Extended Health Coverage
Your extended health coverage runs for as long as you remain an enrolled and eligible student at NSCC. 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 at my.canadalife.com and update your address on your profile.
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.
Immunization is covered for the following vaccines:
- dTap (Diptheria, Tetanus, Pertussis)
- MMR (Measles-Mumps-Rubella)
- Varicella
- Hepatitis B
- TST (Tuberculin skin test)
- Meningitis B
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.
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| Vision |
- |
$100 for one eye examination and eyeglasses or contact lenses. The exam must be by an ophthalmologist or optometrist.
The vision coverage renews every 24 months from the initial date of service. Coverage is based on reasonable and customary charges.
Sunglasses, safety glasses or eyeglasses provided for cosmetic or aesthetic purposes are not covered by the plan.
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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 at 80% 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:
- Physiotherapist*
- Registered massage therapist*
- Speech language pathologist*
- Psychologist or social worker
- Chiropractor, including 1 x-ray examination per benefit year
- Osteopath, including 1 x-ray examination per benefit year
- Naturopath
*physician's or Nurse Practitioner prescription/referral required for indicated services
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| 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.
Eligible durable equipment includes, but is not limited to, items such as:
- Wheelchairs and wheelchair repairs
- Walkers
- Hospital beds
- Traction kits
- Braces, Crutches, Splints and Trusses. Not solely for athletic use.
- Orthopaedics:
- Maximum of $150 per benefit year for custom-fitted orthopaedic shoes, repairs and modifications when required for the correction of deformity of the bones and muscles.
- Provided the orthopaedics are not solely for athletic use and are prescribed by a physician, podiatrist, chiropodist, or chiropractor.
- Prosthesis:
Reasonable and customary charges for artificial limbs or other prosthetic appliances when prescribed by a physician.
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| 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.
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| Emergency Out of Country Travel Insurance |
100% |
Maximum of $2 million per lifetime of medical expenses incurred as a result of a medical emergency arising while you are traveling within or outside Canada for vacation, business or education purposes. To qualify for benefits, you must be covered by the government health plan in your home province or through your institution's comparable international health plan. For additional details on this benefit download your Travel Assist Brochure.
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.
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| Tutorial |
80% |
Maximum of $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 Tutorial benefits.
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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:
- 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 smoking cessation aids
- 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
- Preventative immunization vaccines and toxoids
- 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 NSCC. 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 at my.canadalife.com and update you address on your profile.
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 $300.
The following is the coverage for your Dental Plan:
| Dental Benefits |
Coverage |
| Diagnostic & Preventative |
70% |
- Recall examination
Once per benefit year
- One complete oral examination
Every 3 benefit years
- Complete series of x-rays (not eligible for dependents under 12) and periapical
Maximum of 16 films including bitewings, once in any period of 36 months
- Bitewings
Maximum of 4 films per benefit year
- Panoramic
Once 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
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| Minor Restorative |
60% |
- Space maintainers and maintenance
For children 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
For children 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
1 treatment in any period of 36 months
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| Oral Surgery |
50% |
- Extractions
Maximum of 2 wisdom teeth per benefit year
- Anaesthesia
Eligible when done in conjunction with oral surgical procedures
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| Endodontic |
20% |
|
| Periodontic and Other Oral Surgery |
20% |
- Occlusal equilibration
Maximum of 4 units per benefit year
- Periodontal appliances
Maximum of 1 appliance per arch in any period of 24 months
- Periodontal appliance repairs, maintenance and adjustments
Maximum of 4 adjustments per benefit year
- Other oral surgical services
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| 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.
No benefits are paid for:
- Accidental damage to dentures
- Dental treatment completed more than 12 months after the accident
- Orthodontic diagnostic services or treatment
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:
- Any cause for which the insured may apply for and receive protection, exemption or compensation under any Workers' 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