to you.
Call 1-800-361-9888 or email insurance@rtoero.ca. We’re here to help!
Yes. If you're working in the education sector in Canada but don't have benefits, you are eligible to apply for our plan. Learn more.