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Plan Details

The Student Plan covers prescription drugs, vision, dental care, paramedical practitioners, ambulance, and medical equipment & supplies, among others.

Extended Health Coverage

Your extended health coverage runs for as long as you remain an enrolled and eligible student at New Brunswick Community College The plan is provided by The NBCC Student Union. Download the Extended Health & Dental Plan coverage leaflet for the 2022-2023 academic year.

Your myBenefits Card allows you direct billing with pharmacies and dental offices. To access direct billing at paramedical practitioners or vision care services, you must register on the my.canadalife.ca and update you 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 70%

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 National 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.

Vision 100%
  • $100 for one eye examination. The exam must be by an ophthalmologist or optometrist.
  • $100 for eyeglasses or contact lenses.

The vision coverage renews every 24 months from the initial date of service. Coverage is based on reasonable and customary charges.

Paramedical Practitioners 90%

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 a maximum of $500 based on reasonable and customary charges, per practitioner, per benefit year.

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

Mental Health Practitioners 90%

The services of a psychologist or social worker are covered to a maximum of $500 based on reasonable and customary charges per benefit year.

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

Medical Equipment & Supplies 80%

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.

Ambulance 80%

To a maximum of $250 per occurrence. This coverage is applied after the provincial deduction.

The plan covers a licensed ground ambulance or emergency air service that transports the patient (student) 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.

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 9429076
  • 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.

Other Insurance -

The student plan also offers tutorial insurance:

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.

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.

Dental Coverage

Your dental coverage runs for as long as you remain an enrolled and eligible student at New Brunswick Community College The plan is provided by The NBCC Student Union. Download the Extended Health & Dental Plan coverage leaflet for the 2022-2023 academic year.

Your myBenefits Card allows you direct billing with pharmacies and dental offices. To access direct billing at paramedical practitioners or vision care services, you must register on the my.canadalife.ca and update you 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 $900 per benefit year. Please submit an estimate/pre-authorization prior to any dental treatment plan exceeding $300.

The following is the coverage for your Dental Plan:

Dental Benefits Coverage
Diagnostic & Preventative 80%
  • 1 recall examination per benefit year.
  • Initial or complete examination, once every 36 months.
  • Complete series of x-rays and periapical
    Maximum 16 films including bitewings in any period of 36 months. Not eligible for dependants under 12 and periapical.
  • Bitewings
    Maximum 4 films per benefit year.
  • Panoramic
    1 in any period of 36 months.
  • Scaling
    2 units per benefit year.
  • Polishing
    1 unit per benefit year.
  • Oral hygiene instruction
    1 treatment per lifetime.
  • Fluoride
    Under 19 years of age, 2 treatments per benefit year.
  • Pit and fissure sealants
    Under 19 years of age, 1 per molar in any period of 36 months.
  • Anaesthesia
    Eligible when done in conjunction with a covered dental procedure.
Minor Restorative 60%
  • 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.
Oral Surgery 50%
  • Extractions
    Maximum 2 wisdom teeth per benefit year.
  • Anaesthesia
    Eligible when done in conjunction with oral surgical procedures
Endodontic 20%
  • Root canal therapy
Periodontic 20%
  • 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
  • Dental Accident 80%

    Limited to $1000 per accident. The plan covers 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 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.

    This coverage is under the Health Plan. You must be enrolled in the Health Plan to claim for dental accidents.

    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 Health Plan. it's important to review and understand exclusions to the plan before using your benefits.