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myBenefits

Domestic and International Students


International Students Only


Domestic Students Only


International Student Emergency Plan

RRC International Student Emergency plan Intrepid International

Organization: Red River College

In case of emergency contact Intrepid 24/7: intrepid@intrepid247.com
Toll Free: 1-866-883-9787



BASIC ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)



 Benefit Schedule  Flat amount of $50,000; optional coverage up to $200,000
 Maximum Benefit  $200,000 (amount over $50,000 optional at extra cost)
 Termination Age  70

MEDICAL – PREMIUM PLAN



Annual Maximum   $2,000,000
 Hospital  100%
Physician and Diagnostic Procedures  100%
Prescription Drugs  Outpatient: 100% up to 60 day supply per class of prescription drug, Inpatient:  included when due to covered sickness or injury.
Annual Check-up  One visit up to $175 per policy year after 6 months continuous coverage
Inpatient Psychotherapy  Up to $25,000 per policy year
Outpatient Psychiatrist or Psychologist   Up to $2,500 per policy year
Paramedical Services  $500 per practitioner for chiropractor, osteopath, naturopath, acupuncturist, chiropodist and podiatrist for charges outside of Hospital.  Includes coverage for x-rays.
Physiotherapy and Speech Therapy  $1,000 combined maximum for charges outside of Hospital
Local Ambulance  Full cost of licensed ambulance service to nearest hospital and emergency transfers between hospitals including user fee, OR taxi fare to or from a hospital or medical clinic for eligible medical care to a maximum $100.  
Medical Equipment and Supplies  When required due to an emergency sickness or injury - Purchase of medical supplies including dressings and prosthetic appliances; rental charges for wheelchairs, crutches, hospital beds or other appliances not to exceed purchase price.  Up to $200 for prescription glasses or contact lenses or up to $300 for hearing aids.  Up to $300 for custom orthotics or up to $800 for custom knee braces.  
Emergency Dental   Up to $600 for relief of pain and suffering
Dental Accident  Up to $4,000 for dental treatment due to an accidental blow to the mouth
HIV/AIDS  Up to $10,000 per lifetime for expenses incurred as a result of a positive HIV, AIDS or ARC diagnosis made after coverage commenced
Eye Examination  Once per policy year to $100 maximum after 6 months continuous coverage
Maternity Care  Pre-natal care, complications, delivery and involuntary termination to a combined maximum of $25,000 when pregnancy commences during period of coverage. . For pregnancies commencing prior to cover effective date:  coverage for emergency complications up to maximum $5,000 for first 32 weeks of pregnancy.
Air Evacuation  Cost of transport to nearest hospital or a hospital in Home Country
Exceptional Hospitalization Benefit  Up to $50,000 lifetime aggregate for hospital medical and/or psychiatric treatment if admitted to hospital for suicide, attempted suicide, self-inflicted injuries, mental or emotional disorders (including but not limited to stress, anxiety, panic attacks, depression, eating disorders or weight problems) or psychiatric treatment
Private Duty Nursing Care  Up to $15,000 for services of Registered Nurse, Registered Nurse Assistant or Home Care Worker
Wart Treatment Up to $500 (excluding treatment solely for cosmetic result)
Tutorial Expenses Up to $15 per hour to maximum $500 for private tutorial services when confined to home or hospital for 30 consecutive days due to sickness or injury.
Trauma Counselling Up to 6 sessions of trauma counselling within 90 days of accident covered under AD&D benefit that occurred during the coverage period
Family Transportation and Subsistence Allowance Up to $5,000 for round trip transportation for two persons; Includes up to $1,500 for commercial accommodation and meals
Repatriation or Burial of Deceased Up to $15,000 towards preparation and return of remains to home country or up to $5,000 for cost for cremation or burial in host country
Return Home due to Family Emergency Up to $2,500 for round trip transportation
Outside Canada Includes excursions outside Canada to 90 cumulative days per year with excursions the USA limited to 30 cumulative days per year. No coverage in Home country unless part of school or training program.
Pre-existing Conditions Includes expenses that are medically recognized as routine care of the pre-existing condition.

Repatriation

MORTAL REMAINS SERVICES

Benefit Maximum: $12,500 CAD
a) Towards reasonable and necessary costs for preparation and return of remains to the insured’s Home Country in standard transportation container. Assist in obtaining the necessary clearance for cremation or the return of mortal remains. Coordinate the preparation and transportation of mortal remains to the insured’s Home Country.
OR
b) Towards cost of preparing the remains, cremation or burial and a burial plot in the location where death occurs. The costs for coffin, urn, headstone or funeral are excluded.

