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myBenefits


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

Domestic and International Students


International Students Only


myBenefits at a Glance

The highlights below are provided as general information. Coverage for eligible costs is based on the contract detail. Select the benefit for additional coverage details.

Ambulance:
Reimbursed at 100% of reasonable and customary charges.
(please click Supplemental Health for details)

Prescription Drugs:
Reimbursed at 80% to a maximum of $3000 per benefit year. Based on the SK Provincial Formulary with a generic rider.
(please click Prescription Drugs for details)

Private Duty Nurse:
Reimbursed at 100% to a maximum of $25,000 in 3 consecutive benefit years.
(please click Supplemental Health for details)

Vision:
Reimbursed at 100%, $50 for one eye exam every 2 benefit years, $100 for glasses or contact lenses every 24 months, $150 for laser eye surgery per benefit year.
(please click Vision for details)

Health Practitioners:
The services of paramedical practitioners are reimbursed at 100%. Services may include a per visit and an overall plan benefit year maximum. Each service has an overall plan maximum of $400 based on reasonable and customary charges, per benefit year. Practitioners must be registered and licensed in their field of practice.
(please click Supplemental Health for details)

Hospital:
Reimbursed at 100% for the cost of a semi private room.
(please click Supplemental Health for details)

Medical Equipment & Supplies:
Reimbursed at 100%. A physician's prescription is required. Pre-authorization is suggested.
(please click Supplemental Health for details)

Dental Accident:
Reimbursed at 100% of eligible expenses and reasonable and customary charges, services must be performed within 12 months of the accident.
(please click Supplemental Health for details)

Dental Coverage:
Exams covered at 80% once per benefit year. Overall plan maximum of $750 per benefit year.
(please click Dental for details)

Accidental Death & Dismemberment:
$5,000 loss of life benefit.
(please click Other Insurances for details)

Travel Insurance:
$5 million of coverage for emergencies and illnesses while traveling.
(please click Travel Insurances for details)

Tutorial:
After 15 days of confinement due to illness or injury.
(please click Other Insurances for details)

NOTE: In the event of any discrepancy between the information herein and our contract with the insurer, the terms of the contract will apply.

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

International Student Emergency Plan

Parkland International Student Emergency - Studyinsured – My Canada Plan

Organization: Parkland College

In case of an emergency contact Intrepid 24/7 for assistance: intrepid@intrepid247.com
Toll Free: 1 (833) 366 0873
Direct Dial Collect - 1 (416) 987 2247

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 – PREMIUM PLAN



Annual Maximum   $2,000,000
 Hospital  100%
Physician and Diagnostic Procedures  100%
Prescription Drugs  Outpatient: 100% up to 60 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 after 6 months continuous coverage
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
Emergencies due to Alcohol/Legal Substance Abuse  100%, Emergency medical services covered up to $50,000 [excludes use of illegal drugs/substances, and illegal activity committed by the insured, such as operating a vehicle while impaired]
Eye Examination  Once per policy year to $100 maximum after 6 months continuous coverage
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 routine care of the pre-existing condition.

Supplemental Health

All benefits payable through the Student Plan are based on reasonable and customary charges.



Ambulance
Your plan covers of 100% of reasonable and customary charges for a licensed ambulance or emergency 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.

Diagnostic Services
Your plan covers 100%, based on reasonable and customary charges for diagnostic laboratory and x-ray procedures, including radiotherapy and coagulotherapy, performed in the student's province of residence are covered when coverage is not available under a government provincial plan.

Hospital
Your plan covers 100% of the cost of an upgrade from a public ward to a semi-private room in the province of Saskatchewan. Other hospital charges incurred during a person's hospital stay are covered to a maximum of $25 per day, for a maximum of 30 days per period of hospitalization.

Custom-Made Orthotics
Your plan covers 100% to a maximum of $350 per benefit year custom-made foot orthotics, when prescribed by a physician, podiatrist, chiropodist or chiropractor.

Private Duty Nursing
Your plans covers 100% to a maximum of $25,000 every 3 consecutive benefit years for the services of a Private Duty Nurse, when certified in writing as medically necessary by the attending physician. To establish the amount of coverage available under this policy, we suggest that prior to initiating home care, the student submit a pre-care assessment to the Carrier.

