Subject: Important Update: Renewal of PSCU’s Group Health Plan Effective September 1, 2026
Dear Valued Members,
As of September 1, 2026, PSCU proudly enters the third year of its Health Plan partnership with Guardian Life Insurance. We remain committed to providing our members with access to quality healthcare coverage and ensuring the long-term sustainability of the plan.
As part of the annual review process, PSCU Management, our Insurance Broker and Guardian Life Insurance assessed the performance and claims experience of the Group Health Plan. During the review of the plan’s claims experience, it was determined that claims utilization exceeded the threshold required to maintain the original premium rates and benefit structure.
In response, discussions were held with all stakeholders to identify the most suitable way forward while protecting the interests of our membership. Following these discussions, revised terms were negotiated and agreed upon to ensure that the plan remains competitive, sustainable, and capable of continuing to provide valuable coverage to members.
As a result, adjustments to the plan’s premiums and certain cost-sharing components will take effect from 1st September, 2026. We are pleased to advise that these changes have been implemented while preserving the overall quality and core benefits of the coverage.
We understand that any increase in healthcare costs may create concern and inconvenience. However, these adjustments are necessary to maintain access to a reliable and comprehensive health insurance solution for our members and their families.
PSCU remains committed to acting in the best interests of our members, and we value the trust you have placed in us. We look forward to continuing to serve you and your healthcare needs for years to come.
Below is a summary of the revised premiums, deductibles, co-insurance rates and prescription drug coverage effective 1st September, 2026.
| 18-64 – 29% increased rates and benefits changes: | |
| Single | $540.00 |
| Plus 1 | $946.00 |
| Family | $1,487.00 |
| Medical deductible | $1,000.00 per person and $3,000.00 per family |
| Dental deductible | $200.00 |
| Vision deductible | $200.00 |
| Co-insurance on diagnostics/x rays, Rx, dialysis, radiotherapy, chemotherapy. | 60% in and out of network |
| Co-insurance on everything else other the surgeries. | 70% in network & 60% out of network |
| Maximum coverage $500,000.00 | |
| Drugs capped at $10,000.00 annually | |
| 65-Over – 29% increased rates and benefits changes: | |
| Single | $1,031.00 |
| Plus 1 | $1,800.00 |
| Medical deductible | $1,250.00 per person |
| Dental deductible | $200.00 |
| Vision deductible | $200.00 |
| Co-insurance on diagnostics/x rays, Rx, dialysis, radiotherapy, chemotherapy. | 60% in and out of network |
| Co-insurance on everything else other the surgeries. | 70% in network & 60% out of network |
| Maximum coverage $250,000.00 | |
| Drugs capped at $6,000.00 annually | |
Due to the premium increases, all members are urged to update their standing orders or salary deductions.
For additional information please contact our Health Plan Assistant – Ms. Natanya Logan at: Tel: 612-7884 Ext. 1003 Email: natanya.logan@pscutt.com
Thank you for your continued support. We remain committed to serving our members’ needs.