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Supplemental Health

All benefits payable through the Student Plan are based on reasonable and customary charges.

Ambulance
Your plan covers of 80% based on reasonable and customary charges, 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.

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. Practitioners must be registered and licensed in their field of practice.

The services of the following practitioners are covered at 80% to a maximum of $300 per practitioner, per benefit year.

• physiotherapist*
• speech therapist*
• chiropractor, including 1 x-ray examination per benefit year
• naturopath
• registered massage therapist*
• athletic therapist*
• psychologist or social worker


*physician’s prescription/referral required for indicated services

For Online Video Counselling you can submit your receipts online or with our paper form for reimbursement.

Medical Supplies
Your plan covers 80% based on reasonable and customary charged for vaccines, compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary. Such drugs or supplies must be either administered by a physician or dentist or prescribed by a physician or dentist and dispensed by a pharmacist. Any charges for administration are not eligible.

Medical Equipment
Your plan covers 80% of reasonable and customary charges for eligible equipment when prescribed by a physician. 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

Prosthesis
Your plan covers 80% of reasonable and customary charges when prescribed by a physician for Prosthetic Appliances including:

Charges for artificial limbs when the loss of the limb occurs while the individual is insured under this benefit. The cost of repair is also covered. Replacement is covered when required due to physiological change, excluding myoelectric  appliances. It is recommended that an application for pre-approvable submitted to the insurer.

Charges for artificial eyes including one polishing or one re-make each benefit year.

Casts, splints, trusses, braces or crutches, including replacements when medically necessary. It is recommended that  an application for pre-approval be submitted to the insurer.

External breast prosthesis when required due to a total or radical mastectomy that has been performed while you are  insured under this benefit. The purchase of 2 surgical brassieres is included to a maximum of $200 each benefit year.

Orthopaedics*
Your plan covers 80% up to a maximum of $200 per benefit year for custom-made orthopedic shoes, molded arch supports, or orthopedic supplies, when recommended by a physician, podiatrist or chiropodist, provided  they are dispensed by an orthotist, pedorthist, podiatrist, or chiropodist and must be dispensed by a different provider than the prescriber. The prescriber cannot be the Insured Person or a member of their immediate family nor  ordinarily reside in the Insured Person’s Residence. Excluded: orthopedic supplies prescribed or dispensed by a  chiropractor.

*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.

Other Eligible Expenses
1) Charges for oxygen, blood or blood products and the equipment required for it’s administration;
2) Charges for treatment of a sickness by the use of radiotherapy or coagulotherapy;
3) Charges for laboratory tests done in a commercial laboratory for diagnosis of a sickness but excluding any tests performed in a physician’s office or a pharmacy.

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 100% to a maximum of $2,000 per accident for of the cost of the services of treatment of injury to sound natural teeth. 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

In the event of a dental accident, you must complete a Standard Dental Association claim form (available from the Student Benefits Plan Office). When making a claim, be sure to attach all original receipts to the claim form. The claim form can be mailed directly to the insurance company.

Select Health Savings
To enhance your existing coverage, select providers have agreed to help students by providing savings on certain plan eligible services. You must present your myBenefits Card at each visit. For further information on participating providers check out the Select Savings tab.

Service Members


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