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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 Georgian College. 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 100%

Maximum of $5,000 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.

The maximum amount allowed for a dispensing fee is $8.00. Any amount charged over and above will be payable by the student.

The following drugs are covered if they are listed in the Ontario Provincial Formulary and Interchangeable List in effect on the date of purchase:

  • Drugs which require the written prescription of a physician or dentist
  • Injectable drugs including allergy serums and insulin
  • Extemporaneous preparations or compounds if one of the ingredients is a covered drug
  • Certain other drugs that do not require a prescription by law may be covered when prescribed by your physician or dentist. If you have any questions, contact your plan administrator before incurring the expense
  • Hepatitis B vaccine, subject to a maximum of $100 per insured, per benefit year. All other vaccines are payable at 80%.
  • Nuva Ring (contraceptive), subject to a maximum of $178 per insured, per benefit year
  • Oral contraceptives and the patch (birth control)
  • All acne preparations excluding Accutane or other acne preparations containing the same medicinal ingredient as Accutane

The following diabetic supplies are covered:

  • Insulin syringes.
  • Disposable needles for use with non-disposable insulin injection devices.
  • Test strips.
  • Sensors for flash glucose monitoring machines.
  • Lancets.
  • Glucose monitoring machines.
  • Alcohol swabs.

Vaccinations are covered at 80% based on reasonable and customary charges. Administration costs associated with providing the injection are not covered.

Advise your doctor and pharmacist that you are on the Ontario 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%
  • 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 renews every 24 months from the initial date of service. Coverage is based on reasonable and customary charges.

Special contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia, when they are prescribed by a licensed ophthalmologist or optometrist, provided that visual acuity can be improved to at least 20/40 level whereas it cannot be improved to that level with standard glasses. The maximum is $200 for one complete set of lenses every 24 months from the first date of purchase.

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 up 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 100%

The services of a psychologist, psychotherapist or social worker are covered to a maximum of $750 based on reasonable and customary charges per benefit year.

The effective date for the psychotherapist services is November 1st, 2023. Psychotherapist services expenses that you may incur before November 1st, 2023 are not covered by the plan.

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

Medical Equipment & Supplies 80%

The plan covers reasonable and customary charged for compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary. Such drugs or supplies must be either administered by a physician or dentist or prescribed by a physician or dentist and dispensed by a pharmacist. Any charges for administration are not eligible.

The plan covers reasonable and customary charges for eligible equipment when prescribed by a physician.

Prescription and pre-authorization may be required. Not solely for athletic use.

Orthopedic Supplies 80%

To a maximum of $350 per benfit year.

Prescription and pre-authorization 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.

Accidental Death & Dismemberment -

Accident Benefits

For the purposes of the following benefits, "accident" wherever used means an occurrence due to external, violent, sudden, fortuitous causes which are beyond the Insured's control. This must occur while the insurance is in force.

Accidental Death And Dismemberment

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 $25,000. For a complete schedule of losses please see the Accident Benefits Brochure.

Accident Benefits are provided to students covered under the Georgian College SA Student Health & Dental Plan and Apprentice Students of Georgian College of Applied Arts and Technology

Information regarding coverages included in the Accident Benefits plan can be found in the Accident Benefits Brochure.

Applicable to the Student only. Family members are not eligible for reimbursement of Accidental Death &Dismemberment benefits.

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 Georgian College. 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 $1,000 per benefit year. Please submit an estimate/pre-authorization prior to any dental treatment plan exceeding $500.

Dental Benefits Coverage
Diagnostic & Preventative 100%

One examination and consultation during each benefit year, including any necessary x-rays and diagnostic services at the time of the examination.

