Extended Health Coverage
Your extended health coverage runs for as long as you remain an eligible student at Booth University College. Download the Extended Health & Dental Plan coverage leaflet for the 2022-2023 academic year.
Your myBenefits Card allows you to direct bill with pharmacies and dental offices. To access direct billing at paramedical practitioners or vision care services, you must register on the my.canadalife.com and update your address on your profile.
Students can save money on certain eligible services if they visit one of our select savings members.
The following is the coverage for your Health Plan:
| Health Benefits |
Coverage |
| Prescription Drugs |
80% |
Maximum of $3000 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.
Advise your doctor and pharmacist that you are on the Manitoba Provincial Formulary.
Prescription Search Tool
Please use our Prescription Drug Search Tool to find out if your medication is covered by the plan.
Drug Exception Process
In the event that the drugs covered are not effective in treating your condition, or a drug that is effective is not covered, an exception process is in place. Download the Drug Exception Form for your general practitioner to fill out, and they can send the form directly to Canada Life on your behalf.
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| Vision |
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- $60 for one eye examination. The exam must be by an ophthalmologist or optometrist.
- $100 for eye glases or contact lenses.
The vision coverage renew every 24 months from the initial date of service. Coverage is based on reasonable and customary charges.
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| Paramedical Practitioners |
80% |
Student benefits are payable after any Provincial Health Care benefits have been exhausted. This plan does not cover user fees.
The services of the following practitioners are covered up to $30 per visit 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.
Practitioners:
- Podiatrist/chiropodist*, including 1 x-ray examination per benefit year
- Registered dietician*
- Physiotherapist/athletic therapist*
- Registered massage therapist*
- Chiropractor
- Naturopath
- Speech therapist*
- Psychologist or social worker
*physician's or Nurse Practitioner prescription/referral required for indicated services
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| Medical Equipment & Supplies |
100% |
The plan covers reasonable and customary charges for eligible equipment when prescribed by a physician, podiatrist, chiropodist, or chiropractor.
Prescription and pre-authorization may be required.
Eligible durable equipment includes, but is not limited to, items such as:
- Wheelchairs
- Walkers
- Hospital beds
- Traction kits
- Braces, Crutches, Splints and Trusses. Not solely for athletic use.
- diabetic Supplies, such as blood glucose monitors and lancets
- Prosthesis:
Reasonable and customary charges for artificial limbs, eyes or other prosthetic appliances when prescribed by a physician.
- Orthopaedics: Maximum of $300 per benefit year for custom-made orthopaedic shoes, repairs and modifications when required for the correction of deformity of the bones and muscles and provided they are not solely for athletic use.
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| Ambulance |
100% |
This coverage is applied after the provincial deduction.
The plan covers a licensed ambulance or emergency 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.
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| Private Duty Nurse |
100% |
Maximum of $10,000 per benefit year of the services of a Private Duty Nurse, when certified in writing as medically necessary by the attending physician. To establish the amount of coverage available under this policy, we suggest that prior to initiating home care, the student submit a pre-care assessment to the Carrier.
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| Emergency Out of Province Medical and Accidental Death and Dismemberment Coverage |
100% |
Emergency Out of Province Medical and Accidental Death and Dismemberment Coverage
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 on trips that originated from your Canadian province or territory of residence. It is important to remind you that this coverage is not available in the province where you attend the school or in your country of origin. Your coverage period is 180 days per trip. Coverage is subject to the terms and conditions provided in the Benefits Booklet.
This insurance product is underwritten by AIG Insurance Company of Canada. If you are travelling, download the Travel Medical Assistance Card.
Eligible students enrolled in the Extended Health Plan have this Emergency Travel Assistance coverage. Students must be covered by a Government Health Insurance Plan (GHIP) of a Canadian province or territory or equivalent.
Students covered under the travel policy are in one of the following two classes; this information may be needed if you are contacting AIG regarding your coverage.
- Policy Number: SRG 9429074
- Class I: Domestic Student
- Class II: Foreign Student
If students add their family members to the Student Health Plan, they are also covered by the Emergency Travel Assistance and must be covered by a Government Health Insurance Plan (GHIP) of a Canadian province or territory or equivalent.
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| Other Insurance |
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The student plan also offers the following complementary insurances:
These insurances are only applicable to the Student. Family members added to the plan are not eligible.
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 the Benefits Plan Ofice for a complete schedule of losses.
