Article by Kate Robertson, Lift News
Sun Life Financial Inc. is Canada’s first major insurance company to offer coverage for medical cannabis to those with group benefits plans. Starting March 1, plan administrators can add medicinal marijuana coverage to extended health care plans.
It’s a sign that mainstream attitudes are opening up to cannabis’s medicinal applications. But for consumers who are currently using it to treat ailments and symptoms, getting reimbursed for medical cannabis is not just a matter of saving up receipts and filing a claim through your group benefits plan.
Here’s what you need to know:
Your Sun Life plan administrator will have to request coverage
This means if you haven’t already, you will have to tell your plan administrator that you are using medical cannabis for treatment. Concealing your medical cannabis use from your employer could present grounds for termination if there is a zero tolerance policy in your workplace. However, employers have a “duty to accommodate” employees with special needs, otherwise they could face allegations of discrimination. Your employer could have more questions for you and your doctor about your medical cannabis treatment plan, so be prepared.
You will have to qualify for coverage based on Sun Life’s criteria
Once your plan administrator has requested coverage, you’ll have to fill out a prior approval form, which will be assessed by Sun Life before you can make any claims.
Not all conditions are eligible for coverage
“There is a slowly growing body of clinical research for the medical uses of cannabis,” reads the memo from Sun Life. “For this reason, Sun Life will conduct periodic reviews of evolving clinical evidence, supporting the use of medical cannabis for conditions listed below.”