{"id":2370,"date":"2017-12-19T23:16:42","date_gmt":"2017-12-19T23:16:42","guid":{"rendered":"https:\/\/milleniumgf.com\/site\/?page_id=2370"},"modified":"2022-12-15T14:25:00","modified_gmt":"2022-12-15T14:25:00","slug":"assurances-collectives-vs-ramq","status":"publish","type":"page","link":"https:\/\/milleniumgf.com\/site\/avantages-sociaux\/assurances-collectives-vs-ramq\/","title":{"rendered":"Assurances collectives VS la RAMQ"},"content":{"rendered":"<p>[vc_row css=\u00a0\u00bb.vc_custom_1454490431615{margin-bottom: 0px !important;}\u00a0\u00bb][vc_column][vc_single_image image=\u00a0\u00bb2685&Prime; img_size=\u00a0\u00bbfull\u00a0\u00bb alignment=\u00a0\u00bbcenter\u00a0\u00bb css_animation=\u00a0\u00bbtop-to-bottom\u00a0\u00bb][vc_custom_heading text=\u00a0\u00bbCliquez et d\u00e9couvrez nos produits d&rsquo;assurance :<br \/>\n\u00a0\u00bb font_container=\u00a0\u00bbtag:h2|font_size:30|text_align:left|color:%23222222&Prime; use_theme_fonts=\u00a0\u00bbyes\u00a0\u00bb css_animation=\u00a0\u00bbtop-to-bottom\u00a0\u00bb el_class=\u00a0\u00bbheading-left-black\u00a0\u00bb tm_font_weight=\u00a0\u00bb700&Prime;][vc_tta_accordion style=\u00a0\u00bbflat\u00a0\u00bb shape=\u00a0\u00bbsquare\u00a0\u00bb spacing=\u00a0\u00bb3&Prime; c_icon=\u00a0\u00bbchevron\u00a0\u00bb active_section=\u00a0\u00bb\u00a0\u00bb collapsible_all=\u00a0\u00bbtrue\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1525655562632{margin-top: 30px !important;margin-bottom: 0px !important;}\u00a0\u00bb el_class=\u00a0\u00bbtm-accordion\u00a0\u00bb][vc_tta_section title=\u00a0\u00bbAssurances collectives VS la RAMQ\u00a0\u00bb tab_id=\u00a0\u00bbAssurances-collectives-VS-RAMQ\u00a0\u00bb][vc_row_inner][vc_column_inner width=\u00a0\u00bb1\/2&Prime;][vc_column_text css_animation=\u00a0\u00bbleft-to-right\u00a0\u00bb]Comme l\u2019assurance m\u00e9dicaments est obligatoire au Qu\u00e9bec, tous les contribuables (adultes sur le march\u00e9 du travail) sont tenus de s\u2019inscrire au r\u00e9gime d\u2019assurance m\u00e9dicaments de la RAMQ. Ce r\u00e9gime ne couvre qu\u2019environ la moiti\u00e9 des m\u00e9dicaments sur le march\u00e9 pour un co\u00fbt annuel familial sup\u00e9rieur \u00e0 1410$ par ann\u00e9e, \u00e0 condition de ne prendre aucun m\u00e9dicament annuellement. Pour ceux qui doivent prendre de la m\u00e9dication, on doit alors y ajouter une franchise de 267$ par ann\u00e9e et il ne rembourse que 65% du co\u00fbt des m\u00e9dicaments achet\u00e9s jusqu\u2019\u00e0 un plafond annuel de 1161$ par adulte.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/2&Prime;][vc_column_text css_animation=\u00a0\u00bbright-to-left\u00a0\u00bb]Comparativement au r\u00e9gime de la RAMQ, un r\u00e9gime d\u2019assurances collectives priv\u00e9 doit couvrir au minimum les m\u00eames \u00e9l\u00e9ments que l\u2019assurance m\u00e9dicaments publique. Toutefois, il comprendra des garanties compl\u00e9mentaires minimales (assurance vie et soins param\u00e9dicaux). De plus, le tout peut \u00eatre bonifi\u00e9 par des couvertures plus compl\u00e8tes concernant ces garanties et inclure des \u00e9l\u00e9ments additionnels comme de l\u2019assurance salaire, l\u2019assurance maladies graves, les soins dentaires, les soins oculaires, etc.