MCA Alberta Member Program
Keep the coverage your team knows. Gain the advantages of an MCA plan.
MCA Alberta can often mirror your existing group benefits while helping you explore competitive member-sponsored coverage. We make it easier to compare options, protect continuity for employees, and choose a plan that fits your workforce.
Start with your current plan
Send us your existing benefits booklet or plan summary. We will help you compare coverage, identify what can be mirrored, and explain the options available through MCA Alberta.
Phone:
1-800-251-0620
Email:
info@mca-ab.com
Why employers switch
A benefits program built around contractor realities.
Changing benefits can feel risky. Employees are used to their current coverage, administrators worry about disruption, and owners need to know the numbers make sense.
MCA Alberta helps reduce that friction by starting with the plan you already have and guiding you toward a comparable or better-fit option.
Mirror Existing Coverage
Preserve familiar coverage where possible instead of forcing unnecessary change.
Member Purchasing Power
Access coverage through a member-sponsored program designed for contractors.
Options for Different Teams
Choose from traditional plans, hour-bank coverage, and individual pathways.
Local Administration
Get help with enrolments, changes, premiums, claims coordination, and plan questions.
A simpler way to compare
Switching is easier than you think.
You do not need to decode every plan on your own. Start with what you already have.
01
Send Your Current Plan
Share your existing benefits booklet, plan summary, or coverage details.
02
Review the Comparison
MCA Alberta helps identify what can be mirrored and where the options differ.
03
Choose the Best Fit
Select the structure and coverage level that makes sense for your company.
Choose the right benefit path
Start with the workforce structure that best describes your company.
Traditional Group Benefits
Core & Bronze Plans
For companies with employees working regular weekly hours who want conventional health, dental, life, and disability coverage.
- Core for stronger coverage levels
- Bronze for a more cost-conscious option
- Side-by-side comparison available below
Flexible Workforce
Hour Bank Program
For seasonal, occasional, project-based, or variable-hour workforces where employees build benefit eligibility through accumulated hours.
- Hours carry forward during slower periods
- Multiple plan tiers
- Designed for workforce variability
Individual Coverage
Equitable Member Access
For individuals or small groups that need an individual-style pathway rather than a traditional employer-sponsored plan.
- Third-party coverage platform
- Flexible individual options
- Ask MCA Alberta for current eligibility details
Traditional Group Benefits
Two familiar plan structures with different coverage levels and maximums.
Core Plan
Designed for companies wanting broader reimbursement levels, higher maximums, and stronger disability protection.
Best for: Employers prioritizing comprehensive coverage.
- Higher prescription drug maximum
- Higher dental maximum
- Stronger life and disability limits
Bronze Plan
Designed for companies seeking essential group coverage with a more cost-conscious structure.
Best for: Employers balancing core protection with affordability.
- Essential drug and dental coverage
- Life and disability protection
- Lower benefit maximums than Core
Core vs. Bronze at a glance
Use this summary for a quick comparison. Official plan documents govern all coverage details.
| Benefit | Core Plan | Bronze Plan |
|---|---|---|
| Employee Life and AD&D | 100% of annual earnings, up to $300,000 | $40,000 flat benefit |
| Dependent Life | Spouse $20,000; child $10,000 | Spouse $10,000; child $5,000 |
| Prescription Drugs | 100% generic prescription drug coverage, up to $5,000 annual maximum | 80% generic prescription drug coverage, up to $1,500 annual maximum |
| Paramedical Services | 80% coverage, $500 per year per practitioner | 80% coverage, $300 combined annual maximum |
| Dental | 80% basic, 50% major, 50% child orthodontia; $2,000 annual basic and major maximum | 80% basic dental only; $850 annual maximum |
| Long-Term Disability | 66.7% of first $4,000 plus 53% of balance, up to $8,000 monthly maximum | 66.7% of first $4,000 plus 53% of balance, up to $5,000 monthly maximum |
| EAP | Included through Homewood Health | Included through Homewood Health |
Flexible workforce coverage
Hour Bank Program
The Hour Bank program is built for workforces where employees may be seasonal, occasional, on layoff, or not consistently working full-time hours. Employees accumulate hours with one employer and use those hours to maintain benefit eligibility.
Benefits start after the employee reaches the required initial hours. Extra hours can remain in the bank to help preserve coverage when work slows down.
How it works
1. Employees work
Submitted hours are added to their bank.
2. Hours accumulate
Eligibility begins once the starting threshold is reached.
3. Coverage continues
Monthly hours maintain benefit eligibility.
4. Extra hours carry forward
Banked hours help during slower periods.
Gold Plan
Core, no disability: $1.62/hr
Core with STD: $2.05/hr
Maintenance: $0.05/hr
Life and AD&D: $120,000
Health: 100% to unlimited max
Dental: 100% basic to $3,000/year
Silver Plan
Core, no disability: $1.34/hr
Core with STD: $1.75/hr
Maintenance: $0.05/hr
Life and AD&D: $70,000
Health: 80% to $5,000, then 90%
Dental: 80% basic to $2,500/year
Bronze Plan
Core, no disability: $1.15/hr
Core with STD: $1.49/hr
Maintenance: $0.05/hr
Life and AD&D: $50,000
Health: 80% to unlimited max
Dental: 80% basic to $2,000/year
Rates are approximate and subject to change. LTD must be quoted. STD with 26 weeks is available.
Approximate Hour Bank LTD rates
Long-term disability pricing varies by plan and average employee age. All LTD pricing must be quoted.
| Average Age | Gold Plan | Silver Plan | Bronze Plan |
|---|---|---|---|
| Under 35 | $0.26/hr | $0.20/hr | $0.16/hr |
| 35-44 | $0.44/hr | $0.33/hr | $0.27/hr |
| Over 45 | $0.72/hr | $0.54/hr | $0.45/hr |
We help with administration
MCA Alberta supports participating employers and plan members throughout the life of the plan.
- Employee enrolments and record changes
- Premium and tax administration
- Coverage questions and document support
- Claims and insurer coordination
- Life and disability claim liaison
Eligibility at a glance
Eligibility depends on the selected program and the employee’s work arrangement.
- Core and Bronze generally apply to employees working regular weekly hours
- Hour Bank eligibility is based on accumulated hours
- Provincial health coverage must generally be in place
- Enrolment and life-event deadlines apply
Review the official plan documents for complete rules and timelines.
Plan documents and resources
Download the official guides for complete coverage, eligibility, rate, and administration details.
Core Plan Guide
Full benefit guide for MCA Alberta’s Core Plan.
Bronze Plan Guide
Full benefit guide for MCA Alberta’s Bronze Plan.
Hour Bank Program
Program overview, rules, plan tiers, and rate information.
Important: This page is for general information only and does not replace the official plan booklet, insurer documents, or benefit contracts. In the event of a conflict, the official plan documents govern.
Let’s compare your current benefits.
Send us your existing plan information and we will help you understand what can be mirrored, where the options differ, and which MCA Alberta program best fits your company.