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myBenefits

Click here to download the Health & Dental Plan coverage leaflet for the 2022-2023 Benefit Year.

New virtual health care service included as part of the health plan, to learn more visit the My Virtual Doctor website.

Extended Health & Dental Plan
Domestic & International Students



Emergency Health Insurance Plan
International Students Only



Repatriation

International Student Repatriation Insurance

This benefit is applies to all international students who are not enrolled in the International Student Emergency Health Plan.

Repatriation Policy Document

Tuition 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.

You may become eligible for Tuition Insurance if you cannot continue your studies because of a prolonged injury, disease or death, which 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 the claim is made.

Eligibility:
  • You must be enrolled in the Health Plan
  • Unable to continue your studies under the care of a physician for at least 60 days
  • Able to provide appropriate documentation upon request
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:

1. you become disabled after you have been continuously insured under this benefit for one year, or
2. 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

myBenefits at a Glance


The highlights below are provided as general information. Coverage for eligible costs are based on the contract detail. Reasonable and customary rates will be applied. Select the benefit for additional coverage details.

Ambulance:
Reimbursed at 80% to a maximum of $250 per occurrence.

Vision:
Reimbursed at 100% to a combined maximum of $100 every 24 months for an eye exam, glasses or contact lenses.

Prescription Drugs:
Based on the National Formulary with a generic rider. Reimbursed at 70% to a maximum of $3,000 per benefit year.

Health Practitioners:
The services of paramedical practitioners are reimbursed at 80%. Services may include a per visit and an overall plan benefit year maximum. Each service has an overall plan maximum of $300 based on reasonable and customary charges, per benefit year. Practitioners must be registered and licensed in their field of practice.

Medical Equipment & Supplies:
Reimbursed at 80%. A physician's prescription is required. Pre-authorization is suggested.

Dental Coverage:
Exams covered at 70% once per benefit year. Overall plan maximum of $750 per benefit year.

Dental Accident:
Reimbursed at 80% to a maximum of $1,000 per accident.
(services must be performed within 12 months of accident; authorization required)

Travel Insurance:
$2 million of coverage for emergencies and illnesses while travelling.

Tutorial:
After 15 days of confinement due to illness or injury.


NOTE: In the event of any discrepancy between the information herein and our contract with the insurer, the terms of the contract will apply.
 Advantage Plan MSH INTERNATIONAL Premium per day   DCIS service fee per day Total daily cost   Total Annual Cost
 Single (student only)  $1.55  20¢  $1.75  $638.75
 Couple = Student plus one eligible dependent*  $3.10  20¢  $3.30  $1,204.50
 Family = Student plus two or more eligible dependents*  $3.88  20¢  $4.08  $1,489.20

Emergency Health Insurance

Please note: this benefit is only available to international students who have not opted out of this coverage.

Review My Canada Plan Policy Document

BASIC ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)


 Benefit Schedule  Flat amount of $50,000; optional coverage up to $200,000
 Maximum Benefit  $200,000 (amount over $50,000 optional at extra cost)
 Termination Age  70

Medical


Annual Maximum   $2,000,000
 Hospital  100%
Physician and Diagnostic Procedures  100%
Prescription Drugs  Outpatient: 100% up to 30 day supply per class of prescription drug, Inpatient:  included when due to covered sickness or injury.
Annual Check-up  One visit up to $175 per policy year if coverage period is six or more continuous months
Inpatient Psychotherapy  Up to $25,000 per policy year
Outpatient Psychiatrist or Psychologist   Up to $2,500 per policy year
Paramedical Services  $500 per practitioner for chiropractor, osteopath, naturopath, acupuncturist, chiropodist and podiatrist for charges outside of Hospital.  Includes coverage for x-rays.
Physiotherapy and Speech Therapy  $1,000 combined maximum for charges outside of Hospital
Local Ambulance  Full cost of licensed ambulance service to nearest hospital and emergency transfers between hospitals including user fee, OR taxi fare to or from a hospital or medical clinic for eligible medical care to a maximum $100.  
Medical Equipment and Supplies  When required due to an emergency sickness or injury - Purchase of medical supplies including dressings and prosthetic appliances; rental charges for wheelchairs, crutches, hospital beds or other appliances not to exceed purchase price.  Up to $200 for prescription glasses or contact lenses or up to $300 for hearing aids.  Up to $300 for custom orthotics or up to $800 for custom knee braces.  
Emergency Dental   Up to $600 for relief of pain and suffering
Dental Accident  Up to $4,000 for dental treatment due to an accidental blow to the mouth
HIV/AIDS  Up to $10,000 per lifetime for expenses incurred as a result of a positive HIV, AIDS or ARC diagnosis made after coverage commenced
Eye Examination  Once per policy year to $100 maximum if coverage period is six or more continuous months
Maternity Care  Pre-natal care, complications, delivery and involuntary termination to a combined maximum of $25,000 when pregnancy commences during period of coverage. . For pregnancies commencing prior to cover effective date:  coverage for emergency complications up to maximum $5,000 for first 32 weeks of pregnancy.
Air Evacuation  Cost of transport to nearest hospital or a hospital in Home Country
Exceptional Hospitalization Benefit  Up to $50,000 lifetime aggregate for hospital medical and/or psychiatric treatment if admitted to hospital for suicide, attempted suicide, self-inflicted injuries, mental or emotional disorders (including but not limited to stress, anxiety, panic attacks, depression, eating disorders or weight problems) or psychiatric treatment
Private Duty Nursing Care  Up to $15,000 for services of Registered Nurse, Registered Nurse Assistant or Home Care Worker
Wart Treatment  Up to $500 (excluding treatment solely for cosmetic result)
Tutorial Expenses  Up to $15 per hour to maximum $500 for private tutorial services when confined to home or hospital for 30 consecutive days due to sickness or injury.  
Trauma Counselling  Up to 6 sessions of trauma counselling within 90 days of accident covered under AD&D benefit that occurred during the coverage period
Family Transportation and Subsistence Allowance  Up to $5,000 for round trip transportation for two persons; Includes up to $1,500 for commercial accommodation and meals
Repatriation or Burial of Deceased  Up to $15,000 towards preparation and return of remains to home country or up to $5,000 for cost for cremation or burial in host country
Return Home due to Family Emergency  Up to $2,500 for round trip transportation 
Outside Canada  Includes excursions outside Canada to 90 cumulative days per year with excursions the USA limited to 30 cumulative days per year.  No coverage in Home country unless part of school or training program. 
Pre-existing Conditions  Includes expenses that are medically recognized as emergency care of the pre-existing condition.
Coverage in Home Country  For Canadians returning to Canada coverage extended for 90 days until provincial healthcare becomes available