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 100% up to $40 per visit to a maximum of $400 based on reasonable and customary charges, per benefit year.

• physiotherapist
• registered massage therapist*
• speech therapist
• psychologist or social worker
• chiropractor, including 1 x-ray examination per benefit year
• osteopath, including 1 x-ray examination per benefit year
• naturopath
• licensed dietician*
• podiatrist, including one x-ray exam per benefit year
• chiropodist, including one x-ray exam per benefit year
• athletic therapist

*physician’s prescription/referral required for indicated services
Medical Equipment & 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 100%, based on 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
• walkers
• hospital beds
• iron lung
• respirator
• braces, crutches, splints & trusses
• artificial limbs & eyes
• other approved prosthetic devices
Braces, Crutches, Splints, Trusses
Your plan covers 100% of reasonable and customary charges for braces, provided they are not solely for athletic use. It is recommended that an application for pre-approval be submitted to the insurer.
Prosthesis
Your plan covers 100% of reasonable and customary charges for artificial limbs or other prosthetic appliances. It is recommended that an application for pre-approval be submitted to the insurer.
Orthopaedics*
Your plan covers 100% to a maximum of $500 per benefit year for custom-made orthopaedic shoes, repairs and modifications when 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.

*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 100% of the cost of the services of a dental surgeon (services must be performed within 12 months of the accident), 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. Provided the services are performed within 12 months of the accident but excluding services required in conjunction with such injuries due to a condition that existed before the accident. Implants and treatment related to implants are not covered. If a dental accident occurs, the health plan’s dental accident provision will pay benefits before the dental plan.

In the event of a dental accident, you must complete a Standard Dental Association claim form. When making a claim, be sure to attach all original receipts to the claim form. The claim form can be mailed directly to the insurance company.

Saskatchewan Special Support Program

Coverage is available to Saskatchewan residents whose drug costs are high in relation to their family income. Saskatchewan residents must apply every year to the province for coverage under the program. Residents will receive a letter from the province approving coverage and confirming the deductible amount and the percentage of formulary drug costs that they are responsible for.

The deductible is the amount residents are required to pay before the Saskatchewan Special Support Program starts paying a portion of their drug claims. Deductible amount depends on family income and drug costs. The student plan will cover the claimant's provincial deductible amount for drugs covered.

Applying for coverage through the Saskatchewan Special Support Program: Students can complete a one time application for coverage through the SSP which they provide consent to allow the Canada Revenue Agency (CRA) to release income data to Saskatchewan Health in order to determine co-payment and deductible amounts. Applications are available online at: Special Support Services and at local Pharmacies.

Saskatchewan Special Support Program & The Student Health Plan: Students will be required to complete the SSP application prior to receiving their myBenefits Card. Once the application is completed, please contact Gallivan & Associates.

Once you receive your myBenefits Card students can begin using it at the pharmacy. Students within the standard validation period for their semester period of enrollment will be able to access their benefits upon completion of the validation period. Claims will automatically be assessed first through Saskatchewan Health using the student's health card number and any outstanding portion will then be submitted electronically to Canada Life via the myBenefits Card.

Prescription Drugs

Your drug plan covers 80% of the cost of most medications legally requiring a prescription to a maximum of $3000 per benefit year. Based on the SK Provincial Formulary with a generic rider.

Your drug plan also includes additional coverage for smoking cessation products legally requiring a prescription, up to a maximum of $500 per benefit year.

Vaccinations are covered at 100% up to $150 per benefit year. Administration costs associated with providing the injection are not covered.

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 SK Provincial Formulary.

The SK Provincial 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 are not effective in treating your 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 and must be completed by your physician. Completed forms may be returned to the On Campus Health & Dental Plan Office or can be faxed directly to the insurance company.

