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myBenefits



myBenefits at a Glance

The highlights below are provided as general information.

Ambulance:
Reimbursed at 80% to a maximum of $250 per occurrence. This coverage is applied after the provincial deduction.
(Please click Supplemental Health for details)

Prescription Drugs:
Reimbursed at 80% to a maximum of $3,000 per benefit year. Based on the BC Provincial Formulary with a generic rider.
(Please click Prescription Drugs for details)

Vision:
Reimbursed at 100%, $60 for one eye exam, $150 for glasses or contact lenses every 24 months.
(Please click Vision for details)

Nursing:
Reimbursed at 80% to a maximum of $10,000 per benefit year.
(Please click Supplemental Health for details)

Health Practitioners:
The services of paramedical practitioners are reimbursed at . Each service has an overall plan maximum of $ based on reasonable and customary charges, per benefit year. Practitioners must be registered and licensed in their field of practice.
(Please click Supplemental Health for details)

Medical Equipment & Supplies:
Reimbursed at 80%. A physician's prescription is required. Pre-authorization is suggested.
(Please click Supplemental Health for details)

Dental Accident:
Reimbursed at 80% to a maximum of $1,000 per accident. (services must be performed within 12 months of accident; authorization required)
(Please click Supplemental Health for details)

Out of Province Referral:
Reimbursed at 80% to a maximum of $10,000 per lifetime.
(Please click Supplemental Health for details)

Dental Coverage:
Exams covered at 80% once per benefit year. Overall plan maximum of $750 per benefit year.
(Please click Dental for details)

Accidental Death & Dismemberment:
$5,000 loss of life benefit.
(Please click Other Insurances for details)

Travel Insurance:
$2 million of coverage for emergencies and illnesses while traveling.
(Please click Travel Insurances for details)

Tuition Insurance:
$10,000 lifetime maximum.
(Please click Other Insurances for details)

Tutorial:
After 15 days of confinement due to illness or injury.
(Please click Other Insurances for details)

Supplemental Health




Ambulance
Reimbursed at 80% to a maximum of $250 per occurrence.This coverage is applied after the provincial deduction.  
Your plan covers 80% for licensed ground ambulance or emergency air service that transports the patient to the nearest hospital equipped to provide the required treatment when the physical condition of the patient prevents the use of another means of transportation. If the patient requires the services of a registered nurse during the flight, the services and return airfare for a registered nurse are covered.

Nursing
Your plan covers 80% up to a maximum of $10,000 per benefit year for the services of a registered nurse (R.N.), registered nursing assistant (R.N.A.), certified nursing assistant (C.N.A.), or licensed practical nurse (L.P.N.) when provided in the patient’s home. To qualify as an eligible expense the patient’s treatment must require the level of expertise of an R.N., R.N.A., C.N.A., or L.P.N.

Practitioners
Student benefits are payable after any Provincial Health Care benefits have been exhausted. This plan does not cover user fees. Student specific rates are available for some of the indicated services, information can be found in Select Savings. The services of the following practitioners are covered at 70% to a maximum of $300 based on reasonable and customary charges, per practitioner, per benefit year. Practitioners must be registered and licensed in their field of practice.

• chiropractor, including one x-ray examination per benefit year
• registered massage therapist*
• naturopath
• osteopath, including one x-ray examination per benefit year
• physiotherapist*
• speech therapist*
• podiatrist or chiropodist, including 1 x-ray examination per benefit year
• psychologist, social worker or registered clinical counselor

*physician’s prescription/referral required for indicated services

Medical Equipment & Supplies
It is recommended that an application for pre-approval be submitted to the insurer for any item that would be claimed under the Medical Services & Supplies benefit.
Medical Equipment
Your plan covers 80% of reasonable and customary charges for eligible equipment when prescribed by a physician.A physician's prescription is required. Pre-authorization is suggested. 
Eligible durable equipment includes, but is not limited to, items such as:

• wheel chairs
• wheel chair repairs (lifetime maximum of $250)
• walkers
• hospital beds
• traction kits

Braces, Crutches, Splints and Trusses
Your plan covers 80% of reasonable and customary charges when prescribed by a physician and are not solely for athletic use for braces, crutches, splints, and trusses.

Prosthesis
Your plan covers 80% of reasonable and customary charges when prescribed by a physician for artificial limbs or other prosthetic appliances.


