myBenefits

The Student Benefits Flex Plan allows you to choose coverage to suit your needs. Below is a summary of the coverage options available. You have one opportunity each year during your enrolment period or on the anniversary of your first enrolment period to Flex your benefits however please note certain restrictions apply. Please see the Terms and Conditions section.

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Please select an option to see details Ambulance Practitioners Medical Equipment Orthopaedics Trusses, Crutches, Splints, and Braces Prosthesis Dental Accident Diabetic Supplies Hearing Aids

Coverage for your drug plan is dependent on your plan option and covers the cost of most medications legally requiring a prescription, to a maximum of $3,000 per benefit year.

Your drug plan includes coverage Smoking Cessation Products that legally require a prescription. Reimbursed at 80% to a lifetime maximum of $500.

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 NASA Formulary.

The NASA 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 by the Formulary are not effective in treating the 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 your Benefits Plan Office and must be completed by your physician. Completed forms may be returned to SA MacEwan Student Benefits Plan Office or can be faxed directly to the insurance company.

Request for Coverage of Exception Status Drug form

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

Your plan may cover up to 100% of the cost for the purchase of eyeglasses and/or contact lenses to a maximum of $100, once during a 24 month period, based on reasonable and customary charges. Coverage is dependent on your plan option.

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.

Select and Alternate Dental Providers
The dental benefits provided under the Select Dental Provider option are provided through a specific network of dental centres. If you choose one of the Select Dental Providers, your diagnostic & preventive dental benefits will be reimbursed at the level indicated below. Please contact the SA MacEwan Student Benefits Plan Office or use the "Find a Practitioner" option for a list of Select Dental Providers* where services can be received.

If you choose an Alternate Dental Provider (a dentist or dental centre not on the Select Dental Provider list) your diagnostic & preventive dental benefits will be reimbursed at the level indicated below.

*Please note: the list of Select Dental Providers may be subject to change.

If you need to cancel your dental appointment, 24 hours notice is expected. If you do not give 24 hours notice, the dental office may charge a fee which is not covered under the plan.

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

Maximum yearly coverage is dependent on your plan option. Please click myBenefits at a Glance button to check your plan coverage.
Please select an option to see details Diagnostic & Preventative Minor Restorative Major Restorative Endodontic, Periodontic and Oral Surgery

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.

Critical Illness*
Your plan provides coverage for a Critical Illness benefit of up to $5,000 which is paid upon diagnosis of a covered illness or injury and survival after 30 days, 365 days for paralysis and a 90 day waiting period for Cancer applies. This benefit is limited to students who are under age 65. For further details on this benefit, download your Critical Illness Brochure.

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 per 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, Critical Illness, Tuition and Tutorial benefits.

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 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 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

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 along with your Travel Assist card when opening a claim:
Group Policy Number: 1170258
Certificate Number: Your Macewan 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.

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.

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 is ordinarily a resident 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) expenses for drugs if they are used for the treatment of infertility;
12) expenses for the services of a homemaker;
13) expenses for items purchased solely for athletic use;
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) expenses for the regular treatment of an injury or disease which existed before the member's or dependent's departure from his/her province of residence;
17) immunizations and vaccines (Hepatitis B will be covered, except for Recombivax HB preservative free - DIN 02245976 and DIN 02245977); or
18) 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 dental care, treatment or supplies primarily for cosmetic purposes;
7) failing to keep scheduled appointments;
8) file transfers, the completion of claim forms or other documentation;
9) any dental treatment for the correction of temporomandibular joint dysfunction;
10) expenses for crowns placed on a tooth not functionally impaired by incisal angle or cuspal damage;
11) any dental procedure which is not listed in the descriptions of dental benefits indicated herein;
12) charges that are in excess of the fees stated in the Dental Association General Dentist Fee Guide applicable to this benefit;
13) where coverage for services is provided under any government plan; or
14) where services would be provided without charge in the absence of this plan.