Non-regulated companies

Non-regulated companies

Below you will find a list of insurance companies, or plans, operating in Saskatchewan that the Superintendent of Insurance does not regulate:

 

• Crown corporations and government departments/agencies
• Companies exempt from The Insurance Act
• Self-funded disability plans

 

Crown corporations and government departments/agencies

• Public Employees Benefits Agency (PEBA)
• Saskatchewan Crop Insurance Corporation (SCIC)
• Saskatchewan Government Insurance (SGI)
• Saskatchewan Municipal Hail Insurance Association (SMHIA)
   

Companies exempt from The Insurance Act

Group Medical Services (GMS), Medical Services Incorporated (MSI), and Saskatchewan Blue Cross® are not licensed as insurance companies under The Insurance Act and the Superintendent of Insurance has no authority to investigate inquiries or complaints against them.

Both GMS and MSI are exempt from The Act. GMS is governed by The Group Medical Services Act. MSI is governed by The Medical Services Incorporated Act.

If you have a concern related to GMS:

• Contact the company directly using the phone number and address provided in the plan documents or contact the GMS Ombudsman:

7th Floor -2055 Albert Street
PO Box 1949
Regina, SK S4P 0E3
Tel. 306.790.5754

• Consult with a lawyer about any remedies you may have, as well as any time limitations that may affect your claim.

If you have a concern related to MSI or Saskatchewan Blue Cross®:

• Review the appeal procedure described in the MSI plan documents.
• Consult with a lawyer about any remedies you may have, as well as any time limitations that may affect your claim.
   

Self-funded disability plans

A self-funded plan, also known as a self-insured plan, is a form of group insurance where regular employer and employee contributions cover the costs of claims. A self-funded plan may hire an insurance company or a third-party administrator to coordinate providers and handle claims and paperwork. In the case of a self-funded plan, the employer, not the insurance company, assumes the financial risk and is financially responsible for paying claims made by insured group members.

The Saskatchewan Government Employees Union (SGEU) and 3sHealth have self-funded plans in which the insurance companies are hired to administer the health benefit plan and settle claims, but do not guarantee payments, because the plan is uninsured.

If your concern pertains to either SGEU or 3sHealth:

• Review the appeal procedure outlined in the SGEU or 3sHealth plan documents.
• Consult with a lawyer about any remedies you may have, as well as any time limitations which may affect your claim.

To find out if your plan is self-funded, please contact your plan administrator directly.