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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 University of Guelph - Ridgetown Campus. 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. The maximum amount payable to an eligible brand name drug will be limited to the lowest priced item in the appropriate generic category.

Advise your doctor and pharmacist that you are on the National 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 -

A combined maximum of $120 for one eye examination, prescribed eyeglasses, and/or contact lenses.

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 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.

Medical Equipment & Supplies 80%

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.

Ambulance 80%

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

The plan covers a licensed ground ambulance or emergency air service that transports the patient (student) 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.

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 9429066

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.

Tutorial Insurance -

The student plan also offers the Tutorial complementary insurance:

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.

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 University of Guelph - Ridgetown Campus. 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%
  • Recall examination
    Once per benefit year
  • Initial or complete exams
    Once every 36 months
  • Specific or emergency exams
  • 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
    Maximum 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 70%
  • Apace maintainers and maintenance
    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
    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 50%
  • Extractions
    Maximum 2 wisdom teeth per benefit year
  • Anaesthesia
    Eligible when done in conjunction with oral surgical procedures
Endodontic and Periodontic 20%
  • Endodontic
    • root canal therapy
  • Periodontic
    • 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
    • Oral surgical procedures
    • Anaesthesia
      Eligible when done in conjunction with oral surgical procedures
Dental Accident 80%

Limited to $1000 per accident. The plan covers 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. 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.

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.

Ridgetown Campus Benefits Plan Office

Email: ridgetownplan@mystudentplan.ca
Phone: 519-674-1500 Extension 63507
Address: D.J. Pestell Student Services & Alumni Centre
120 Main Street East
Room 128
Ridgetown, ON. N0P 2C0

General Inquiries Line

Monday to Friday from 8:00am to 7:00pm EST

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