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Extended Health Coverage

Your extended health coverage runs for as long as you remain an enrolled and eligible student at the University of Calgary The plan is provided by the University of Calgary Students' Union. Download the Extended Health & Dental Plan coverage leaflet for the 2022-2023 academic year.

Your myBenefits Card allows you direct billing with pharmacies. To access direct billing at paramedical practitioners or vision care services, you must register on the my.canadalife.ca and update you 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.

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 100%
  • $50 for one eye examination. The exam must be by an ophthalmologist or optometrist.
  • $150 for eyeglasses or contact lenses.

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

Sunglasses, safety glasses or eyeglasses provided for cosmetic or aesthetic purposes are not covered by the plan.

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 $20 per visit and an overall plan maximum $300 based on reasonable and customary charges, per practitioner, per benefit year.

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

Psychologist or social worker 80%

$20 per visit up to $300 based on reasonable and customary charge per benefit year. * Physician's prescription/referral required.

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.

Diabetic Supplies 100%

The plan covers 100% to a maximum of $150 during a 5 year period for blood glucose monitors.

Hearing Aids 100%

The plan covers 100% to a maximum of $500 during a 5 year period for hearing aids and repairs, excluding batteries.

Ambulance 80%

Maximum of $250 per occurrence for 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.

Other Insurances -

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 the University of Calgary The plan is provided by the University of Calgary Students' Union. Download the Extended Health & Dental Plan coverage leaflet for the 2022-2023 academic year.

In order to receive dental coverage for eligible services, students on the Undergraduate Student Dental Plan must visit one of the indicated dental service providers. Managed Dental Providers are experienced practitioners who provide quality dental care to students at a preferred rate. Please confirm you are enrolled on the plan prior to contacting the Managed Dental Centre. The dental benefits provided under the Managed Dental Plan are provided through a specific network of dental centres.

The managed dental program is provided to ensure students can maintain their basic dental health, without having to incur the increasing dental fees associated with dental care.

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
Diagnostic & Preventative 100%
  • Examination, 1 per benefit year
  • Bitewings, not more than 4 films per benefit year
  • Polishing, 1 unit per benefit year
  • Scaling, 2 units per benefit year
  • Fluoride, under 15 years of age, 1 treatment per benefit year
  • Additional or elected treatments or services may not included
Minor Restorative 80%
  • Space 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 24 months
  • Pit and fissure sealants
    under 16 years of age, 1 replacement per tooth, per lifetime, on permanent molars
Other Restorative 50%
  • Denture adjustments and repairs
  • Denture relining, rebasing and tissue conditioning, 1 treatment in any period of 36 months
  • Recementation of fixed prosthesis
Oral Surgery 50%
  • Wisdom teeth, limited to 2 teeth per patient, per benefit year
  • Periapical x-rays
  • General anaesthesia, eligible when done in conjunction with Oral Surgery
  • Panoramic, 1 in any period of 36 months
Endodontic & Periodontic 50%
  • Root canal therapy
  • Additional scaling and/or root planing, maximum 2 units per benefit year
Major Restorative 15%
  • Crowns
  • Bridges
  • Dentures

Replacement of an existing crown, bridge or dentures is an eligible expense if the replacement is required to replace an existing crown, bridge or denture which was installed less than 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.

No benefits are paid for:

  • Accidental damage to dentures
  • Dental treatment completed more than 12 months after the accident
  • Orthodontic diagnostic services or treatment

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 Health Plan. it's important to review and understand exclusions to the plan before using your benefits.