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Am I Covered



Eligibility Criteria



Domestic Students
The health and dental plans were approved by student referendum and as a result are now a requirement of your enrolment at Red River College through your membership in the Students' Association. The plans provide protection and security for eligible students minimizing the effects of injury or ailments. The cost of the plans is included in your institutional fees provided you meet the eligibility enrolment criteria:

1) are a member of the Red River College Students' Association*,
2) are in an applicable program,
3) meet the full-time criteria*,
4) are residing in Canada, and
5) are under the age of 70.

*Exceptions for International Students attending the RRC Language Training Center. Please contact the Benefits Plan Office to confirm eligibility.
Disability Students
Students who are taking part-time course load but are considered full-time by the institution may be eligible to opt in to the Student Health and Dental Plan. Please contact the Benefits Plan Office for further details, prior to the applicable deadline for your semester period of enrolment.
International Students
a) be 15 days of age or over and 65 years old or less;
b) be a student or dependent of the covered student (see Section II – Definitions); and
c) know of no reason to seek medical attention at the time of purchase.

Note : Each student and dependent must apply individually and will be covered under separate policies provided the appropriate premiums have been paid.

Pre-existing Conditions: Includes expenses that are medically recognized as routine care of the pre-existing condition but excludes any treatment or surgery which can be reasonably delayed until return to home country or primary place of residency outside of Canada without causing irreversible or permanent damage. Includes coverage for for medical expenses incurred resulting from a change in the pre-existing condition.
Outside Canada: Includes excursions outside Canada up to 90 cumulative days with excursions to the USA limited to 30 cumulative days per policy year. No coverage in home country unless part of school or training program.

Coverage Period

Eligible students will receive 12 months of coverage starting with the first day of the month your program begins.

New eligible students will be added to the health and dental plan approximately 45 days from the start date of your program. Please keep your receipts for eligible expenses incurred during this time period for submission to the insurance carrier upon completion of the enrolment process.

Returning eligible students may continue to access the health and dental plan without disruption by using their current myBenefits Card or by submitting reimbursement claims directly to the insurance carrier.

Family Coverage



Domestic Students
Each year, you are given one opportunity to purchase family coverage for your spouse and/or dependent(s) by completing an application through the RRCSA Student Benefits Plan Office and paying the family coverage fee. All family add-on forms and applicable fees must be received no later than 30 days after the start of your program. Your family can only be covered while you are a student on the plan(s).

IMPORTANT: These fees are in addition to the student health and dental fee.

2019 - 2020 Family Add-On Fees:
Health (one or more dependent)  $135.00 
Dental (one dependent) $160.00
Dental (two or more dependents)
$290.00

Please note: Your optional family add-on is not automatically renewed. In order for your family add-on to continue, you must purchase the coverage each benefit year before the applicable deadline. FAMILY ADD-ON FEES ARE NON-REFUNDABLE.

Spouse means the person who is a resident of Canada, and who is married to the student, or a person of either sex who has continuously co-habitated with the student for a period of at least one year and who is publicly represented as the student's wife or husband.

Dependent means an unmarried child who is a resident of Canada, and entirely dependent on the student for maintenance and support, and who is:
1) under 21 years of age,
2) under 25 years of age and attending a college or university full-time, or
3) physically or mentally incapable of self-support and became incapable to that extent while entirely dependent on the student for maintenance and support and while eligible under 1) or 2) above.

To add family coverage to your Student Health and Dental plan submit the completed Family Add-On Form, along with the required fees to the RRCSA Student Benefits Plan Office, before the established deadline.
International Students

2018-2019 Family Add-On Fees:
Couple $693.50
Family $1040.25

Definition of Dependent on International Student Emergency Plan :
•The spouse or common law spouse (including same sex) of a primary Insured Person (but excluding those legally separated), and under the age of seventy (70).
•Unmarried children, step-children, foster children and legally adopted children, who are Dependant on the insured person for support, provided that such children are not less than fifteen (15) days old (unless birth of newborn is an insured event under this policy in which case newborn is insured under Maternity Benefit to the 15th day of birth) and under the age of nineteen (19) years old (or under the age of twenty five (25) years old provided it can be proven that the child is continuing in full-time education).
•Unmarried children, step-children, foster children and legally adopted children, who are dependent on the primary Insured Person for support due to physical or mental disability.

To be eligible for coverage Dependents must be accompanying the Primary Insured Person (you the international student) in Canada.

International Students

If you have been assessed the health and dental plan fees, included in the health fee is the Repatriation of Remains/Family Transportation Benefits.

International Students that qualify for Manitoba Health will be automatically assessed for the Red River College Students' Association Repatriation of Remains / Family Transportation Benefit.

The 12-Month coverage period begins on the first of the calendar month your program starts, and ends the last day of the twelfth month thereafter.

Examples:
For programs beginning in August 2012 the coverage period is August 1, 2012 through July 31, 2013;
For programs beginning in September 2012, the coverage period is September 1, 2012 through August 31, 2013, and so on.

