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1. February 2026 eNews

   In this issue:

   Save time and add protection — log in to your Equitable account with a passkey*
   New form offers a simpler way for clients to submit special claims*
   2026 dental fee guide updates*
   
   *Indicates content that will be shared with your clients.
    

   Save time and add protection — log in to your Equitable account with a passkey

    

   Passkeys offer an easier, faster way for you and your clients to log in to EquitableHealth.ca^®. They also add an extra layer of account protection.

    

   Easy set-up. Secure access.

    

   If you haven’t created a passkey yet – now is a great time. You can create one on both your computer and mobile device.

    

   When you set up a passkey on your mobile device, you’ll use biometrics –your face or fingerprint–to log in. This verifies your identity, so only you can access your account on your device.

    

   Setting up a passkey on your computer is slightly different. You may have more options to verify your identity, such as biometrics, a personal identification number (PIN) or a password.

   
   To learn more about  passkeys, visit Equitable.ca/effortless.

    

   You hold the ‘key’ to further protecting your account

    

   You’re the only one who can create passkeys. We can’t create them for you.

    

   The set-up process is quick and easy. The videos below guide you through creating a passkey on your mobile device and computer.
   
    

   
   
   If you use the same email address to log in to your accounts on EquitableHealth.ca, EquiNet^® and Equitable Client Access^®, you can use the same passkey. Equitable Client Access is our secure site for Individual Insurance and Individual Wealth clients.
   
    

   New form offers a simpler way for clients to submit special claims

    
   
   Equitable has simplified the special claim process for clients by introducing an interactive Special Claims Services form.
   
   
   The new form, which replaces our previous online calculator, automatically calculates the fees and taxes based on province, so clients can clearly see the total of a special claim – and how much they need to pay.
    

   What is a special claim?

    
   A plan sponsor can submit a claim for Special Claims Services – sometimes referred to as Cost Plus – to pay for a plan member’s health and dental expenses that are either not included or not covered in full by their group benefits plan.
   
   
   When submitting the claim, the plan sponsor also pays us for the cost of the expense, plus a service fee and taxes. Then, we reimburse the plan member or another designated payee.
   
   
   Anything eligible under a health-care spending account (HCSA) is eligible under Special Claims Services. Our HCSA list of eligible expenses matches the Canada Revenue Agency’s list of eligible medical expenses that can be claimed on a tax return.
   
   
   When a plan sponsor submits a special claim, there is no impact to the claims experience, pooling or taxes. Given that every situation is unique, however, the plan sponsor is responsible for consulting with an accountant on tax impacts and/or claim limitations that may apply.
   
   
   For more information on Special Claims Services, check out this brochure or email SpecialClaimsServices@equitable.ca.
    

   2026 dental fee guide updates

    
   Several Canadian dental associations have published their 2026 fee guides. We use these guides to help set benefits reimbursement limits for dental procedures.
   
   For your reference, here is the list of this year’s fee increases for general practitioners.
   
   Source: Canadian Life and Health Insurance Association (CLHIA) 2026 Dental Fee Increase Guide
   
   If you have any questions, please contact your Group Account Executive.
2. January 2026 eNews

   In this issue:

   Meet the next generation of myFlex Benefits® for small business
   Coming soon: A consistent login experience for Equitable Client Access® and EquitableHealth.ca®
   QDIPC updates terms and conditions for 2026*

   *We will share this content with your clients.

    

   Meet the next generation of myFlex Benefits® for small business

   
   Discover the newly enhanced myFlex Benefits®— Equitable’s game-changing solution for small businesses that now includes more flexible, affordable coverage options shaped by advisor feedback.

    

   Join our virtual session to see how myFlex Benefits can help your clients grow and thrive.
   
    

   Webinar: How to grow your block with flexible solutions
   Tuesday, Feb. 3 | 10–11 a.m. PT / 1–2 p.m. ET
   Register here

    

   The session will be held in English only.

    

   Coming soon: A consistent login experience for Equitable Client Access and EquitableHealth.ca

    

   Starting this month, users logging in to Equitable Client Access®, the secure website for our Individual Insurance and Wealth clients, will need to enter their email address instead of a username. This change will make the Client Access login experience easier and even more secure.

    

   Streamlining the login experience for group benefits clients

    

   When this change takes effect, clients who use the same email address to log into Client Access and EquitableHealth.ca will use one password for both sites.

    

   If a client updates their password on one site, the password for the other site will also automatically update—so they’ll always use the same credentials for both platforms.
    

   Clients who can’t remember the email address we have on file can click ‘Forgot email’ on the Client Access login page.

    

   For added security, a client logging into Client Access may be prompted to enter a one-time code that’s sent to them via email before they can log in.

    

   We will inform clients who have Client Access and EquitableHealth.ca accounts about these changes via email.

