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Dialogue Virtual Healthcare now available to add to Equitable Life benefits plans

We’re pleased to announce we are partnering with Dialogue, Canada’s leading virtual health provider, to offer unlimited and on-demand virtual access to primary healthcare practitioners.

Virtual Healthcare is the latest addition to our HealthConnector suite of health and wellness services. It is available to add to all Equitable Life benefits plans for an additional cost as of July 1, 2023.

Features of Dialogue Virtual Healthcare
Available 24/7, 365 days a year, Dialogue Virtual Healthcare provides access to unlimited non-urgent medical care for a wide range of health concerns. Plan members get fast access to the largest, most experienced and bilingual medical team in Canada for non-urgent medical issues. They also benefit from in-app prescription renewals and refills, personalized follow-ups after every consultation, and concierge-level navigation support for all referrals to in-person specialists when needed.

Dialogue’s industry-leading platform provides an all-in-one patient journey to address health issues, reducing long wait times and time away for doctor appointments. Plan members and their families can access Dialogue Virtual Healthcare through the secure web portal or mobile app. The Dialogue medical team includes doctors, nurse practitioners and nurses. Plan members can use the service even if they’re already receiving care from a family doctor.

Benefits of Virtual Healthcare

For your clients
By providing access to Virtual Healthcare, plan sponsors can help to:

Drive employee engagement;
Reduce absenteeism related to in-person medical appointments;
Manage chronic health issues;
Attract and retain top talent; and
Build a healthier workforce.

For their plan members
By providing easier access to primary healthcare practitioners, Virtual Healthcare can offer extra health and wellness support for plan members. It also supports members that may experience barriers to accessing in-person healthcare, such as:

Living in a remote location;
Work or family obligations during standard medical clinic hours;
Mobility challenges related to a disability; and
Transportation challenges.

Learn more about bringing Dialogue Virtual Healthcare to your clients
Click the link to learn more about Dialogue Virtual Healthcare : Welcome to Dialogue!

Questions?
To learn more about how your clients can add Virtual Healthcare to their benefits plan, please contact your Group Account Executive or myFlex Sales Manager.

Flexibility for a client’s ever-changing life
Term life insurance offers full and partial conversion options to meet changing needs

Life is always changing—whether a client is buying their first home, welcoming a new baby, or sending the kids off to college. While most clients think of term life insurance as a solution to meet a temporary need, they don’t necessarily consider the power of term conversion options to meet their future needs.

Full and partial conversion options can help meet a client’s needs as their life journey and insurance needs change, without having to provide proof of continued good health.

Full conversion:
• With full conversion, clients can convert all of their term coverage from their policy or rider to permanent life insurance. This allows the client to lock in a level premium rate for life.

Partial conversion:
• With a partial conversion, clients can convert a portion of their term coverage from their policy or rider to a permanent plan. This allows them to help cover off both a short-term need and also provides lifetime protection.

Did you know?
Our partial conversion with a term rider carryover is now more flexible than ever. Read more about it here!

For more information, please consult the Equitable Term Life insurance admin guide.
[pdf] Advisors Edge Insurance for Children Article
Stay connected with a NEW Web Illustration tool for Equimax
Equitable Life^® is pleased to announce the launch of our web illustration tool starting with Equimax® participating whole life insurance.

This web illustration tool for Equimax is another way that Equitable Life is modernizing your experience and allowing you more flexibility to keep your business going while you’re on the road or meeting clients. This new illustration site is accessible on a web browser, so you can access it from a mobile device such as your phone, tablet, or iPad, and with MAC or Windows-based PCs or laptops.

Access the new web illustration tool for Equimax by logging in to EquiNet^® and clicking the button in the ribbon called Sales Illustration that now has a Web Illustrations option. Note that you have the option to continue running Equimax illustrations in the desktop illustration software, as it remains unchanged at this time.

For future enhancements, we plan to integrate with EZcomplete^®, to continue to make it easy to do business with Equitable Life.

Visit the New Web illustration tool for Equimax^_® now.

Questions? Please see our FAQ or contact your Regional Sales Manager.

_{^® denotes a trademark of The Equitable Life Insurance Company of Canada}
Easier than ever with Equitable and EZtransact Equitable^® keeps improving our digital self-serve tool, EZtransact^®. Our latest enhancements make it easier than ever to do business with us.

What's new?
Dollar cost averaging transaction
- Advisors can now submit new dollar cost averaging requests through the Fund Switch transaction in EZtransact. A new recurring switch type is available.
- When submitting a new request, you'll need to enter the amount, frequency, date of transfers, and the funds involved.
- If a client has an active request, you can change the amount, frequency, date, and funds.
- After you submit the request, the client will get an email to sign. Once they e-sign, the request goes directly to Equitable.
Other recent enhancements include:
- Segregated fund withdrawals and fund transfers
- New dashboard for client search, transaction management enhancements and signing process improvements
See what advisors are saying about our updates and advance your sales process with EZtransact. If you have questions, contact your Director, Investment Sales.

Date posted: December 11, 2024
Path to Success Module 2

February 2020 Advisor eNews

In this issue:

Provincial biosimilar update
Legislative changes for Alberta’s Coverage for Seniors program
Coming soon: enhancements to Equitable EZClaim® Online

Provincial biosimilar update

Alberta Biosimilar Initiative

On December 12, 2019, the Alberta government introduced the launch of the Alberta Biosimilar Initiative. This program will require patients using several originator biologic drugs to switch to a biosimilar, and patients using a non-biologic complex drug (NBCD) to switch to its subsequent entry version before July 1, 2020 in order to maintain coverage.