Eligible Exams

  • Complete oral examinations
  • Recall oral examinations
  • Emergency or specific oral examinations
  • Consultation

Eligible X-rays

  • Full mouth series, minimum 16 films, including bitewings in any 36 consecutive months
  • Panorex (one in any 36 consecutive months)
  • Periapical (no more than 16 films in any 36 consecutive months)
  • Occlusal (no more that 4 films in 12 consecutive months)
  • Bitewing (no more than 4 films in 12 consecutive months)
  • One cleaning and one unit of polishing, including up to 4 units of scaling (above the gum line).
  • Fluoride treatments will be limited to one per benefit year
  • Oral hygiene instruction, 1 treatment per lifetime
Minor Restorative 75%
  • Amalgam, silicate and composite fillings.
  • Tooth-coloured fillings
    Limited to once every two years on the same tooth surfaces.
  • Space maintainers
    For a Dependent Child only, up to and including 14 years of age.

Multiple restorations on a common surface placed on the same service date will be considered a single restoration. The maximum benefit payable will not exceed the fee for a five surface restoration regarding the same tooth during one sitting.

Extractions and Oral Surgery 75%
  • Extractions of teeth and residual root removal
    limited to two wisdom teeth in any policy year;
  • Surgical excision, surgical enucleation and surgical movement of teeth;
  • Surgical incision and drainage, surgical incision for removal of foreign bodies and antral surgery;
  • Gingivoplasty, stomatoplasty, vestibuloplasty and all alveoloplastys;
  • General anaesthesia;
  • Remodelling of floor of the mouth, reconstruction of alveolar ridge;
  • Extensions of mucous folds, bone grafts to the jaw and prosthetic augmentations to the jaw;
  • Replantation and repositioning of teeth;
  • Treatment of fractures, repairs of lacerations;
  • Frenectomy, hemorrhage control, treatment of salivary glands;
  • Treatment of maxillofacial deformities.
Endodontic 10%

Endodontic services including where applicable, treatment plan, local anaesthesia, tooth isolation, clinical procedures, sutures, appropriate radiographs and follow-up care for:

  • Pulpotomy (not in conjunction with root canal therapy if rendered within 30 days)
  • Root canal therapy
  • Apexification
  • Periapal sevices
  • Root amputation
  • Hemisection
  • Intentional removal, apical filling and reimplantation
Major Restorative 10%
  • Crowns, including treatment plan, occlusal records, local anaesthesia, subgingival preparation of the tooth and supporting structures, removal of decay and old restoration, tooth preparations, pulp protection, impressions, temporary coverage, insertion, occlusal adjustment and cementation, repairs and removal.
  • Removable prosthodontics will include, where applicable, treatment plan, impressions, jaw relation records, try-in, insertion, occlusal equilibration and 3 months post-insertion care on complete dentures, transitional dentures, acrylic dentures and cast partial dentures.
  • Fixed prosthodontics will include, where applicable, treatment plan, occlusal records, local anaesthesia, subgingival preparation of the tooth and supporting structures, removal of decay and old restoration, tooth preparation, pulp protection, impressions, temporary coverage, splinting, intraoral indexing for soldering purposes, insertion, occlusal adjustments and cementation on pontic, retainers, abutments and repairs.
Periodontic & Other Oral Surgery 10%
  • Non-surgical procedures
  • Definitive surgical procedures
  • Adjunctive surgical procedures
  • Occlusal equilibration
  • Periodontal appliances including impression and insertion (one appliance per arch in 24 consecutive months)
  • Periodontal appliance repair, maintenance and adjustment (no more than 4 units in any benefit year)
Dental Accident 100%

Maximum of $2,000 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 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

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.

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.

Barrie & ILAC@Georgian Students

Email: georgianplan@mystudentplan.ca
Phone: 705-722-5181
Address: A Building, A159

Orillia Students

Email: Gail.Hudson@GeorgianCollege.ca
Phone: 705-329-3114
Address: GCSA Office - Room # A109

Owen Sound Students

Email: georgianplan@mystudentplan.ca
Phone: 519-372-2617
Address: GCSA Office - Room # D102

General Inquiries Line

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

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