Medical 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 medical 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 medical and dental spending each year. If necessary, you can choose a different Flex Credit allowance for your medical 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 | $787 | $1,287 | $500 excess credits |
| Employee + 1 | $1,401 | $1,901 | $500 excess credits |
| Family | $2,227 | $2,727 | $500 excess credits |
| Option 2 | |||
| Single | $1,300 | $1,300 | $0 |
| Employee + 1 | $2,315 | $2,315 | $0 |
| Family | $3,679 | $3,679 | $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’ medical coverages. If you choose to opt-out of both your medical 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 medical coverage, and $688 for dental coverage. Please note that opting out of the medical plan requires proof of other coverage.
Health Options
CF partners with Sun Life to provide two options for medical 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 two years starting January 1, 2022 | |
| Eye exams, eyeglasses, contacts, laser surgery | $75 Every two years for adults, every year for children |
$300 Every two years for adults, every year for children |
| Paramedical practitioners (e.g., chiropractic, podiatry, naturopathy), family practitioner | 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% |
| 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 | Every three years |
|
| 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 fixed benefit period that begins on January 1, 2022 and renews every two years. Vision coverage ends for any covered dependent(s) at the age of 19.