{"id":6007,"date":"2020-05-15T15:20:06","date_gmt":"2020-05-15T19:20:06","guid":{"rendered":"https:\/\/www.eckler.ca\/?p=6007"},"modified":"2021-05-25T15:23:28","modified_gmt":"2021-05-25T19:23:28","slug":"actualiteac-extra-mai-2020","status":"publish","type":"post","link":"https:\/\/www.eckler.ca\/fr\/actualiteac-extra-mai-2020\/","title":{"rendered":"Actualit\u00e9AC Extra<\/i> – Mai 2020"},"content":{"rendered":"

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Exp\u00e9rience des r\u00e9gimes de soins de sant\u00e9 et dentaires en p\u00e9riode de pand\u00e9mie de COVID-19<\/span><\/h1>\n

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\u00c0 quoi ont d\u00fb faire face les r\u00e9gimes de soins de sant\u00e9 et dentaires ces derniers temps et \u00e0 quoi s\u2019attendre pour l\u2019avenir?<\/em><\/span><\/h2>\n

Faits saillants <\/span><\/h3>\n
    \n
  • Secteur de l\u2019assurance\u00a0:<\/strong> de fa\u00e7on g\u00e9n\u00e9rale, l\u2019industrie a r\u00e9agi promptement \u00e0 la crise, implantant des mesures de support touchant, entre autres\u00a0: l\u2019assurance voyage, les r\u00e8gles d\u2019\u00e9ligibilit\u00e9 \u00e0 l\u2019invalidit\u00e9 de courte dur\u00e9e, les couvertures d\u2019assurance pour les participants en mise-\u00e0-pied temporaire et, dans certains cas, une r\u00e9duction des primes d\u2019assurance requises;<\/li>\n
  • Exp\u00e9rience r\u00e9cente\u00a0:<\/strong> une \u00e9tude effectu\u00e9e parmi nos clients auto-assur\u00e9s d\u2019envergure a d\u00e9montr\u00e9 une diminution significative des r\u00e9clamations pour soins de sant\u00e9 et dentaires au cours du dernier mois, tel qu\u2019illustr\u00e9 ci-dessous\u00a0:<\/li>\n<\/ul>\n

    [\/vc_column_text][vc_empty_space height=”25px”][vc_table][bg#a5d8d3;b]P%C3%A9riode%20de%20r%C3%A9f%C3%A9rence,[bg#a5d8d3;b;align-center]Soins%20de%20sant%C3%A9,[bg#a5d8d3;b;align-center]Soins%20dentaires|De%20f%C3%A9vrier%20%C3%A0%20mars%202020,[align-center]Jusqu%E2%80%99%C3%A0%205%20%25%20de%20hausse,[align-center]R%C3%A9duction%20de%2025%20%25%20%C3%A0%2030%20%25|De%20mars%20%C3%A0%20avril%202020,[align-center]Jusqu%E2%80%99%C3%A0%2040%20%25%20de%20r%C3%A9duction,[align-center]R%C3%A9duction%20de%2080%20%25%20%C3%A0%2090%20%25[\/vc_table][vc_column_text]<\/p>\n

    Contexte<\/span><\/h3>\n

    Cela fait maintenant presque deux\u00a0mois que les provinces du Canada ont mis en place un \u00e9ventail de restrictions visant une large gamme d\u2019entreprises et d\u2019activit\u00e9s afin d\u2019aider \u00e0 \u00ab\u00a0aplanir la courbe\u00a0\u00bb du nombre de personnes infect\u00e9es \u00e0 la COVID-19. Les gouvernements commencent maintenant \u00e0 all\u00e9ger les restrictions et \u00e0 permettre \u00e0 certaines entreprises de reprendre leurs activit\u00e9s. Les mesures d\u2019\u00e9loignement social ont \u00e9galement \u00e9t\u00e9 att\u00e9nu\u00e9es.<\/p>\n

    Le secteur de l\u2019assurance a aussi \u00e9t\u00e9 touch\u00e9 par ces restrictions et a rapidement r\u00e9agi, de fa\u00e7on g\u00e9n\u00e9rale, aux difficult\u00e9s auxquelles ont \u00e9t\u00e9 confront\u00e9s les promoteurs de r\u00e9gimes d\u2019avantages sociaux collectifs. Voici quelques-unes des mesures prises\u00a0:<\/p>\n