Biologics are drugs that are engineered using living organisms like yeast and bacteria. The first version of a biologic developed is also known as the “originator” drug. Biosimilars are highly similar to the originator drug they are based on and have been shown to have no clinically meaningful differences in safety or efficacy.

Alberta Health will initially cover both the originator and biosimilar or subsequent entry version of a NBCD drug as patients start the switching process.

The following table outlines the affected originator drugs, their biosimilars or subsequent entry, and the conditions affected by the program.

Biosimilar Drug	Originator	Biosimilar/Subsequent Entry	Indications Affected
etanercept	Enbrel	Brenzys	Ankylosing Spondylitis Rheumatoid Arthritis
etanercept	Enbrel	Erelzi	Ankylosing Spondylitis Psoriatic Arthritis Rheumatoid Arthritis
infliximab	Remicade	Inflectra Renflexis	Ankylosing Spondylitis Plaque Psoriasis Psoriatic Arthritis Rheumatoid Arthritis Crohn’s Disease Ulcerative Colitis
insulin glargine	Lantus	Basaglar	Diabetes (Type 1 and 2)
Filgrastim	Neupogen	Grastofil	Neutropenia
pegfilgrastim	Neulasta	Lapelga	Neutropenia
glatiramer*	Copaxone	Glatect	Multiple Sclerosis

*Glatiramer is a non-biologic complex drug where the originator is Copaxone and the subsequent entry is Glatect.

Equitable Life is actively investigating the benefit, risk and appropriate plan changes associated with this new policy on private drug plans and will keep you informed.

For more information about the Alberta Biosimilars Initiative, consult the Alberta government website.

British Columbia

In 2019, BC Pharmacare introduced a Biosimilars Policy that impacted coverage of three biologic drugs – Remicade, Enbrel and Lantus. As of November 25, 2019, these drugs were no longer eligible in BC for most conditions for which lower cost biosimilar versions are available. Patients in the province with these conditions were required to switch to biosimilar versions of these drugs in order to maintain their coverage.

The second phase of the BC Biosimilar Policy takes effect March 6, 2020 when Remicade will be delisted for Crohn’s Disease and Ulcerative Colitis. Patients in the province with these conditions will be required to switch to Inflectra or Renflexis in order to maintain their coverage.

Biosimilar Drug	Originator	Biosimilar	Indications Affected
infliximab	Remicade	Inflectra Renflexis	Crohn’s Disease Ulcerative Colitis

We have communicated with the affected plan members, informing them of the need to switch medications. If plan members have any questions or concerns, our Customer Care team is here to help and support them through the transition.

If you have any questions about this policy, please contact your Group Account Executive or myFlex Sales Manager.

Ontario

In November 2019 Ontario Minister of Health Christine Elliot indicated that the government was planning to launch consultations to explore solutions in managing biologics.

Equitable Life will continue to monitor these developments and keep you informed of any impact on private drug plans.

Legislative changes for Alberta’s Coverage for Seniors program

The government of Alberta has announced that as of March 1, 2020, seniors’ family members (such as spouses and dependents) who are younger than 65 will no longer be covered by the provincial Coverage for Seniors program. Albertans 65 years of age and older will continue to be covered under the provincial plan.

Equitable Life plan members and their dependents will continue to be covered under the parameters of their group benefits plan.

For more information, please see the Alberta Seniors Health Benefits website.

Coming soon: enhancements to Equitable EZClaim^® Online

Faster vision claims processing and payment

Equitable Life will soon provide real-time processing of vision claims submitted via EZClaim Online.

This means plan members will be able to find out the status of their vision claim almost instantaneously. And, for approved claims, they will receive payment even sooner – often in as little as 24 hours.

In order to allow for instantaneous processing and faster payment, plan members will be prompted to enter some additional information including the practitioner’s name, the date of the expense, the type of expense and amount of the expense when submitting their claims for these services.

Equitable Life plan members can submit all vision claims via EZClaim, including coordination of benefits and Health Care Spending Account claims.

This enhancement will be coming to our EZClaim Mobile app in the coming months.

New printable claims extract

As part of our ongoing efforts to improve customer experience for plan members, we will also offer a claims extract in a printable format within the plan member site. Plan members will be able to select a date range and claimant, then generate and download a detailed list of health and dental claims. This is a helpful way to keep track of claims, especially when reviewing them in preparation for income tax filing.

Once these enhancements are live you will be notified in an eNews, and an announcement will be posted on the plan member section of EquitableHealth.ca.

Elimination of Out-of-Country Travellers Program in Ontario

Effective January 1, 2020, the Ontario government eliminated OHIP coverage for emergency services for Ontarians travelling outside of Canada.

Previously, the Out-of-Country Travelers Program provided some reimbursement for services required to treat conditions that are acute, unexpected, arose outside Canada and require immediate treatment. The program covered between $200 and $400 per day for inpatient services and $50 per day for outpatient and doctor services.

For groups who have out-of-country coverage from Allianz, this change will not impact the cost to your plan members, or the process plan members follow in the event of an emergency while travelling.

Plan members should still call Allianz in the event of an out of country emergency. Allianz will deal with their claim as usual and will now pay for the portion of the claim previously paid by OHIP. Plan members will not have any additional out-of-pocket costs.

We will be sharing this information with plan members as a news item on our plan member website, equitablehealth.ca.