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Your Coverage_Old
Policy Year: September 1, 2023 - August 31, 2024
Here you will find details about your Medical, Drug, Dental, Vision and Travel coverage. 

Your coverage is available in Ontario, across Canada, outside of Canada and even in your home country. 

Be sure you have your Health Plan Card to present at the doctor, pharmacy or dentist office to avoid paying out of pocket for your expenses. 


NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. 



  • Key Highlights
  • Medical Coverage
  • Drug Coverage
  • Dental Coverage
  • Vision Coverage
  • Mental Health
  • Transportation
  • Pregnancy & Maternity
  • Travel
  • General Exclusions
  • Coverage Assistance
  • Coverage is mandatory for all international students attending St Clair College.
  • Coverage is in place to cover expenses for doctor visits, hospitalization, x-rays, lab tests, medication, detist visits, eye exams and much more.
  • If you have a pre-existing medical condition, coverage may be limited. Please contact studentVIP for more information. 
  • If you need to see a doctor or nurse, please click here for health care options.
  • If you want to confirm if your medical service or other health care expense will be covered by the plan, you can complete a pre-determination form and submit to Medavie Blue Cross. The pre-determination form is found here.
NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions.
General Check-up with a doctor
Doctors’ visits if you are feeling sick or are injured, here are some examples of issues you would be covered for.

Ear infections
Headaches
Rashes
Acne
Sexual health
Female exams
 Male exams
Transgender care
Stomach pains
Ore throat
Chicken pox
Hives
Sprains and fractures and broken bones
UTI (Unitary Tract Infection)
STI (Sexual Health Infections)
Bladder Infections
Kidney Infections
Cuts and Lesions
Stitches & Casting
Counselling services
Medication needs including prescribing and refills
Stitches
Diabetic support
 

 
Submit an Eligibility Review!
 
If you are unsure if your medical or health care procedure will be covered by the plan, you can submit a pre-determination form before you receive your services or procedure.
 
This is just a summary list of medical examples that may be covered by the plan and does not include all eligible illness or injuries. All claims are reviewed for approval based on the terms and conditions of the policy.
 
If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are able to.


Emergency Room Visits
If you are having a medical emergency, you must call 911 and /or proceed to the nearest hospital. A medical emergency can include things like:
  • Trouble breathing
  • Loss of breath
  • Uncontrollable breathing
  • Numbness in the body
  • Sudden loss of vision or hearing
  • Sexual Assault
  • Physical Assault
 
This is just a summary list and does not include all types or examples of a medical emergency and does not confirm coverage. All claims are processed by the insurance company based on the terms and conditions of the policy. 
 
If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are safe and able.


Hospitalization
Coverage for hospitalization if you need to stay in the hospital.

 
Sometimes after a medical emergency or accident you are required to stay in the hospital to be treated and taken care of. This can include
·         During or after a severe sickness or illness
·         After an accident such as a car accident or a slip and fall
·         After a head injury or concussion
·         While waiting for surgery or specialized care
·         After surgery
·         After giving birth
·         Experiencing a mental health concern
 
This is just a summary list and does not include all examples or reasons why someone would need to stay in the hospital and does not confirm coverage. All claims are processed by the insurance company based on the terms and conditions of the policy. 
 
If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are safe and able. 
Lab Tests
Lab tests also known as diagnostic testing is often required to diagnose an illness and prescribe the proper medications or care.
 
Lab tests may be required for the following:

  • Sexually Transmitted Infections (STI’s)
  • Confirm pregnancy
  • Test for viral and bacterial infections such as Strep Throat
 
This is just a summary list and does not include all examples or reasons why someone would need lab tests and does not confirm coverage. All claims are processed by the insurance company based on the terms and conditions of the policy. 
 
If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are safe and able.


X-rays and other Diagnostic Tests
When you are injured, you may be required to get an image to help the doctors and nurses determine what is wrong or how severe your illness or injury may be. Reasons why a doctor may need an x-ray, MRI, CT scan or Ultrasound.
 

  • Broken or fractured bones
  • Head and or neck injury
  • Back injury
  • Confirm if you have appendicitis
  • Confirm pregnancy
  • Diagnose an illness
 
This is just a summary list and does not include all examples or reasons why someone would need x-rays and does not confirm coverage. All claims are processed by the insurance company based on the terms and conditions of the policy. 
 
If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are safe and able.


This portion of your insurance coverage is for medical expenses if you are sick or injured and require medical care. Your policy covers these expenses at 100% and there is no deductible or co-pay for you.


NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions.

Click here to view your International Health Plan Policy



Drug Coverage - 60% - 100% Coverage*


Overall Maximum of $2,500 per participant per benefit year. Termination when memeber reaches 65. 

