Extended Health Coverage
Your extended health coverage runs for as long as you remain an enrolled and eligible student at the University of Western Ontario. 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 |
80% |
Maximum of $3,000 per benefit year and a maximum Dispensing Fee of $9,64. The maximum amount payable to an eligible brand-name drug will be limited to the lowest-priced item in the appropriate generic category.
Vaccines are covered up to $300 per benefit year.
Advise your doctor and pharmacist that you are on the NASA Formulary.
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 and complete the Drug Exception Form.
Prescription Search Tool
Please use our Prescription Drug Search Tool to find out if your medication is covered by the plan.
|
| Vision |
100% |
- $70 for one eye examination. The exam must be by an ophthalmologist or optometrist.
- $100 for eyeglasses and/or contact lenses. Laser eye surgery in lieu of lenses, and frames will also be covered, up to the Benefit of Maximum.
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 at $40 per visit, $500 maximum per benefit year for all practitioners combined.
Practitioners must be registered and licensed in their field of practice.
|
| Counselling |
100% |
Maximum $1,200 per benefit year combined for the following providers:
- Licensed Psychologist
- Social Worker or
- Psychotherapist
|
| Medical Equipment & Supplies |
80% |
Maximum of $1,000 of reasonable and customary charges for eligible equipment when prescribed by a physician, podiatrist, chiropodist, or chiropractor.
Prescription and pre-authorization may be required. Not solely for athletic use.
|
| Orthopaedics |
50% |
Maximium of $200 per plan year combined for Orthopaedic Shoes and Custom-Made Orthotics.
Pre-authorization may be required.
|
| Ambulance |
80% |
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. 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 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, classes I and II. When travel is required to complete a course of study, coverage can be extended to 365 days, classes III and IV, following confirmation from your academic supervisor. Please check with your campus administrator at healthdental@westernusc.ca for details 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 9429073
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; and
- Class III: Domestic Students travelling for or on exchange; and
- Class IV: International Students travelling for or on exchange.
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.
|
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 the exclusions of the plan before using your benefits.
Dental Coverage
Your dental coverage runs for as long as you remain an enrolled and eligible student at the University of Western Ontario. 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 to 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% |
- Complete oral examinations
Once every benefit year
- Emergency and specific oral examinations
- Full series X-rays and panoramic X-rays
Once every 3 years
- Bitewing X-rays
Once per benefit year
- Recall examinations
Once per benefit year
- Cleaning of teeth
Maximum 1 unit of polishing and 4 units of scaling once per benefit year
- Fluoride
Once per benefit year for covered dependents 16 years of age and under
- Oral hygiene instruction
Once per lifetime
- Pit and fissure sealants
Once in a 36-month period for covered dependents 16 years of age and under
- space maintainer
Once per space for covered dependents 14 years of age and under
|
| Minor Restorative |
80% |
- Amalgam, silicate and composite fillings
- Tooth-coloured fillings
|
| Oral Surgery |
50% |
Extractions of impacted teeth and/or residual roots
|
| 10% |
Minor surgical procedures, simple extractions, and post-surgical care.
|
| Anesthesia |
80% |
Eligible when done in conjunction with a covered dental procedure.
|
| Periodontic |
80% |
Light scaling
|
| 10% |
- Periodontal root planning
Maximum 16 units per benefit year
- occlusal equilibration
Selective grinding of tooth surfaces to adjust a bite 8 units per benefit year
The fees for periodontal treatment are based on units of time (15 minutes per unit) and/or number of teeth in a surgical site in accordance with the General Practitioners Fee Guide.
|
| Endodontic |
10% |
Root canal therapy
|
| Dental Accident |
80% |
Limited to $1,500 per accident for of the cost of the services of treatment of injury to sound natural teeth (treatment must commence within 30 days of the accident and be completed within 12 months of the accident; authorization required).
Treatment must start within 30 days after the accident unless delayed by a medical condition. A sound tooth is any tooth that did not require restorative treatment immediately before the accident. A natural tooth is any tooth that has not been artificially replaced.
No benefits are paid for:
- Accidental damage to dentures.
- Dental treatment completed more than 12 months after the accident.
- Orthodontic diagnostic services or treatment.
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.
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 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’s 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 the exclusions of the plan before using your benefits.