Student Health and Wellness

Health Benefits

The student health plan helps keep health care costs affordable so you can stay healthy and focus on your studies.

These are the different categories and coverages included:

Health Benefits	Coverage
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. Practitioner Listing Practitioners: Registered Massage Therapist* Physiotherapist Speech Therapist Naturopath or Chiropractor, including one x-ray examination per benefit year Athletic therapist *physician's prescription/referral required for indicated services.
Mental Health Practitioners	100%	The services of a psychologist or social worker are covered to a maximum of $750 based on reasonable and customary charges per benefit year. 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. Medical Equipment & Supplies Listing Eligible durable equipment includes, but is not limited to, items such as: Wheelchairs and wheelchair repairs (lifetime maximum of $250) Walkers Hospital beds Traction kits Flash Glucose Monitor Prosthesis The plan covers reasonable and customary charges when prescribed by a physician for Prosthetic Appliances including: Charges for artificial limbs when the loss of the limb occurs while the individual is insured under this benefit. The cost of repair is also covered. Replacement is covered when required due to physiological change, excluding myoelectric appliances. It is recommended that an application for pre-approvable submitted to the insurer. Charges for artificial eyes including one polishing or one re-make each benefit year. Casts, splints, trusses, braces or crutches, including replacements when medically necessary. It is recommended that an application for pre-approval be submitted to the insurer. External breast prosthesis when required due to a total or radical mastectomy that has been performed while you are insured under this benefit. The purchase of 2 surgical brassieres is included to a maximum of $200 each benefit year. Other Eligible Expenses Charges for oxygen, blood or blood products and the equipment required for it's administration; Charges for treatment of a sickness by the use of radiotherapy or coagulotherapy; Charges for laboratory tests done in a commercial laboratory for diagnosis of a sickness but excluding any tests performed in a physician’s office or a pharmacy.
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.

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.

No benefit is payable for:

Limitations and Exclusions to Prescription Drug Benefits

Over-the-counter products, or medicines available without a prescription;
Fertility drugs;
Anti-smoking remedies (e.g. nicorette gum, patches or similar prescribed remedies);
Injectable vitamins that are non-prescription;
Patented medicines and G.P. products;
First-aid and surgical supplies;
Atomizers, vaporizers;
Salt and sugar substitutes;
Infant formula, dietary foods and aids;
Contact lens care products;
Diagnostic aids and laboratory tests;
Contraceptives, other than oral, patch and NuvaRing;
Lozenges, mouthwash, toothpastes and cosmetics;
Oral vitamins;
Items deemed cosmetic, even if a prescription is legally required;
Male baldness treatments;
Drugs which in whole or in part a government health plan prohibits from being paid, except to the extent that it permits excess reimbursement;
Drugs which the Insured Person received without charge;
Drugs which are experimental in nature;
Drugs, hormones, products and injections for the treatment of obesity;
Erectile dysfunction drugs;
Accutane or other acne preparations containing the same medicinal ingredient as Accutane;
Anabolic steroids; or
Sclerosing agents.

Limitations and Exclusions to Extended Health Benefits

Expenses as a result of any injury or sickness caused by declared or undeclared war or any act thereof;
Expenses of any kind which would not normally be charged to you if the policy were not in effect;
Expenses incurred from any injury or sickness sustained as a result of employment when you are covered or eligible to receive benefits under the applicable Workplace Safety and Insurance Board's legislation or similar law;
Expenses as a result of suicide or any attempt thereat or intentionally self-inflicted injury, while sane or insane;
Cosmetic medical or surgical care, other than due to an accidental bodily injury sustained while you are insured under this benefit;
Medical treatment which is experimental or investigational in nature;
Periodic health examinations, broken appointments, physician's costs for traveling or providing telephone advice, third party examinations, completion of forms or medical reports, travel for health purposes;
Services, treatment or supplies not included in this benefit;
Expenses incurred from any injury or sickness as the result of active full-time service in the armed forces of any country;
Expenses incurred by you if you are not covered under any Federal or Provincial Hospital or Medical Plan or its equivalent;
Expenses which are not medically required;
Services or supplies associated with exercise, weight loss, physical fitness or sports, environmental or atmospheric control in the home or workplace;
Expenses which are prohibited by law from being covered by a private insurance plan;
Services or supplies received outside of Canada;
Services, treatments or supplies which the Insured Person received without charge.
Any other exclusion identified in the policy contract.

Fall Deadline
Submit your online Family Add-On, Opt-Out, or Opt-In applications by September 20^th, 2024

Plan Leaflet
Get a summary of eligible expenses and maximum reimbursements of your Student Benefits Plan.

Prescription Search Tool
Find out if your prescription drugs are covered by the student plan.

Select Savings
Get a student discount and save money on certain eligible services by visiting one of our members.

mystudentplan Benefits App
Manage your benefits, download your Benefits Card, submit claims, check claim status, and review benefit balances.

Health Benefits

Limitations and Exclusions to Health Benefits

Benefits Plan Office

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