A&S Group & Business A&S Plans question: works for a Halifax software company

A&SGroup & Business A&S Plans

Lena, 37, works for a Halifax software company that switched group health insurers on 1 July, with the new plan starting within 31 days of the old one ending. By June she had already met her $100 annual deductible under the old plan, which uses the same calendar year. She submits a prescription claim in August. What applies under the new plan?

A A new $100 deductible to pay again
B A $200 deductible to make up for it
C Credit for the deductible she met
D No coverage at all for the year

Show the answer and explanation

Answer: C. Credit for the deductible she met

Where a replacement group contract is entered into within 31 days, every person insured under the old contract and insured under the replacement is entitled to credit for any deductible earned before the replacement's effective date. Source: Insurance Act (BC), RSBC 2012, c. 1, s. 116(4)(b) (current to 6 Oct 2026; as at 12 Oct 2026); the other common-law provinces' Insurance Acts have the same uniform provision.

Common mistake

Charging a second deductible after a group plan change.

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Original study material mapped to the public CISRO curriculum; not a real test question.Not affiliated with CISRO, CCIR or any provincial insurance regulator. Verify figures and rules against current guidance before relying on them.