Request for Coverage of Exception Status Drug form

vision

Your plan covers 100% of the cost of the following vision care expenses:

a) one optometric examination by an optometrist or ophthalmologist every 2 benefit years to a maximum of $50;

b) standard eye glass lenses and frames (single vision or bifocal as required) when prescribed by an opthalmologist or a licensed optometrist to a maximum of $100 in any consecutive 24 months any one insured;

c) laser eye surgery performed by an opthalmologist, to a maximum of $150 per benefit year; and

d) one pair of eyeglasses following cataract surgery up to a maximum of $200 per person per surgery.

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. Exams covered at 80% once per benefit year.




Preventative Services

Your plan covers 80% for preventative services, including:
• recall examination, once every 12 months
• initial or complete exams, once every 36 months
• specific or emergency exams
• complete series of x-rays and periapical, up to 16 films including bitewings, 1 in any period of 36 months
• bitewings, not more than 4 films every 12 months
• panoramic, 1 in any period of 36 months
• polishing, 1 unit every 12 months
• scaling, 4 units per benefit year
• fluoride, every 12 months
• oral hygiene instruction, once every 12 months
• pit and fissure sealants
• removal of impacted teeth
• anaesthesia, eligible when done in conjunction with a covered dental procedure
• space maintainers and maintenance, under 15 years of age
Basic Services
Your plan covers 70% for basice services, including:
• fillings; amalgam, composite, acrylic or equivalent. You are only covered for composite fillings
in front teeth and pre-molars
Other Basic Services
Your plan covers 60% for other basic services, including:
• extractions, anaesthesia, eligible when done in conjunction with oral surgical procedures.
Except removal of impacted teeth which is covered under Preventative Services.
• root canal therapy
• prefabricated metal restorations and repairs to prefabricated metal restorations other than in conjunction with the placement of permanent crowns
• root canal therapy
• root planing and occlusal equilibration are each limited to 8 units per benefit year
• oral surgery
Extractions
Your plan covers 50% for services associated 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 50% for endodontic services including:
• root canal therapy
Periodontic
Your plan covers 50% for periodontic services including:
• additional scaling and/or root planing, maximum of 2 units per benefit year
• occlusal equilibration, not more than 4 units per benefit year
• periodontal appliances, not more than 1 appliance per arch in any 24 month period
• periodontal appliance repairs, maintenance and adjustments, 4 adjustments per benefit year
• oral surgical procedures
• anaesthesia, eligible when done in conjunction with oral surgical procedures

Travel Insurances

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 9429069
  • 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 Insurances

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 Gallivan for a complete schedule of losses.

Tutorial*
Your plan covers 100% up to $10 per hour to a maximum of $300 per benefit year for private tutorial service if the student is confined to home or hospital for a minimum of 7 consecutive school days. After 15 days of confinement due to illness or injury.

*Applicable to the Student only. Family members are not eligible for reimbursement of the tutorial benefit.

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

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 incurred due to committing a criminal offense or provoking an assault;
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) Services or supplies received outside of Canada;
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 and intrauterine devices);
11) expenses for drugs if they are used for the treatment of infertility;
12) expenses for "in vitro" or "in vivo" procedures, or any other infertility procedures;
13) dental expenses, except those specifically provided under eligible expenses for treatment of accidental injuries to natural teeth;
14) utilization fees which are imposed by the Provincial Health Care Plan for the use of a service;
15) 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; or
16) 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) Services or supplies received outside of Canada;
6) committing or attempting to commit a criminal offence or provoking an assault;
7) any group or policyholder sponsored dental care or treatment;
8) any dental care, treatment or supplies primarily for cosmetic purposes;
9) failing to keep scheduled appointments;
10) file transfers, the completion of claim forms or other documentation;
11) any dental treatment for the correction of temporomandibular joint dysfunction;
12) replacement of mislaid, lost or stolen appliances;
13) 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;
14) any services or supplies for implantology, including tooth implantation and surgical insertion of fabricated implants;
15) any dental procedure which is not listed in the descriptions of dental benefits indicated herein;
16) charges that are in excess of the fees stated in the Dental Association General Dentist Fee Guide applicable to this benefit;
17) where coverage for services is provided under any government plan;
18) where services would be provided without charge in the absence of this policy; or
19) any other exclusions identified in the policy contract.

Service Members


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