Important Note: During the 12-month coverage period for your program, the Repatriation of Remains / Family Transportation Benefit is valid while you are outside your Home Country. Therefore, your coverage is valid on the later of:
a) The first of the calendar month your program begins, and
b) The date you depart your Home Country for Canada;

And, your coverage is valid until the earlier of:
a) The last day of the twelfth month after the first of the calendar month your program began; and
b) The date you return to your Home Country upon completion of your program;

**Students in certain programs may have been assessed less then a 12 month coverage period.**


What Is Covered?

The Repatriation of Remains / Family Transportation Benefit covers the following types of expenses:

Repatriation or Burial of Deceased: If You sustain an injury or suffer a sudden and unexpected Illness that results in Your death, We will arrange and pay up to a maximum of $12,500 Canadian Dollars either:
a) towards the reasonable and necessary costs for the preparation and return of Your remains to Your Home Country in a standard transportation container. We will assist in obtaining the necessary clearances for Your cremation or the return of Your mortal remains. We will coordinate the preparation and transportation of Your mortal remains to Your Home Country.
or
b) towards the cost of preparing the remains, cremation or burial, and a burial plot in the location where death occurs. The costs for a coffin, urn, headstone, or funeral are excluded.

Family Member Transportation: If You sustain an injury or suffer a sudden and unexpected Illness that results in Your death, We will arrange and pay up to $2,500 Canadian Dollars for a round-trip economy flight and accommodations for a family member traveling for purposes to identify the deceased.

For additional information including benefit details, exclusions and terms and conditions; please download the Repatriation of Remains / Family Transportation Benefit brochure.

RepatBrochure.jpg

Purchase Optional Coverage

Should your insurance coverage needs fall outside of what is provided through your Student Health & Dental plan, mystudentplan.ca provides the following optional insurance programs:

Follow-me Plan: This program will fit the needs of students who are no longer eligible for coverage through the Student Plan. Whether you are graduating, changing your enrolment status, or simply leaving school the Follow-me plan has no insurability requirements and provides various levels of coverage at cost effective rates.

Find out more about your Follow-me coverage options

Flex-Care Individual Insurance: This program is available to students who are not eligible for coverage provided through the Student Benefit Plan or for family members who require coverage and are not eligible through the Family Add On option under the Student Plan. With the Flex-Care Individual Insurance you can investigate your individual coverage options.

Find out more about your Flex-Care Individual Insurance options

Travel Insurance: This program is available to anyone who will be travelling outside of Canada and does not have travel benefits provided through the Student Plan and would like to purchase travel coverage for themselves and/or family members.

Find out more about your Travel Insurance options

Sponsored Students

Status & Band Sponsored Students

You are included in the Student Health and Dental Plan based on the program and course load - see Eligibility (Eligibility Criteria button).
Please consult your Band contact regarding payment of your Health and Dental Plan fees.

Coordination of Benefits

How to Get 100% Coverage

Use More Than One Plan to Maximize Your Coverage!

Do you have more than one benefit plan? Student Plan, Parent's Plan, Employer Plan or Spouse's Plan?
If so, those plans can work together to make sure you're getting the most out of your coverage.
One plan becomes your primary plan. It pays your claims first. Then the second plan pays toward the remaining cost.

Students who have health or dental coverage through their school: these plans will always pay before any plan where the student is covered as a dependent.

Example:
A student has health coverage through the university plan, but is also still eligible under a parent's plan as a dependent. Therefore - the school plan pays first.


This process is called coordination of benefits and it's easy to do!

IMPORTANT – Take a copy of your original receipt before you send it to your primary plan as you will need to send a copy to the secondary plan.

Submitting Claims For Yourself:
Submit the claim to your Student Plan first (this is your primary benefit plan).
Next, an unpaid portion can be submitted to your Parent's Plan, Employer Plan or Spouse's Plan (this is your secondary plan).

If you have more than one plan where you are the primary insured (Student Plan and Employer Plan) your primary plan is the one you have had the longest. Submit the claim to the plan you have had the longest (this is your primary benefit plan). Next, an unpaid portion can be submitted to the plan you have had the second longest (this is your secondary plan).



Submitting Claims for Your Spouse (if applicable):
Submit the claim to your spouse's plan first (this is their primary benefit plan).
Next, an unpaid portion can be submitted to your Student Plan (this is their secondary plan).


Submitting Claims for a Dependent Child (if applicable):
Submit the claim to the parent's plan whose birthday falls first in the year (this is their primary benefit plan).
Next, an unpaid portion can be submitted the parent's plan whose birthday falls second in the year (this is their secondary plan).



ALWAYS REMEMBER!
Include a copy of the Explanation of Benefits statement received from the first claim submission (primary plan), as well as a photocopy of the originally submitted receipt when you submit to your secondary plan.

Service Members


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