Extended Health Coverage
Your extended health coverage runs for as long as you remain an enrolled and eligible student at NorQuest College. For more information about enrollment and eligibility, please visit the Plan Enrollment section.
Plan Leaflet
Get a summary of eligible expenses and maximum reimbursements of your Health and Dental Plan.
Plan Card
Your Plan Card allows you direct billing with pharmacies and dental offices.
Select Savings
Get a student discount and save money on certain eligible services by visiting one of our members.
The following is the coverage for your Health Plan:
| Health Benefits |
Coverage |
| Prescription Drugs |
100% |
Maximum of $1500 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.
Your drug plan includes coverage at 80% for smoking cessation products that legally require a prescription to a lifetime maximum of $500.
Your drug plan includes $100 for vaccines every benefit year (included in overall prescription drug maximum of $1,500).
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 |
- |
- $65 for one eye examination. The exam must be by an ophthalmologist or optometrist.
- $150 for eyeglasses or contact lenses.
The vision coverage is every 24 months from the initial date of service based on reasonable and customary charges.
|
| Paramedical Practitioners |
100% |
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 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.
Practitioners:
- Acupuncture
- Physiotherapist or athletic therapy
- Registered massage therapist
- Speech language pathologist
- Chiropractor, including 1 x-ray examination per benefit year
- Naturopath
- Psychologist or social worker
|
| 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 and wheelchair repairs (lifetime maximum of $250)
- Walkers
- Hospital beds
- Traction kits
- Braces, Crutches, Splints and Trusses. Not solely for athletic use.
- Orthopaedics: maximum of $150 per benefit year for Custom-Made Orthopaedic shoes 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 are covered without a prescription.
- Prosthesis:
reasonable and customary charges when prescribed by a physician for artificial limbs or other prosthetic appliances.
|
| Ambulance |
100% |
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 Travel Assistance - 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.
Policy Number: SRG 9429075
Classes of Eligible Persons:
A Class of Eligible Participants who are individuals:
- who are covered by a Government Health Insurance Plan (GHIP) of a Canadian province or territory or equivalent;
- who are under the age of seventy (70);
- who are members of one (1) of the following classes of Participants:
- Class I: Domestic Undergraduate Students; and
- Class II: Foreign Undergraduate Students
Spouse and Dependent Children of a person within a Class of Eligible Participants who are covered by a Government Health Insurance Plan (GHIP) of a Canadian province or territory or equivalent, are eligible if additional family health coverage was purchased for the current benefit period.
|
| Other Insurance |
- |
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 health and dental plan office for a complete schedule of losses.
You may become eligible for a Tuition Benefit if a disability exclusively prevents you from being able to carry on your usual studies for at least 60 consecutive days and you receive continuous treatment by a physician or specialist during that time. Benefits are payable only for the current academic period.
If, before you became insured for this benefit, you obtained medical care for the disease or injury causing your disability, you will not be eligible for the benefit unless:
- You become disabled after you have been continuously insured under this benefit for one year, or
- you did not obtain medical care for the disease or injury for a continuous period of 90 days ending on or after the date you became insured for this benefit.
Please contact the Student Benefits Office regarding Tuition Insurance Claims as it falls within a specific category of claims which involve specialized claim forms that will be supplied to you.
Your plan covers 80% up to $15 per hour to a maximum of $1,000 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.
No benefit is payable for:
- Expenses for which benefits are payable under a Workers' Compensation Act or a similar statute
- Expenses incurred due to intentionally self-inflicted injuries
- Expenses incurred due to civil disorder or war, whether or not war was declared
- Expenses incurred due to committing a criminal offense or provoking an assault
- Expenses for which benefits are payable under a government plan
- Expenses for benefits which are legally prohibited by the government from coverage
- Services or supplies received outside of Canada
- Expenses for drugs which, in the insurer's opinion, are experimental
- Expenses for dietary supplements, vitamins and infant foods
- Expenses for contraceptives (other than oral)
- Expenses for drugs if they are used for the treatment of infertility
- Expenses for "in vitro" or "in vivo" procedures, or any other infertility procedures
- Dental expenses, except those specifically provided under eligible expenses for treatment of accidental injuries to natural teeth
- Utilization fees which are imposed by the Provincial Health Care Plan for the use of a service
- 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
- Any other exclusion identified in the policy contract
Dental Coverage
Your dental coverage runs for as long as you remain an enrolled and eligible student at NorQuest College. For more information about enrollment and eligibility, please visit the Plan Enrollment section.
Plan Leaflet
Get a summary of eligible expenses and maximum reimbursements of your Health and Dental Plan.
Plan Card
Your Plan Card allows you direct billing with pharmacies and dental offices.
Select Savings
Get a student discount and save money on certain eligible services by visiting one of our members.
The following is the coverage for your Dental Plan:
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.
| Dental Benefits |
Coverage |
| Diagnostic & Preventative |
80% |
- Recall examination
1 per benefit year
- Initial or complete exams
Once every 36 months
- Specific or emergency exams
- Complete series of x-rays
(Not eligible for dependents under 12) and periapical, Maximum 16 films including bitewings, 1 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, 1 treatment 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
- Anaesthesia
Eligible when done in conjunction with a covered dental procedure
|
| Minor Restorative |
70% |
- 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
- Recementation of existing restorations
- Denture adjustments and repairs
- Relining, rebasing and tissue conditioning
One treatment in any period of 36 months
|
| Endodontic, Periodontic and Oral Surgery |
50% |
- Endodontic
- Periodontic
- Additional scaling and/or root planing
Maximum 5 units per benefit year
- 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
- Oral Surgery
- Extractions
Maximum 2 wisdom teeth per benefit year
- Anaesthesia
Eligible when done in conjunction with Oral Surgery
- Other oral surgical services
|
| Dental Accident |
100% |
The plan covers 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. If a dental accident occurs, the health plan's dental accident provision will pay benefits before the dental plan.
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 the dental accident.
|
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:
- Any cause for which the insured may apply for and receive protection, exemption or compensation under any Worker' Compensation Act
- Self-inflicted injuries while sane or insane
- War, insurrection or hostilities of any kind, whether or not the insured was a participant in such actions
- Participation in any riot or civil commotion
- Services or supplies received outside of Canada
- Committing or attempting to commit a criminal offence or provoking an assault
- Any group or policyholder sponsored dental care or treatment
- Any dental care, treatment or supplies primarily for cosmetic purposes
- Failing to keep scheduled appointments
- File transfers, the completion of claim forms or other documentation
- Any dental treatment for the correction of temporomandibular joint dysfunction
- Replacement of mislaid, lost or stolen appliances
- 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
- Any services or supplies for implantology, including tooth implantation and surgical insertion of fabricated implants
- Any dental procedure which is not listed in the descriptions of dental benefits indicated herein
- Charges that are in excess of the fees stated in the Dental Association General Dentist Fee Guide applicable to this benefit
- Where coverage for services is provided under any government plan
- Where services would be provided without charge in the absence of this policy
- Any other exclusions identified in the policy contract