      \n
    • R\u00e9duction des restrictions relatives aux voyages \u00e0 l\u2019\u00e9tranger pour les participants incapables de revenir au Canada;<\/li>\n
    • Modification des p\u00e9riodes d\u2019attente et des processus d\u2019\u00e9valuation en ce qui concerne les demandes de r\u00e8glement pour invalidit\u00e9 de courte dur\u00e9e en raison de la COVID-19;<\/li>\n
    • \u00c9largissement des dispositions qui s\u2019appliquent au maintien de la couverture des participants qui ont \u00e9t\u00e9 temporairement mis \u00e0 pied;<\/li>\n
    • Plus grande souplesse relativement \u00e0 l\u2019acceptation des rendez-vous virtuels avec certains fournisseurs, comme les physioth\u00e9rapeutes;<\/li>\n<\/ul>\n

      R\u00e9duction des primes des polices enti\u00e8rement assur\u00e9es pour les soins de sant\u00e9 et dentaires afin de tenir compte du nombre moins \u00e9lev\u00e9 de demandes de r\u00e8glement en raison d\u2019un acc\u00e8s limit\u00e9 \u00e0 un grand nombre de services.<\/p>\n

      Donn\u00e9es r\u00e9centes<\/span><\/h3>\n

      Eckler suit de tr\u00e8s pr\u00e8s l\u2019exp\u00e9rience de r\u00e9clamation de plusieurs de ses gros clients \u00e0 travers le Canada dont les r\u00e9gimes de soins de sant\u00e9 et dentaires sont autoassur\u00e9s. Derni\u00e8rement, nous avons examin\u00e9 les tendances en mati\u00e8re de demandes de r\u00e8glement jusqu\u2019\u00e0 la fin d\u2019avril\u00a02020 et nous avons not\u00e9 plusieurs \u00e9l\u00e9ments similaires d\u2019un preneur \u00e0 l\u2019autre dans ce segment de notre client\u00e8le\u00a0:<\/p>\n

      Mars\u00a0: <\/strong><\/span><\/h4>\n

      La valeur totale des demandes de r\u00e8glement qui ont fait l\u2019objet d\u2019un remboursement au titre de r\u00e9gimes de soins de sant\u00e9 compl\u00e9mentaires \u00e9tait jusqu\u2019\u00e0 5\u00a0% plus \u00e9lev\u00e9e que celle qui a \u00e9t\u00e9 enregistr\u00e9e en f\u00e9vrier, et ce, pour les raisons suivantes\u00a0:<\/p>\n

        \n
      • Le nombre de demandes concernant des m\u00e9dicaments sur ordonnance a augment\u00e9 \u00e9tant donn\u00e9 que certains participants ont fait des provisions de leurs m\u00e9dicaments d\u2019entretien;<\/li>\n
      • Cette hausse a \u00e9t\u00e9 partiellement mitig\u00e9e par la diminution des r\u00e9clamations autres que pour des m\u00e9dicaments \u00e0 compter de la deuxi\u00e8me moiti\u00e9 du mois;<\/li>\n<\/ul>\n

        En g\u00e9n\u00e9ral, le montant des remboursements pour soins dentaires a diminu\u00e9 de 25 \u00e0 30\u00a0% entre f\u00e9vrier et mars.<\/p>\n

        Avril\u00a0: <\/strong><\/span><\/h4>\n

        Dans l\u2019ensemble, le montant des r\u00e9clamations pour soins de sant\u00e9 a baiss\u00e9 jusqu\u2019\u00e0 40\u00a0% par rapport au mois de mars, et ce, pour les raisons suivantes\u00a0:<\/p>\n

          \n
        • Les r\u00e9clamations pour des m\u00e9dicaments sur ordonnance ont diminu\u00e9 de 20 \u00e0 30\u00a0%;<\/li>\n
        • Les r\u00e9clamations autres que pour des m\u00e9dicaments ont diminu\u00e9 de 50 \u00e0 70 %.<\/li>\n<\/ul>\n

          Le montant des remboursements pour soins dentaires a chut\u00e9 de 80 \u00e0 90\u00a0% comparativement au mois de mars, \u00e9tant donn\u00e9 que les traitements dentaires \u00e9taient limit\u00e9s aux urgences.<\/p>\n

