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Student Health & Wellness!mystudentplan is a benefits plan for students and can provide coverage for prescription drugs, vision care, dental care, mental health counseling, and more. The plan is designed to supplement provincial health insurance and provide additional access to medical services.

 

Plan Details

The Student Plan covers prescription drugs, vision, dental care, paramedical practitioners, ambulance, and medical equipment & supplies, among others.

Extended Health Coverage

Your extended health coverage runs for as long as you remain an enrolled and eligible student at Red River College Polytechnic. 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 90%

Maximum of $5000 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.

Birth Control Prescription Drugs 100% Included in the overall benefit year maximum of $5,000. NuvaRing is an eligible birth control.

Advise your doctor and pharmacist that you are on the MB Provincial 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% of the cost of one eye examination. The exam must be by an ophthalmologist or optometrist.
  • $150 for eyeglasses or contact lenses. The eyeglasses frame is not covered by the plan.

The vision coverage is every 24 months from the initial date of service based on reasonable and customary charges.

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 to a maximum of $500 based on reasonable and customary charges, per practitioner, per benefit year.

Practitioners must be registered and licensed in their field of practice.

Mental Health Practitioners 80%

The services of the following practitioners are covered to a maximum of $1,000 based on reasonable and customary charges, per practitioner, per benefit year.

  • Psychologist
  • Social worker
  • Canadian Certified Counsellor
  • Psychotherapist
Podiatrist/chiropodist 80%

Up to $20 per visit to a maximum of $500 based on reasonable and customary charges, per benefit year. One x-ray examination is included per benefit year.

Medical Equipment & Supplies 80%

The plan covers a lifetime maximum of $1,000 based on 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.

Ambulance 80%

To a maximum of $250 per occurrence. This coverage is applied after the provincial deduction.

To a maximum of $500 per occurrence 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.

Orthopaedics 80%

To a maximum of $150 limited to one pair, per benefit year for custom-made 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. Modifications, repairs and adjustments to custom-made orthopaedic shoes do not require a prescription.

Hearing Aids 80%

To a maximum of $500 during a 4-year period for hearing aids and repairs, including batteries.

Breast Prosthesis 80%

After a mastectomy, your plan covers reasonable and customary charges for breast prostheses. Replacement(s) every two benefit years. Two surgical bras per benefit year.

Wigs and Hairpieces 80%

To a lifetime maximum of $100 for wigs and hairpieces.

Out of the province Referral 80%

The following hospital and medical services provided in Canada or the United States which are not offered in the province of residence and are performed following written referral by the attending physician in the patient's province of residence are covered by the plan to a maximum of $10,000 per lifetime:

  • Hospital room and board at ward rate
  • Hospital services and supplies
  • Diagnosis and treatment by physicians

The physician must give full details of the treatment and must be approved by the insurer in advance. You must apply and provide the insurer with a statement from your provincial health plan that describes what it will cover.

Emergency Travel Assistance - Emergency Out of Province Medical and Accidental Death and Dismemberment Coverage 100%

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.

Policy Number: SRG 9429059

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

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 exclusions to the plan before using your benefits.

Dental Coverage

Your dental coverage runs for as long as you remain an enrolled and eligible student at Red River College Polytechnic. 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 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%
  • 1 recall examination per benefit year.
  • Complete series of x-rays
    Maximum 16 films including bitewings in any period of 36 months. Not eligible for dependants under 12 and periapical.
  • Bitewings
    Maximum 4 films per benefit year.
  • Panoramic
    1 in any period of 36 months.
  • Scaling
    6 units per benefit year.
  • Polishing
    1 unit per benefit year.
  • Oral hygiene instruction
    1 treatment per lifetime.
  • Fluoride
    Under 19 years of age, 2 treatments per benefit year.
  • Pit and fissure sealants
    Under 19 years of age, 1 per molar in any period of 36 months.
  • Space maintainers and maintenance
    Under 15 years of age, 1 per space per benefit year.
  • Anaesthesia
    Eligible when done in conjunction with a covered dental procedure.
Minor Restorative 70%
  • Amalgam and tooth coloured fillings
    1 per tooth in any period of 24 months.
  • Stainless steel and plastic full coverage restorations
    Under 15 years of age, 1 per tooth in any period of 36 months.
  • Denture adjustments and repairs.
  • Relining, rebasing and tissue conditioning
    One treatment in any period of 36 months.
Oral Surgery 70%
  • Extractions
    Maximum 2 wisdom teeth per benefit year.
Periodontic 15%
  • Occlusal equilibration
    Maximum 4 units per benefit year.
  • Periodontal appliances
    1 appliance per arch in any period of 24 months.
  • Periodontal appliance repairs, maintenance and adjustments
    Maximum 4 adjustments per benefit year.
  • Other oral surgical services.
Endodontic 15%
  • Root canal therapy.
Major Restorative 15%
  • Inlays, onlays
  • Crowns
  • Veneers, other than for cosmetic purposes
  • Bridges
  • Dentures

Replacement of an existing inlay, onlay, crown, veneer, and bridge is an eligible expense if the replacement is required to replace an existing inlay, onlay, crown, veneer, and bridge which was installed 5 years before the replacement.

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.

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 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 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.

Notre Dame Campus

Phone: 204-632-2503
Address: RRCSA Student Benefits Plan Office
Room CM75C
2055 Notre Dame Avenue
Winnipeg, Manitoba. R3H 0J9

Exchange District Campus

Phone: 204-949-8537
Address: The Roblin Centre
SA Office P-110
160 Princess Street
Winnipeg, Manitoba. R3B 1K9

Email: redriverplan@mystudentplan.ca

General Inquiries Line

Monday to Friday from 5:00am to 4:00pm PST

Phone: 1-877-746-5566 Ext. 7249