Your plan covers 80% up to $15 per hour to a maximum of $2000 per benefit year for private tutorial service if the student is confined to home or hospital for a minimum of 30 consecutive school days.
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Limitations and Exclusions to Health Benefits
An exclusion is a condition or instance that is not covered by the Health Plan. it's important to review and understand exclusions to the plan before using your 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 incurred due to committing a criminal offense or provoking an assault;
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) Services or supplies received outside of Canada;
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) expenses for smoking cessation aids;
12) expenses for drugs if they are used for the treatment of infertility;
13) expenses for "in vitro" or "in vivo" procedures, or any other infertility procedures;
14) dental expenses, except those specifically provided under eligible expenses for treatment of accidental injuries to natural teeth;
15) utilization fees which are imposed by the Provincial Health Care Plan for the use of a service;
16) preventative immunization vaccines and toxoids; or
17) any other exclusion identified in the policy contract.
Dental Coverage
Your dental coverage runs for as long as you remain an eligible student at Booth University College. Download the Extended Health & Dental Plan coverage leaflet for the 2022-2023 academic year.
Your myBenefits Card allows you to direct bill with pharmacies and dental offices. To access direct billing at paramedical practitioners or vision care services, you must register on the my.canadalife.com and update your address on your profile.
Students can save money on certain eligible services if they visit one of our select savings members.
The Dental Plan covers up a maximum of $750 per benefit year. Please submit an estimate/pre-authorization prior to any dental treatment plan exceeding $500.
The following is the coverage for your Dental Plan:
| Dental Benefits |
Coverage |
| Basic Dental Services |
80% |
- Examination
Once per benefit year
- Complete series of x-rays
(Not eligible for dependents under 12) and periapical, Maximum 16 films including bitewings in any period of 36 months
- Bitewings
Maximum 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
- Anaesthesia
Eligible when done in conjunction with a covered dental procedure
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| Minor Restorative |
70% |
- 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
1 treatment in any period of 36 months
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| Extractions |
70% |
- Extractions
Maximum 2 wisdom teeth per benefit year
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| Endodontic, Periodontic and Other Oral Surgery |
20% |
- Root canal therapy
- Occlusal equilibration
Maximum 4 units per benefit year
- Periodontal appliances
Maximum 1 appliance per arch in any period of 24 months
- Periodontal appliance repairs, maintenance and adjustments
Maximum 4 adjustments per benefit year
- Other oral surgical services
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| Dental Accident |
80% |
p>Maximum of $1,000 per accident for of the cost of the services of treatment of injury to sound natural teeth (treatment must commence within 30 days of the accident and be completed within 12 months of accident; authorization required). Treatment must start within 30 days after the accident unless delayed by a medical condition. A sound tooth is any tooth that did not require restorative treatment immediately before the accident. A natural tooth is any tooth that has not been artificially replaced.
No benefits are paid for:
- Accidental damage to dentures
- Dental treatment completed more than 12 months after the accident
- Orthodontic diagnostic services or treatment
Services must be performed within 12 months of accident. If treatment is scheduled to occur more that 90 days after the impact, a treatment plan must be submitted before the end of the 90-day period.
Pre-authorization required. An estimate for all dental accident services MUST be submitted to Canada Life. If you go ahead with treatment without a pre-determination being approved, you are doing so at the risk of the expenses being yours.
In the event of a dental accident, you must complete a Standard Dental Association claim form, to download the form, visit the submitting claim section.
This coverage is under the Health Plan. You must be enrolled in the Health Plan to claim for dental accidents.
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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.
Limitations and Exclusions to Dental Benefits
An exclusion is a condition or instance that is not covered by the Dental Plan. it's important to review and understand exclusions to the plan before using your 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) Services or supplies received outside of Canada
6) committing or attempting to commit a criminal offence or provoking an assault
7) any group or policyholder sponsored dental care or treatment
8) any dental care, treatment or supplies primarily for cosmetic purposes
9) failing to keep scheduled appointments
10) file transfers, the completion of claim forms or other documentation
11) any dental treatment for the correction of temporomandibular joint dysfunction
12) replacement of mislaid, lost or stolen appliances
13) 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
14) any services or supplies for implantology, including tooth implantation and surgical insertion of fabricated implants
15) any dental procedure which is not listed in the descriptions of dental benefits indicated herein
16) charges that are in excess of the fees stated in the Dental Association General Dentist Fee Guide applicable to this benefit
17) where coverage for services is provided under any government plan
18) where services would be provided without charge in the absence of this policy
19) any other exclusions identified in the policy contract