    

   Safer, simpler account access

    

   Logging in doesn’t need to include a password. Clients can save time logging in to Client Access and EquitableHealth.ca by creating a passkey.

    

   Passkeys use a person’s face or fingerprint to quickly authenticate their identity – adding an extra layer of protection to their account and eliminating the need to enter a password. And by logging in to the Client Access site with a passkey, clients won’t be asked to enter a one-time code.

    

   Creating a passkey is easy. The following video shows group benefits clients how to create a passkey to log in to EquitableHealth.ca.

    

   Clients who use the same email address to log into Client Access and EquitableHealth.ca will be able to use the same passkey to access both sites. If someone has registered for both sites with different email addresses, they’ll need to create separate passkeys.

    

    

   QDIPC updates terms and conditions for 2026

    

   Every year, the Quebec Drug Insurance Pooling Corporation (QDIPC) reviews the terms and conditions for the high-cost pooling system in the province. Based on its latest review, QDIPC is revising its pooling levels and fees for 2026 to reflect trends in the volume of claims submitted to the pool, particularly catastrophic claims. We will apply the new pooling levels and fees to future renewal calculations that involve Quebec plan members.

    

   Please note: QDIPC plans to redefine its group sizes in 2027. For more information on how group sizes will change in 2027, visit QDIPC's Terms and Conditions of Pooling.
   
   
   If you have any questions, please contact your Group Account Executive.

3. [pdf] What's New July 6 2017
4. Tax impacts of the Canadian Dental Care Plan for your clients

   Tax impacts of the Canadian Dental Care Plan for your clients*

   
   Earlier this year, the government shared its progress on the Canadian Dental Care Plan (CDCP). 
   
   The CDCP will be available to Canadians with an annual family income of less than $90,000 who do not have dental benefits. Co-pays will be waived for eligible Canadians with a family income of less than $70,000. 
   
   Canadians who have access to private dental coverage are not eligible for the CDCP. This means that your clients must now report on T4s/T4As if dental coverage** was available on December 31 of the reporting tax year for:
   • Employees,
   • Employees’ spouses and/or dependents,
   • Former employees, and
   • Spouses of deceased employees.
   **Potential dental coverage includes Health Care Spending Accounts.
   
   This new tax reporting requirement is mandatory starting with the 2023 tax year. Employee tax slips will include new boxes for employers to complete:
   • Box 45 (T4): Employer Offered Dental Benefits. This new box will be mandatory.
   • Box 015 (T4A): Payer Offered Dental Benefits. This new box will be mandatory if plan sponsors report in Box 016, Pension or Superannuation. The box will otherwise be optional.
   Your clients should complete the boxes using the code system below. They should choose the appropriate code based on whether Dental coverage was available to the plan member – not whether the plan member has chosen to participate in the coverage.  For example, if a plan member has waived coverage or has chosen not to participate in the plan, they would still have access to coverage.
   • Code 1: The plan member has no access to dental care insurance or coverage of dental services of any kind.
   • Code 2: Only the plan member has access to any dental care insurance, or coverage of dental services of any kind.
   • Code 3: The plan member, their spouse and their dependents have access to any dental care insurance, or coverage of dental services of any kind. 
   • Code 4: Only the plan member and their spouse have access to any dental care insurance, or coverage of dental services of any kind. 
   • Code 5: Only the plan member and their dependents have access to any dental care insurance, or coverage of dental services of any kind. 
   Your clients can find further information about completing tax slips for employees on the Canada Revenue Agency’s website:
   • T4
   • T4A

   Reports for dependents

   We have a report available for plan members who have enrolled their dependents in benefits coverage. Your clients can contact their local service team representative to receive a copy of the report. We are working to make it available on our Advisor and PA websites.
    

   Questions

   For guidance on your tax slips and reporting obligations, please encourage your clients to contact their accountant, payroll provider or tax advisor.
    

   Supporting plan members affected by the Israeli-Palestinian conflict*

   
   Traumatic events continue to unfold in the Middle East. Enduring ongoing news of conflict and suffering could challenge many Canadians. During this difficult time, Equitable encourages affected clients and plan members to access the mental health support they need. 

   
   Support available to all Equitable plan members

   Large-scale traumatic news events can cause people to experience intense reactions. This puts a lot of strain on their mental health. Having coping mechanisms to deal with the current crisis can be a huge help. Any Equitable Life plan member who needs mental health support can visit Homeweb.ca/equitable to access online resources or contact Homewood at 1.888.707.2115.  
    

   Support available to plan members with the Homewood Health EFAP

   For your clients that have purchased Homewood Health’s Employee and Family Assistance Program (EFAP), remind them that their plan members also have access to confidential counselling services. The EFAP provides plan members with 24/7 access to confidential counselling through a national network of mental health professionals. Whether it’s face-to-face, by phone, email, chat or video, plan members and their dependent family members will receive appropriate, timely support for the issue they’re dealing with. 
     