Family Member Transportation

Benefit Maximum: $2,500 CAD
Round-trip economy flight and accommodations for a family member travelling to identify the deceased.

myBenefits at a Glance

The highlights below are provided as general information. Coverage for eligible costs is based on the contract detail. Select the benefit for additional coverage details.

Ambulance:
Reimbursed at 80% to a maximum of $500 per occurrence.
(please click Supplemental Health for details)

Prescription Drugs:
Reimbursed at 80% to a maximum of $5,000 per benefit year.
Based on the MB Provincial Formulary with a generic rider.
(please click Prescription Drugs for details)

Vision:
Reimbursed at 100%, $60 for one eye exam, $100 for glasses or contact lenses every 24 months.
(please click Vision for details)

Health Practitioners:
The services of paramedical practitioners are reimbursed at 80% to a specified maximum.
(please click Supplemental Health for details)

Medical Equipment & Supplies:
Reimbursed at 80% to a specified maximum. A physician's prescription is required. Pre-authorization is suggested.
(please click Supplemental Health for details)

Dental Accident:
Reimbursed at 80% to a maximum of $1,000 per accident.
(services must be performed within 30 days of the accident; authorization required)
(please click Supplemental Health for details)

Dental Coverage:
Exams covered at 80% once per benefit year. Overall plan maximum of $750 per benefit year.
(please click Dental for details)

Accidental Death & Dismemberment:
$5,000 loss of life benefit.
(please click Other Insurances for details)

Out of Province Referral:
Reimbursed at 80% to a lifetime maximum of $10,000.
(please click Supplemental Health for details)

Travel Insurance:
$5 million of coverage for emergencies and illnesses while traveling.
(please click Supplemental Health for details)

Tutorial:
After 30 days of confinement due to illness or injury.
(please click Other Insurances for details)

Supplemental Health

All benefits payable through the Student Plan are based on reasonable and customary charges.



Ambulance
Your plan covers of 80% to a maximum of $500 per occurrence for a licensed ambulance or emergency 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.

Practitioners
Student benefits are payable after any Provincial Health Care benefits have been exhausted. This plan does not cover user fees. Student specific rates are available for some of the indicated services, information can be found in Select Savings. Practitioners must be registered and licensed in their field of practice.

The services of the following practitioners are covered at 80% for $20 per visit to a maximum of $350 based on reasonable and customary charges, per benefit year.
• podiatrist/chiropodist, including 1 x-ray examination per benefit year

The services of the following practitioners are covered at 80% to a maximum of $350 based on reasonable and customary charges, per practitioner, per benefit year.
• registered dietician*
• physiotherapist
• licensed massage therapist
• chiropractor, including 1 x-ray examination per benefit year
• osteopath, including 1 x-ray examination per benefit year
• naturopath
• audiologist
• cardiac rehabilitation*
• Certified Athletic Therapy*

The services of the following practitioners are covered at 80% to a maximum of $1,000 based on reasonable and customary charges, per practitioner, per benefit year.
• speech language therapist
• psychologist or social worker

*physician’s prescription/referral required for indicated services
Medical Equipment & Supplies
It is recommended that an application for pre-approval be submitted to the insurer for any item that would be claimed under the Medical Services & Supplies benefit.

Medical Equipment
Your plan covers 80% to a lifetime maximum of $1,000 based on reasonable and customary charges for eligible equipment when prescribed by a physician. Eligible durable equipment includes, but is not limited to, items such as:

• wheelchair
• hospital beds
• iron lung
• respirator
• braces, crutches, splints & trusses
• other approved prosthetic devices

Other Medical Equipment
Your plan covers 80%, based on reasonable and customary charges for eligible equipment when prescribed by a physician. Eligible durable equipment includes:

• walkers
• artificial limbs & eyes
Hearing Aids
Your plan covers 80% to a maximum of $500 during a 4 year period for hearing aids and repairs, including batteries.
Breast Prosthesis (after a mastectomy)
Your plan covers 80% of reasonable and customary charges for breast prosthesis.
Replacement(s) every two benefit years. Two surgical bras per benefit year.
Surgical Stockings
Your plan covers 80%, limited to 2 pairs per benefit year for surgical stockings.
Wigs and Hairpieces
Your plan covers 80% to a lifetime maximum of $100 for wigs and hairpieces.
Orthopaedics*
Your plan covers 80%, limited to one pair, to a maximum of $150 per benefit year for custom-made orthopaedic shoes, repairs and modifications when required for the correction of deformity of the bones and muscles. Provided the orthopaedics are not solely for athletic use and are prescribed by a physician, podiatrist, chiropodist, or chiropractor. Modifications, repairs and adjustments to custom-made orthopaedic shoes do not require a prescription.

