Health Coverage
Protection for you and your family for everyday health issues or when unforeseen problems occur.
CF Industries provides you with Flex Credits each year, based on your enrolled family status, for your health and dental coverage. Your Family Status is simply who you are enrolling under your health coverage: Single (employee-only), Employee + 1, or Family.
Credit Options
Flex Credits act as an allowance for health and dental spending each year. If necessary, you can choose a different Flex Credit allowance for your health coverage and your dental coverage. Excess Flex Credits can be taken as taxable cash through a bi-weekly payroll credit, and/or deposited into a Health Spending Account (HSA).
Annual Costs for Health Coverage
| If You Choose | Cost | Flex Credits | Difference |
|---|---|---|---|
| Option 1 | |||
| Single | $1,218 | $1,718 | $500 excess credits |
| Employee + 1 | $2,167 | $2,667 | $500 excess credits |
| Family | $3,445 | $3,945 | $500 excess credits |
| Option 2 | |||
| Single | $2,011 | $2,011 | $0 |
| Employee + 1 | $3,581 | $3,581 | $0 |
| Family | $5,691 | $5,691 | $0 |
Opt-Out of Coverage Credits
If you are covered under your spouse’s employer coverage or under your own private health plan, you may opt-out of CF Industries’ health coverages. If you choose to opt-out of both your health and dental coverage, you will receive Opt-Out Credits which serve the same function as Excess Flex Credits. Employees will receive $750 in Opt-Out Credits for health coverage, and $688 for dental coverage. Please note that opting out of the health plan requires proof of other coverage.
Health Options
CF partners with Sun Life to provide two options for health coverage through your employment:
| Benefits | Option One Coverage | Option Two Coverage |
|---|---|---|
| Prescription drugs* | 70% Includes smoking cessation and anti-obesity drugs (limits apply) Fertility up to a lifetime maximum of $2,500 |
100% Includes smoking cessation and anti-obesity drugs (limits apply) Fertility up to a lifetime maximum of $2,500 |
| Vision care* | Fixed benefit period renews every 2 years. The benefit period starts on 1/1/2025 and ends on 12/31/26. | |
| Vision care (contact lenses, eyeglasses or laser eye correction surgery)* | Benefit coverage is $75 per person every 12 months for individuals under age 19, or $300 per person every two benefit years for all others. | Benefit coverage is $300 per person every 12 months for individuals under age 19 or every two benefit years for all others. |
| Eye Exams (services of an ophthalmologist or licensed optometrist) | Annual Eye Exams are covered at 100% | |
| Psychologists, social workers, psychotherapists and clinical counsellors. Paramedical practitioners (e.g., chiropractic, podiatry, naturopathy, massage therapist, physiotherapist) |
70% to $3,500 maximum Psychologist/social worker $500 maximum All other practitioners |
100% to $3,500 maximum Psychologist/social worker $1,000 maximum All other practitioners |
| Medical services and equipment (e.g., orthotics) | 70% | 100% | Ambulance | 100% | 100% |
| Hospital | 70% Semi-private room |
100% Semi-private room |
| Hearing Aids | 100% to $1,000 maximum Every three years |
100% to $2,000 maximum Every three years |
| Private duty nursing | ||
| Fertility Treatment | ||
| Out-of-country medical | ||
*Sun Life will reimburse your prescription drug expenses up to the “lowest cost alternative”. Prior authorization may be required for some drugs. You can find a list of drugs by going to mysunlife.ca and selecting “prior authorization drug list and forms” from the “group benefits” menu at the top of the page.
**Vision coverage has a two-year fixed benefit period. The first two-year benefit period was from January 1, 2025, to December 31, 2026. Each subsequent two-year benefit period will begin after the end of a prior two-year benefit period. Vision coverage available for covered children up to age 19.