Student Health and Wellness! mystudentplan provides health, prescriptions, dental, mental health care plus additional benefits for eligible students.

 

Dental Benefits

The student dental plan can ease the costs of regular check ups, cleanings and a variety of dental procedures to make a plan for your oral health.

These are the different treatments and coverages included:

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 suggested fee minus 1 year 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 minus 1 year.

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.