*IMPORTANT It is strongly recommended that a pre-determination/estimate be submitted to Great-West Life to ensure that the guidelines set out by Great-West Life for the payment of Orthopaedics are met and to confirm that your claim would be eligible.
Dental Accident
IMPORTANT! Dental Accident Pre-determination: An estimate for all dental accident services MUST be submitted to the health plan insurer. If you go ahead with treatment without a pre-determination being approved, you are doing so at the risk of the expenses being yours.

The plan covers 80%, to a maximum of $1,000 per incident, for of the cost of the services of a dental surgeon, 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. Provided the services are performed within 30 days of the accident but excluding services required in conjunction with such injuries due to a condition that existed before the accident. Implants and treatment related to implants are not covered. If a dental accident occurs, the health plan’s dental accident provision will pay benefits before the dental plan.

In the event of a dental accident, you must complete a Standard Dental Association claim form (available from the RRCSA Student Benefits Plan Office). 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, or dropped off at the RRCSA Student Benefits Plan Office.

Treatment must be completed within 12 months of the impact. If treatment is scheduled to occur more than 90 days after the impact, a treatment plan must be submitted to the insurer before the end of the 90 day period.
Out-of-Province Referral
Reimbursed at 80%, to a lifetime maximum of $10,000, for the following hospital and medical services provided in Canada or the United States which are not offered in the province of residence and are performed following written referral by the attending physician in the patient’s province of residence:
1) hospital room and board at the ward rate
2) hospital services and supplies
3) diagnosis and treatment by physicians
The physician must give full details of the treatment and must be approved by the insurer in advance. You must apply and provide the insurer with a statement from your provincial health plan that describes what it will cover.

Manitoba Pharmacare

Manitoba Pharmacare is a drug benefit program for eligible Manitobans, regardless of disease or age, whose income is seriously affected by high prescription drug costs. Pharmacare coverage is based on both your total family income and the amount you pay for eligible prescription drugs. The total family income is adjusted to include a spouse and the number of dependents, if applicable. Each year you are required to pay a portion of the cost of your eligible prescription drugs. This amount is your annual Pharmacare deductible. Pharmacare sets your deductible based on your adjusted family income.

Applying for coverage through Manitoba Pharmacare: Students can complete a one time application for coverage through Pharmacare which they provide consent to allow the Canada Revenue Agency (CRA) to release income data to Manitoba Health in order to determine co-payment and deductible amounts.

Applications are available online at: http://www.gov.mb.ca/health/pharmacare/apply.html and at local Pharmacies.

Manitoba Pharmacare & The Student Health Plan: Students will be required to complete the Pharmacare application prior to receiving their myBenefits Card through the Health & Dental Plan Office. Once the application has been submitted to the benefits office, students can begin using their myBenefits Card at the pharmacy. Students within the standard validation period for their semester period of enrollment will be able to access their benefits upon completion of the validation period. Claims will automatically be assessed first through Manitoba Health using the student's health card number and any outstanding portion will then be submitted electronically to Great-West Life via the myBenefits Card.

Prescription Drugs

Your drug plan covers 80% of the cost of most medications legally requiring a prescription to a 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.

Nuvaring is an eligible birth control.

IMPORTANT! Advise your doctor and pharmacist that you are on the MB Provincial Formulary.

The MB Provincial Formulary is a specific list of drugs that are eligible for reimbursement under your drug benefit. Formularies are developed to ensure that prescription drugs are available on a cost-effective basis. It covers approximately 85% of the most frequently prescribed drugs.  Formularies are reviewed regularly and as a result, updates are made on an ongoing basis.

Exception Process: In the event that the drugs covered are not effective in treating your condition, an exception process is in place. To be eligible for an exception, you must have tried one alternative drug listed on the Formulary. An exception drug request form is available below or from the Student Benefits Plan Office and must be completed by your physician. Completed forms may be returned to the RRCSA Student Benefits Plan Office or can be faxed directly to the insurance company.