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_btn title=\u00a0\u00bbPOUR EN SAVOIR PLUS, CONTACTEZ-NOUS!\u00a0\u00bb shape=\u00a0\u00bbsquare\u00a0\u00bb color=\u00a0\u00bbprimary\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb i_align=\u00a0\u00bbright\u00a0\u00bb i_icon_fontawesome=\u00a0\u00bbfa fa-chevron-right\u00a0\u00bb css_animation=\u00a0\u00bbbottom-to-top\u00a0\u00bb button_block=\u00a0\u00bbtrue\u00a0\u00bb add_icon=\u00a0\u00bbtrue\u00a0\u00bb link=\u00a0\u00bburl:https%3A%2F%2Fmilleniumgf.com%2Fsite%2Fcontact%2F|||\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1511973394808{margin-bottom: 25px !important;}\u00a0\u00bb][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=\u00a0\u00bb75px\u00a0\u00bb][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row css=\u00a0\u00bb.vc_custom_1454490431615{margin-bottom: 0px !important;}\u00a0\u00bb][vc_column][vc_single_image image=\u00a0\u00bb2685&Prime; img_size=\u00a0\u00bbfull\u00a0\u00bb alignment=\u00a0\u00bbcenter\u00a0\u00bb css_animation=\u00a0\u00bbtop-to-bottom\u00a0\u00bb][vc_custom_heading text=\u00a0\u00bbCliquez et d\u00e9couvrez nos produits d&rsquo;assurance : \u00a0\u00bb font_container=\u00a0\u00bbtag:h2|font_size:30|text_align:left|color:%23222222&Prime; use_theme_fonts=\u00a0\u00bbyes\u00a0\u00bb css_animation=\u00a0\u00bbtop-to-bottom\u00a0\u00bb el_class=\u00a0\u00bbheading-left-black\u00a0\u00bb tm_font_weight=\u00a0\u00bb700&Prime;][vc_tta_accordion style=\u00a0\u00bbflat\u00a0\u00bb shape=\u00a0\u00bbsquare\u00a0\u00bb spacing=\u00a0\u00bb3&Prime; c_icon=\u00a0\u00bbchevron\u00a0\u00bb active_section=\u00a0\u00bb\u00a0\u00bb collapsible_all=\u00a0\u00bbtrue\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1525655562632{margin-top: 30px !important;margin-bottom: 0px !important;}\u00a0\u00bb el_class=\u00a0\u00bbtm-accordion\u00a0\u00bb][vc_tta_section title=\u00a0\u00bbAssurances collectives VS la RAMQ\u00a0\u00bb tab_id=\u00a0\u00bbAssurances-collectives-VS-RAMQ\u00a0\u00bb][vc_row_inner][vc_column_inner width=\u00a0\u00bb1\/2&Prime;][vc_column_text css_animation=\u00a0\u00bbleft-to-right\u00a0\u00bb]Comme l\u2019assurance m\u00e9dicaments est obligatoire au Qu\u00e9bec, tous les contribuables (adultes sur le march\u00e9 du [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2361,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"footnotes":""},"class_list":["post-2370","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Assurances collectives VS la RAMQ - Groupe Financier Millenium<\/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:\/\/milleniumgf.com\/site\/avantages-sociaux\/assurances-collectives-vs-ramq\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurances collectives VS la RAMQ - Groupe Financier Millenium\" \/>\n<meta property=\"og:description\" content=\"[vc_row css=\u00a0\u00bb.vc_custom_1454490431615{margin-bottom: 0px !important;}\u00a0\u00bb][vc_column][vc_single_image image=\u00a0\u00bb2685&Prime; 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