   Questions? 

   If you need more information, contact your Group Account Executive or myFlex account executive.
   
   *Indicates content that will be shared with your clients. 
5. Equitable and Cloud DX
6. [pdf] Policy summary premium error
7. MER + TER = FER: what it means for clients
8. National Pharmacare (Plan NP) takes effect in B.C. on March 1

   In this issue:

   National Pharmacare (Plan NP) takes effect in B.C. on March 1

   Travel coverage details plan members should know if they’re in or going to Mexico*

   *Indicates content we will share with your clients.

    

    

   National Pharmacare (Plan NP) takes effect in B.C. on March 1

    

   The Province of British Columbia (B.C.) will implement the first phase of the National Pharmacare Act, also known as Bill C64 (Act), on March 1, 2026.

    

   The new program will be called National Pharmacare (Plan NP). The province joins Manitoba and Prince Edward Island, who have already implemented the first phase of their own programs. All three provinces, along with Yukon, signed bilateral pharmacare agreements with the federal government last year.

    

   National Pharmacare (Plan NP) coverage details

    

   The federal government has agreed to provide universal coverage for many diabetes drugs and contraceptives, including deductibles, during the first phase of implementation of the Act. Equitable will no longer cover drugs that are eligible for coverage under Plan NP.

    

   Diabetes devices and supplies are not included in the first phase of plan implementation. However, expanded coverage for certain diabetes-related devices and supplies is expected to begin in B.C. on April 1, 2026.

    

   Since B.C. already offers universal coverage of contraceptives through its provincial pharmacare program, the province is using that portion of the federal funding to cover menopausal hormone therapy (MHT), also called hormone replacement therapy (HRT).

    

   Many diabetes medications such as metformin, insulin, sulfonylureas and SGLT-2 inhibitors will be fully covered under Plan NP.

    

   Some diabetes medications and MHTs will only be partially covered when the program takes effect. As well, many diabetes medications will continue to require Special Authority through the province.

   
   
   What will Equitable plan members need to do?

    

   Coverage will be provided automatically at the pharmacy counter. Plan members simply need to present a prescription for a covered medication and their Medical Services Plan of B.C. (MSP) card to their pharmacist. If a plan member isn’t fully enrolled in the MSP yet, their pharmacist will help them secure coverage under Plan NP.

    

   The pharmacist will charge the provincial plan directly for the relevant medications. There will be no direct impact to plan members or their experience at the pharmacy for fully covered drugs.
    

   Where do GLP-1 drugs fit in?

    

   GLP-1 agonist drugs will not be covered under Plan NP. Equitable plan members who are prescribed this type of drug to treat diabetes must try a first-line diabetic treatment before we can deem them eligible for coverage of the GLP-1 agonist.

    

   Plan members who are already taking a GLP-1 agonist to treat diabetes will continue to be eligible for coverage. New plan members or plan members with new prescriptions for GLP-1 agonists must provide us proof that shows they’ve tried a first-line diabetic treatment to confirm eligibility—unless we already have a previous record of their insulin use. Proof can be either a past receipt or a claim statement.

    

   Our priority is supporting the best outcomes for plan sponsors and their members. We are working with TELUS Health, our pharmacy benefits manager, to keep you updated as more details become available.

    

   Travel coverage details plan members should know if they’re in or going to Mexico

    

   Plan members with Travel Assist medical emergency coverage included in their benefits plan should keep the following information in mind if they’re planning travel to Mexico or if they’re in the country now.

    

   Due to recent violence in Mexico, the Government of Canada has issued the following travel advice to anyone in or planning to visit the country.

    

   Plan members are not covered if they receive out-of-province services where the Canadian government had issued a warning to avoid all or non‑essential travel before they entered the country.

    

   Plan members should contact Trident Global Assistance, the company that administers our Travel Assist benefits, before departing if they have questions about their coverage or to confirm if they’re covered for travel to their specific destination.

    

   Here’s how plan members can reach the Trident Global Assistance toll-free 24-hour emergency hotline:
    

   • In Canada or the U.S: 1-800-321-9998

   • Elsewhere: Call collect at 519-742-3287

      

   They should be prepared to provide the following information:

   • Name

   • Group policy number

   • Certificate number

   • Government health insurance plan number

      

   If a plan member arrived in Mexico before the travel advisory was issued and are past their day allowance, they should call Trident if they need to have their day maximum extended past the allowable period. 

    

   Equitable’s Travel Assist medical emergency coverage does not include any trip cancellation or trip interruption benefits.

    

   Communicating to plan members

    

   We are making every effort to share this information with affected plan members. Please encourage your clients who have Travel  Assist coverage included in their benefits plan to share this message with their plan members.

9. [pdf] Activate your group benefits account
10. [pdf] Equitable's Competitive Advantage