Extended Health Coverage
Your extended health coverage runs for as long as you remain an eligible student at Parkland College. 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 on the my.canadalife.com and update your 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 |
80% |
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.
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.
Advise your doctor and pharmacist that you are on the Saskatchewan Provincial 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 |
- |
- $50 for one eye examination. The exam must be by an ophthalmologist or optometrist.
- $100 for standard eye glass lenses and frames (single vision or bifocal as required).
- $150 for laser eye surgery performed by an opthalmologist per benefits year.
- $200 for one pair of eyeglasses following cataract surgery per surgery.
The eye examination and the standard eye glass lenses and frames coverage renew every 24 months from the initial date of service. Coverage is 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 up to $40 per visit to a maximum of $400 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 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 or Nurse Practitioner prescription/referral required for indicated services
|
| 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
- Walkers
- Hospital beds
- Iron lung
- Respirator
- Braces, Crutches, Splints and Trusses. Not solely for athletic use.
- Orthopaedics: 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.
- Custom-Made Orthotics: Maximum of $350 per benefit year custom-made foot orthotics.
- Prosthesis:
Reasonable and customary charges for artificial limbs, eyes or other prosthetic appliances when prescribed by a physician.
|
| Hospital |
100% |
Your plan covers 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.
|
| Private Duty Nursing |
100% |
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.
|
| Diagnostic Services |
100% |
Your plan covers diagnostic laboratory and x-ray procedures, including radiotherapy and coagulotherapy based on reasonable and customary charges, performed in the student's province of residence are covered when coverage is not available under a government provincial plan.
|
| Ambulance |
100% |
This coverage is applied after the provincial deduction.
The plan covers 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.
|
| 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.
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 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 Benefits Plan Ofice for a complete schedule of losses.
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 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 and intrauterine devices)
- 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 eligible student at Parkland College. 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 on the my.canadalife.com and update your 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 $750 per benefit year. Please submit an estimate/pre-authorization prior to any dental treatment plan exceeding $500.
The following is the coverage for your Dental Plan:
| Dental Benefits |
Coverage |
| Preventative Services |
80% |
- 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
Maximum 16 films including bitewings, 1 in any period of 36 months
- Bitewings
Maximum 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 |
70% |
- Fillings - amalgam, composite, acrylic or equivalent.
You are only covered for composite fillings in front teeth and pre-molars
|
| Other Basic Services |
60% |
- extractions and anaesthesia
Eligible when done in conjunction with oral surgical procedures. Except removal of impacted teeth which is covered under Preventative Services.
- 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
|
| Dental Accident |
100% |
The plan covers 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.
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.
|
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
Emergency Transportation and Repatriation Coverage
International students who are not enrolled in the International Student Emergency Plan are automatically enrolled in the Emergency Transportation and Repatriation Plan. This plan covers international students in the event of an accident, sickness, injury, critical illness, or death, and need to return to their home country or country of citizenship.
Eligible students enrolled in the Emergency Transportation and Repatriation Plan will receive the plan card and the policy document by email. Students will receive this information at their Parkland College email address.