          Que nous r\u00e9serve l\u2019avenir?\u00a0<\/span><\/strong><\/p>\n

          Alors que les provinces amorcent la mise en \u0153uvre de leurs plans de d\u00e9confinement, il est probable que les praticiens param\u00e9dicaux et les dentistes mettent tout en \u0153uvre afin de trouver des moyens s\u00e9curitaires et appropri\u00e9s de commencer \u00e0 traiter leurs patients. \u00c9tant donn\u00e9 les d\u00e9fis que repr\u00e9sente l\u2019approvisionnement en \u00e9quipement de protection individuelle\u00a0\u2013 \u00e9quipement particuli\u00e8rement important pour les dentistes\u00a0\u2013 et la nouvelle norme concernant les protocoles relatifs \u00e0 l\u2019\u00e9loignement physique, nous devrions voir une reprise graduelle des services avec un nombre de demandes inf\u00e9rieur \u00e0 celui qu\u2019il \u00e9tait avant la COVID-19. Par cons\u00e9quent, nous nous attendons \u00e0 ce que le \u00ab\u00a0rattrapage\u00a0\u00bb potentiel des demandes de r\u00e8glement pour soins param\u00e9dicaux et dentaires n\u2019atteigne pas son sommet avant un certain temps. Nous surveillerons de pr\u00e8s les tendances en mati\u00e8re de demandes de r\u00e8glement et vous ferons part de nos observations lorsque les donn\u00e9es de mai et juin seront disponibles.<\/p>\n

          Selon nous, les donn\u00e9es relatives aux r\u00e9percussions de la pand\u00e9mie sur les r\u00e9gimes d\u2019invalidit\u00e9 devraient \u00eatre plus claires \u00e0 ce moment-l\u00e0.<\/p>\n

          Nous vous tiendrons \u00e9galement inform\u00e9s \u00e0 savoir si l\u2019Agence du revenu du Canada accordera plus de souplesse concernant les r\u00e8gles de report applicables aux comptes de frais pour soins de sant\u00e9.<\/p><\/blockquote>\n

          [\/vc_column_text][vc_separator color=”custom” border_width=”3″ accent_color=”#49bfb5″][\/basic_container][\/vc_column][\/vc_row][vc_row][vc_column][basic_container container_size=”container container-narrow” bg_type=”solid” bg_color=”bg-light”]

          <\/div>[vc_column_text] Ce bulletin a \u00e9t\u00e9 pr\u00e9par\u00e9 par l\u2019\u00e9quipe de r\u00e9daction d\u2019Actualit\u00e9AC \u00e0 des fins d\u2019information g\u00e9n\u00e9rale seulement et ne constitue pas un conseil professionnel. Les renseignements contenus dans le pr\u00e9sent document sont fond\u00e9s sur les sources et les analyses actuellement disponibles. Les donn\u00e9es utilis\u00e9es peuvent provenir de sources de tierces parties qu\u2019Eckler n\u2019a pas v\u00e9rifi\u00e9es, valid\u00e9es ou contr\u00f4l\u00e9es de fa\u00e7on ind\u00e9pendante. L\u2019\u00e9quipe de r\u00e9daction ne fait aucune d\u00e9claration et n\u2019offre aucune garantie quant \u00e0 l\u2019exactitude des renseignements, ni \u00e0 leur pertinence pour les fins auxquelles ils sont destin\u00e9s par les utilisateurs. Ces renseignements ne doivent pas \u00eatre interpr\u00e9t\u00e9s comme \u00e9tant des conseils relativement \u00e0 une situation particuli\u00e8re et ne peuvent \u00eatre consid\u00e9r\u00e9s comme tells. <\/span><\/p>\n

          L\u2019\u00e9quipe de r\u00e9daction est pr\u00e9sentement form\u00e9e de Andrew Tsoi-A-Sue, Ellen Whelan, Charlene Milton, Alyssa Hodder, Philippe Laplante, et Nick Gubbay.<\/span>[\/vc_column_text]

          <\/div>[\/basic_container][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

          Exp\u00e9rience des r\u00e9gimes de soins de sant\u00e9 et dentaires en p\u00e9riode de pand\u00e9mie de COVID-19. \u00c0 quoi ont d\u00fb faire face les r\u00e9gimes de soins de sant\u00e9 et dentaires ces … […]<\/p>\n","protected":false},"author":3,"featured_media":1876,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46,38],"tags":[],"class_list":["post-6007","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualiteac","category-group-news","service-group-benefits"],"acf":[],"yoast_head":"\nActualit\u00e9AC Extra - Mai 2020 - Eckler<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.eckler.ca\/fr\/actualiteac-extra-mai-2020\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Actualit\u00e9AC Extra - 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