Orthopaedics*
Your plan covers 80% up to a maximum of $150 per benefit year for custom-made orthopaedic shoes and/or orthotics when they are required for the correction of deformity of the bones and muscles and provided they are not solely for athletic use and are prescribed by a physician, podiatrist, chiropodist or chiropractor. Modifications, repairs and adjustments to custom-made orthopaedic shoes and/or orthotics are covered without a prescription.

*IMPORTANT It is strongly recommended that a pre-determination/estimate be submitted to Great-West Life to ensure that the guidelines set out by Great-West Life for the payment of Orthopaedics are met and to confirm that your claim would be eligible.
Dental Accident
IMPORTANT! Dental Accident Pre-determination: An estimate for all dental accident services MUST be submitted to the health plan insurer. If you go ahead with treatment without a pre-determination being approved, you are doing so at the risk of the expenses being yours.

The plan covers 80% of the cost of the services of a dental surgeon, limited to the fees provided in the current General Practitioners fee guide, including dental prosthesis, required for the treatment of a fractured jaw or accidental injuries to natural teeth or jaw if caused by external, violent and accidental means. Services must be performed within 12 months of the accident. Dental Accident benefits are payable through the Health plan and limited to $1,000 per accident.
Treatment must be completed within 12 months of the impact. If treatment is scheduled to occur more than 90 days after the impact, a treatment plan must be submitted to the insurer before the end of the 90 day period.
Out of Province Referral
Your plan covers 80% of the following hospital and medical services provided in Canada or the United States which are not offered in the province of residence and are performed following written referral by the attending physician in the patient’s province of residence to a maximum of $10,000 per lifetime:

1) hospital room and board at the ward rate
2) hospital services and supplies
3) diagnosis and treatment by physicians

The physician must give full details of the treatment and must be approved by the insurer in advance. You must apply and provide the insurer with a statement from your provincial health plan that describes what it will cover.

Prescription Drug

Your drug plan covers 80% of the cost of most medications legally requiring a prescription to a maximum of $3,000 per benefit year.

The maximum amount payable to an eligible brand name drug will be limited to the lowest priced item in the appropriate generic category.

IMPORTANT! Advise your doctor and pharmacist that you are on the BC Provincial Formulary.

The BC Provincial Formulary is a specific list of drugs that are eligible for reimbursement under your drug benefit. Formularies are developed to ensure that prescription drugs are available on a cost-effective basis. It covers approximately 85% of the most frequently prescribed drugs. Formularies are reviewed regularly and as a result, updates are made on an ongoing basis.

Exception Process: In the event that the drugs covered are not effective in treating your condition, an exception process is in place. To be eligible for an exception, you must have tried one alternative drug listed on the Formulary. An exception drug request form is available below or from the Health & Dental Plan Office and must be completed by your physician. Completed forms may be returned to the BCITSA Health & Dental Plan Office or can be faxed directly to the insurance company.

Request for Coverage of Exception Status Drug form

Vision

Your plan covers 100% of the cost of eye examinations by an ophthalmologist or optometrist limited to one examination, in a 24 month period to a maximum of $60, based on reasonable and customary charges.

Your plan covers 100% of cost for the purchase of eyeglasses and/or contact lenses to a maximum of $150, once during a 24 month period, based on reasonable and customary charges.

Dental

Payment of dental benefits is based on the General Practitioners Dental Association suggested fee guide or the Insurance Reimbursement Rate set by the Canadian Life and Health Insurance Association Inc. (CLHIA) when a fee guide is not available. For services provided by a dental specialist, payment is based upon the General Practitioners Dental Association suggested fee guide.

Alternate Benefit - When there are two or more courses of treatment available to adequately correct a dental condition, reimbursement may be based on the cost of the least expensive treatment, which provides adequate care to the Insured.

IMPORTANT! Please submit a pre-determination/pre-authorization to the insurance carrier prior to treatment of specialist services and any treatment plan exceeding $500.

Your plan covers up to a maximum of $750 per benefit year.