Request for Coverage of Exception Status Drug form

Vision

Your plan covers 100% of the cost of eye examinations by an ophthalmologist or optometrist limited to one examination, in a 24 month period to a maximum of $60, based on reasonable and customary charges.

Your plan covers 100% of cost for the purchase of eyeglasses and/or contact lenses to a maximum of $100, once during a 24 month period, based on reasonable and customary charges.

Dental

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.

IMPORTANT! Please submit a pre-determination/pre-authorization to the insurance carrier prior to treatment of specialist services and any treatment plan exceeding $500.

Your plan covers up to a maximum of $750 per benefit year.



Camosun College Dental Clinic
Included with your dental plan is the option to visit the Camosun College Dental Clinic which provides diagnostic and preventive services to students. Should you choose to visit the Dental Clinic, your diagnostic & preventive benefits will be covered at 100% including one annual exam, x-rays, polishing, scaling and fluoride once per benefit year. Please contact CCSS Member Services for further information and booking appointments with the Dental Clinic.

Note: you are encouraged but not required to use the Camosun dental clinic.
Diagnostic & Preventative
Your plan covers 80% of diagnostic and preventative procedures including:
• examination, 1 per benefit year
• complete series of x-rays (not eligible for dependents under 12) and periapical, up to 16 films including bitewings in any period of 36 months
• bitewings, not more than 4 films per benefit year
• panoramic, 1 in any period of 36 months
• polishing, 1 unit per benefit year
• scaling, 2 units per benefit year
• fluoride, under 19 years of age, 2 treatments per benefit year
• oral hygiene instruction, 1 treatment per lifetime
• pit and fissure sealants, under 19 years of age, 1 per molar in any period of 36 months
• space maintainers and maintenance, under 15 years of age
• anaesthesia, eligible when done in conjunction with a covered dental procedure
Minor Restorative
Your plan covers 70% for services associated with dental health restoration, including:
• 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 36 months
• denture adjustments and repairs
• relining, rebasing and tissue conditioning, one treatment in any period of 36 months
Oral Surgery
Your plan covers 70% for services associated oral surgery, including:
• extractions, limited to 2 wisdom teeth per benefit year
Endodontic
Your plan covers 15% for endodontic services including: • root canal therapy
Periodontic
Your plan covers 15% for periodontic services including:
• occlusal equilibration, not more than 4 units per benefit year
• periodontal appliances, not more than 1 appliance per arch in any period of 24 months
• periodontal appliance repairs, maintenance and adjustments, not more than 4 adjustments
per benefit year
• other oral surgical services
Major Restorative
Your plan covers 15% of major restorative services including:
• inlays, onlays
• crowns
• veneers, other than for cosmetic purposes
• bridges
• dentures

Replacement of an existing inlay, onlay, crown, veneer, and bridge is an eligible expense if the replacement is required to replace an existing inlay, onlay, crown, veneer, and bridge which was installed 5 years before the replacement.

Travel Insurances

Group Out-of-Province/Canada Travel Medical Emergency Insurance 

Provides coverage of up to a maximum of $5 million per insured person per coverage period for certain expenses incurred as a result of an emergency while travelling outside your province or territory of residence. Your coverage period is 180 days per trip. 

In addition, this insurance provides coverage for the following benefits:
• Up to $5,000 per insured person, per trip for trip cancellation 
• Up to $2,000 per insured person, per trip, for trip interruption; and
• Up to $1,000 per insured person, per trip, for baggage insurance. 

Information you will need for your Travel Assist card:
Group Policy Number: 1170103
Certificate Number: Your Red River College Student ID

This insurance product is underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is subject to the terms and conditions in the Benefits Booklet. For benefit complete details regarding this coverage download your Benefits Booklet and travel medical assistance card.

Other Insurances

Accidental Death & Dismemberment*
Your plan provides coverage for the loss of life or limb and for paralysis caused by an accident. The amount of benefit is based on a maximum benefit of $5,000.

Tutorial*
Your plan covers 80% up to $15 per hour to a maximum of $2,000 per benefit year for private tutorial service if the student is confined to home or hospital for a minimum of 30 consecutive school days.

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

Personal Health Risk Assessment

The Personal Health Risk Assessment can be used to create a health profile, build an action plan to support your health and wellness needs and track progress.

Watch a short video about Personal Health Risk Assessment.

Exclusions


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