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

• 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), 3sHealth and Plannera have self-funded plans in which the insurance companies are hired to administer the health and disability benefit plans and settle claims, but do not guarantee payments, because the plan is uninsured.

• If your concern pertains to SGEU, 3sHealth or Plannera:
  • Review the appeal procedure outlined in the 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.