Diagnostic & Preventative
Your plan covers 80% of diagnostic and preventative procedures including:
• recall examination, 1 per benefit year
• initial or complete examination, once per dentist in a lifetime
• complete series of x-rays (not eligible for dependants under 12) and periapical, up to 16 films including bitewings in any period of 36 months
• bitewings, not more than 4 films per benefit year
• panoramic, 1 in any period of 36 months
• polishing, 1 unit per benefit year
• scaling, 2 units per benefit year
• fluoride, under 19 years of age, 2 treatments per benefit year
• oral hygiene instruction, 1 treatment per lifetime
• pit and fissure sealants, under 19 years of age, 1 per molar in any period of 36 months
• space maintainers and maintenance, under 15 years of age, 1 per space per benefit year
• anaesthesia, eligible when done in conjunction with a covered dental procedure
Minor Restorative
Your plan covers 70% for services associated with dental health restoration, including:
• space maintainers and maintenance, under 15 years of age
• amalgam and tooth coloured fillings, 1 per tooth in any period of 24 months
• stainless steel and plastic full coverage restorations, under 15 years of age, 1 per tooth in any period of 36 months
• denture adjustments and repairs
• relining, rebasing and tissue conditioning, one treatment in any period of 36 months
• recementation of existing restorations
Extractions
Your plan covers 50% for services associated oral surgery, including:
• extractions, not more than 2 wisdom teeth per benefit year
Endodontic, Periodontic and Other Oral Surgery
Your plan covers 15% of endodontic, periodontic and other oral surgery including:
• root canal therapy
• occlusal equilibration, not more than 4 units per benefit year
• periodontal appliances, not more than 1 appliance per arch in any period of 24 months
• periodontal appliance repairs, maintenance and adjustments, not more than 4 adjustments per benefit year
• other oral surgical services
• additional scaling and/or root planing, maximum of 2 units per benefit year
Major Restorative
Your plan covers 15% of major restorative services including:
• crowns
• bridges

Replacement of an existing crown or bridge is an eligible expense if the replacement is required to
replace an existing crown or bridge, which was installed 5 years before the replacement.

Other Insurances

Accidental Death & Dismemberment*
Your plan provides coverage for the loss of life or limb and for paralysis caused by an accident. The amount of your life benefit is $5,000. Please contact health and dental plan office for a complete schedule of losses.

Tuition*

Your plan provides coverage for Tuition Insurance and covers a student who has left school and medically cannot continue studies, as a result of death or severe and prolonged disability. The student must be enrolled in the Health Plan and must be under the continuous care of an appropriate specialist for a period of at least 60 days prior to applying for this benefit. The student will receive a benefit up to a lifetime maximum of $10,000 in accordance with any tuition, and ancillary fees paid by said student to cover:
    1) Tuition for courses the student was unable to complete
    2) Mandatory, non-negotiable/non-refundable fees, which will be amortized to the point of disability 
    3) Book allowance of up to $1,000 (receipts required)

Tutorial*
Your plan covers 80% up to $15/hour to a maximum of $2,000 per benefit year for private tutorial service if the student is confined to home or hospital for a minimum of 15 consecutive school days.

*Applicable to the Student only. Family members are not eligible for reimbursement of Accidental Death & Dismemberment, Tuition, and Tutorial benefits.

Travel Insurance

Your coverage effective December 1st:

Group Out-of-Province/Canada Travel Medical Emergency Insurance 

Provides coverage of up to a maximum of $5 million per insured person per coverage period for certain expenses incurred as a result of an emergency while travelling outside your province or territory of residence. Your coverage period is 180 days per trip. 

In addition, this insurance provides coverage for the following benefits:
• Up to $5,000 per insured person, per trip for trip cancellation 
• Up to $2,000 per insured person, per trip, for trip interruption; and
• Up to $1,000 per insured person, per trip, for baggage insurance. 

Information you will need for your Travel Assist card:
Group Policy Number: 1170082
Certificate Number: Your BCIT Student ID

This insurance product is underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is subject to the terms and conditions in the Benefits Booklet. For benefit complete details regarding this coverage download your Benefits Booklet and travel medical assistance card.

Personal Health Risk Assessment

The Personal Health Risk Assessment can be used to create a health profile, build an action plan to support your health and wellness needs and track progress.
Watch a short video about Personal Health Risk Assessment.

