Cost of Coverage

Your annual premium depends on your age at June 1 of each year and the elimination period you elect. For cost information, please contact:

  • Mark Venton, Doctors Manitoba, at 985-5846, or
  • Gord Brennan, Doctors Manitoba’s Authorized Representative, at 985-1140.

The premiums are age banded rather than level premiums. This means you pay in today’s dollars for today’s risk. With level premiums, the cost of premiums for older participants is transferred to younger participants. Rather than have younger participants ‘overpay’, premiums are based on a more cost–effective banding method whereby participants pay premiums for risk based on actual age.

Retail sales taxes are calculated based on the premiums applicable to those participants who reside and/or report for work in Manitoba, Ontario and Quebec.