Medical Services & Supplies
It is recommended that an application for pre-approval be submitted to the insurer for any item that would be claimed under the Medical Services & Supplies benefit.

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
• walkers
• hospital beds
• traction kits

Braces, Crutches, Splints, Trusses
Your plan covers 80% of reasonable and customary charges when prescribed by a physician and are not solely for athletic use for braces, crutches, splints, and trusses.

Prosthesis
Your plan covers 80% of reasonable and customary charges when prescribed by a physician for artificial limbs or other prosthetic appliances.

Orthopaedics*
Your plan covers 80% up to a 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.

*IMPORTANT It is strongly recommended that a pre-determination/estimate be submitted to Canada Life to ensure that the guidelines set out by Canada Life for the payment of Orthopaedics are met and to confirm that your claim would be eligible.

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 80% 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. Dental Accident benefits are payable through the Health plan and limited to $1,000 per accident.

Prescription Drug

Your drug plan covers 70% of the cost of most medications legally requiring a prescription to a maximum of $3,000 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.

IMPORTANT! Advise your doctor and pharmacist that you are on the National Formulary
.

The National 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 NSCC Student Benefits Plan Office and must be completed by your physician. Completed forms may be returned to your NSCC Student Benefits Plan Office or can be faxed directly to the insurance company.

Request for Coverage of Exception Status Drug form

Immunization


Immunization is covered for the following vaccines:
  • dTap (Diptheria, Tetanus, Pertussis)
  • MMR (Measles-Mumps-Rubella)
  • Varicella
  • Hepatitis B
  • TST (Tuberculin skin test)
  • Meningitis B

Vision

Your plan covers 100% of the cost of one eye examination, eyeglasses or contact lenses by an ophthalmologist or optometrist, limited to a combined maximum of $100 in a 24 month period for a cost that is considered reasonable and customary.

Dental

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.

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

Your plan covers up to a maximum of $750 per benefit year.



Diagnostic & Preventative
Your plan covers 70% of diagnostic and preventative procedures including:
• recall examination, 1 per benefit year
• one complete oral examination every 3 benefit years
• complete series of x-rays (not eligible for dependents under 12) and periapical, up to 16 films including bitewings, 1 in any period of 36 months
• bitewings, not more than 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
Your plan covers 60% for services associated with dental health restoration, including:
• 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, one treatment in any period of 36 months
Oral Surgery
Your plan covers 50% for services associated with surgical extractions, including:
• extractions, not more than 2 wisdom teeth per benefit year
• anaesthesia, eligible when done in conjunction with oral surgical procedures
Endodontic
Your plan covers 20% for endodontic services including:
• root canal therapy
Periodontic and Other Oral Surgery
Your plan covers 20% for periodontic and other oral surgery services including:
• occlusal equilibration, not more than 4 units per benefit year
• periodontal appliances, not more than 1 appliance per arch in any period of 24 months
• periodontal appliance repairs, maintenance and adjustments, not more than 4 adjustments per benefit year
• other oral surgical services

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 Tutorial benefits.

Travel Insurance

Emergency Out of Country Travel Insurance
Your plan covers 100% up to a 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.

For information on COVID-specific conditions to your Travel Insurance coverage, please click here.

Personal Health Risk Assessment

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.

Exclusions


Supplemental Health




Ambulance
Your plan covers of 80% to a maximum of $250 per occurrence 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% up to $30 per visit to a maximum of $300 based on reasonable and customary charges, per practitioner, per benefit year.

• 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

Medical Services & Supplies
It is recommended that an application for pre-approval be submitted to the insurer for any item that would be claimed under the Medical Services & Supplies benefit.

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
• walkers
• hospital beds
• traction kits

Braces, Crutches, Splints, Trusses
Your plan covers 80% of reasonable and customary charges when prescribed by a physician and are not solely for athletic use for braces, crutches, splints, and trusses.

Prosthesis
Your plan covers 80% of reasonable and customary charges when prescribed by a physician for artificial limbs or other prosthetic appliances.

Orthopaedics*
Your plan covers 80% up to a 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.

*IMPORTANT It is strongly recommended that a pre-determination/estimate be submitted to Canada Life to ensure that the guidelines set out by Canada Life for the payment of Orthopaedics are met and to confirm that your claim would be eligible.

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 80% 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. Dental Accident benefits are payable through the Health plan and limited to $1,000 per accident.