Exclusions

Limitations and Exclusions to Extended Health Benefits
No benefit is payable for:
1) expenses for which benefits are payable under a Workers' Compensation Act or a similar statute;
2) expenses incurred due to intentionally self-inflicted injuries;
3) expenses incurred due to civil disorder or war, whether or not war was declared;
4) expenses for services and products, rendered or prescribed by a person who ordinarily resides in the patient's home or who is related to the patient by blood or marriage;
5) expenses for which benefits are payable under a government plan;
6) expenses for benefits which are legally prohibited by the government from coverage;
7) out-of-province expenses for elective (non-emergency) medical treatment or surgery;
8) expenses for drugs which, in the insurer's opinion, are experimental;
9) expenses for dietary supplements, vitamins and infant foods;
10) expenses for contraceptives (other than oral); 11) drugs for the treatment of erectile dysfunction;
12) expenses for drugs if they are used for the treatment of infertility;
13) expenses for the services of a homemaker;
14) expenses for items purchased solely for athletic use;
15) dental expenses, except those specifically provided under eligible expenses for treatment of accidental injuries to natural teeth;
16) utilization fees which are imposed by the Provincial Health Care Plan for the use of a service;
17) expenses for the regular treatment of an injury or disease which existed before the member's or dependant's departure from his/her province of residence;
18) immunizations and vaccines (except Hepatitis B - DIN 749486 and DIN 1919431); or
19) any other exclusion identified in the policy contract.

Limitations and Exclusions to Dental Benefits
No benefit is payable for:
1) any cause for which the insured may apply for and receive protection, exemption or compensation under any Workers' Compensation Act;
2) self-inflicted injuries while sane or insane;
3) war, insurrection or hostilities of any kind, whether or not the insured was a participant in such actions;
4) participation in any riot or civil commotion;
5) committing or attempting to commit a criminal offence or provoking an assault;
6) any group or policyholder sponsored dental care or treatment;
7) any dental care, treatment or supplies primarily for cosmetic purposes;
8) failing to keep scheduled appointments;
9) file transfers, the completion of claim forms or other documentation;
10) any dental treatment for the correction of temporomandibular joint dysfunction;
11) expenses for treatment of root canal therapy, inlays, onlays, crowns, veneers, and bridges started prior to becoming an insured member/dependant under this plan;
12) replacement of mislaid, lost or stolen appliances;
13) expenses for crowns placed on a tooth not functionally impaired by incisal angle or cuspal damage;
14) any charges incurred for other than metal only crowns or pontics, posterior to the second bicuspid tooth;
15) expenses for full mouth reconstructions for vertical dimension correction or to repair or restore teeth damaged or worn due to attrition or vertical wear or to restore occlusion;
16) any services or supplies for implantology, including tooth implantation and surgical insertion of fabricated implants;
17) any dental procedure which is not listed in the descriptions of dental benefits indicated herein;
18) charges that are in excess of the fees stated in the Dental Association General Dentist Fee Guide applicable to this benefit;
19) where coverage for services is provided under any government plan;
20) where services would be provided without charge in the absence of this policy; or
21) any other exclusions identified in the policy contract.

BC Fair Pharmacare

The Fair PharmaCare program in British Columbia is intended to provide greater financial assistance to British Columbians for eligible prescription drugs and designated medical supplies. You must be a resident of the Province of British Columbia with an MSP number. The new approach focuses PharmaCare financial assistance to British Columbians who need it most - the lower your income, the more assistance the government will provide for your prescription drugs.

By coordinating the benefits from BC Fair PharmaCare and the Student Health Plan, many enrolled students will enjoy lower out-of-pocket charges for their eligible prescription drugs.

Students with net income less than $15,000 in the previous taxation year, who have registered for BC Medical Services Plan (MSP) on their own, not under their family, will enjoy the greatest benefit. PharmaCare will pay 70% of eligible prescription drug charges from the first dollar charged to the student and the Student Benefits Plan will pay up to 80% of the remainder!

FOLLOW THESE EASY STEPS TO REGISTER:

Have ready your:
• BC Care Card number
• net income from 2 years ago
• social insurance number
• birthdate

You will receive your registration number immediately.

Register online HERE

If you experience difficulty registering, or it states that you are already registered, or if you prefer to register over the phone please call: 604-683-7151 or 1-800-663-7100 for assistance.

Please note: if you are not a permanent resident of BC you must still fill out the registration form providing your home province or country in place of the Fair Pharmacare registration number.

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