100% Coverage

90% Coverage

  Generic Drugs

  Brand Drugs

Dispensing Fee: 100% of any amount up to $8 


All Other Pharmacies

80% Coverage  

60% Coverage

  Generic Drugs

  Brand Drugs

Dispensing Fee: 100% of any amount up to $5 

 

Mandatory Generic Product Selection 

  • Brand name drugs will be covered up to the amounts listed above up to the cost of the lowest-priced generic equivalent.
  • Only those drugs which legally require a prescription and are eligible under the benefits will be covered.

Want to know if your drug is eligible for coverage? Check out our Eligible Drug Search tool to find out!

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions.


Dental Coverage - 80% Coverage

The termination age for Dental Coverage for the SCC Health & Dental benefits is 65.

Pre-Determination: It is strongly recommended to obtain a pre-determination for extensive dental procedures to prevent unexpected costs. Have your dentist send a pre-determination along with your name and Student ID to Medavie Blue Cross™ at fax: 506-867-4651.
 

If your claim is the result of a Dental Accident please go to the Accident Coverage section for more information.


Annual combined maximum of $500.00/year/insured Reimbursement based on Current Dental Fee Guide. Note that specialist fees will be paid at General Practitioner rates.

 

Examinations (80%)

Oral examination (once every 12 months) 

 

Radiographs (80%)

X-rays

 

Preventative Services (80%)

Cleaning/ Scaling/ Polishing

 

Minor Restorative (80%)

Fillings

 

Major Restorative (80%)

 

 


Limitations and Exclusions may apply.

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions.

Vision Coverage - 100% Coverage

The termination age for Vision Coverage for the SCC Health & Dental benefits is 70.

  • Eye Examinations - $100 / 12 months
  • Frames, Lenses and Contact Lenses- $150 / 24 months

This coverage excludes expenses incurred for non-corrective sunglasses and safety glasses. Please make sure to include your prescription (no more than 2 years old) along with your receipt when submitting claims for reimbursement.

Frames, Lenses and Contact Lenses must be purchased from a Canadian provider to be considered eligible under the benefits.

Frames are only eligible if purchased in conjunction with prescription lenses.

Lasik or Laser Eye Surgery are
NOT
covered under the benefits.
 

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions.
 


 
Taking care of your mental health is just as important as taking care of your physical health. Sometimes you may just need to talk to someone and sometimes you may need therapy and medication or something else.
 
No matter what your mental health journey looks like, you have coverage through your plan to support your mental health care.
 

  • Visits to a psychologist or psychiatrist- 100% covered up to $10,000
  • Visits to a social worker – 100% covered up to $500
  • Hospitalization due to a mental health illness or concern such as anxiety, depression, bipolar, schizophrenia or other- 100% covered up to $60,00 (lifetime maximum)
  • Psychiatry fees billed separately during your time in the hospital – 100% covered up to $60,000 (lifetime maximum)
 
NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy


The Medical & Wellness plan also includes coverage for various transportation needs including:
 

  • Ambulance – Up to $10, 000
  • Taxi or Uber to hospital- Up to $5,000
  • Repatriation (you are sick and must return home permanently) – up to $20,000
  • Repatriation of remains (transporting your body to your home country) – up to $20,000
  • Supplemental Expenses for family (i.e. accommodation, food) $150 day up to $1,500 max
 
 
NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy


The Medical & Wellness plan includes coverage for pregnancy, terminations (abortions), miscarriages, delivery and more.
 

  • Maternity expenses including ultrasounds, lab tests, doctor visits, delivery and well-baby care for up to 6 months post-birth - $25,000
  • Miscarriage – Covered under $25,000 maternity benefit
  • Pregnancy Termination (Abortion) – 1 per policy year
 
NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy

**
Eligible Charges resulting from the pregnancy of a Participant commenced during the Policy Year (or within 60 days from it beginning), for a maximum period of 6 months following the birth of the child.**


Your plan includes travel coverage across the globe!
 
Travel within Canada: Unlimited duration
Travel outside of Canada for leisure (fun, personal): 120 days
Travel outside of Canada for school (i.e., co-op): Up to 184 days as long as 51% of the policy year is spent in Canada
Travel to your home country: 31 days max up to $10,000 coverage
Family Travel to your bedside (if you are hospitalized for more than 7 days): $5,000 for airfare for 2 immediate family members. 

You do not need to let studentVIP know when you are travelling.
 
Please ensure you have your Health Plan Card with you when you travel in the event you need to contact emergency assistance and or seek medical help.
 
NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy


While the medical & wellness plan is very inclusive, there are things that are not covered by the insurance.
 
If you are unsure if your medical or health care procedure will be covered by the plan, you can submit a pre-determination form before you receive your services or procedure.
 

  • Immigration Medical Exams including Medical Assessment fees, testing, imaging, or other services required for third-part exams.
  • Medical expenses for a pre-existing medical condition that was not stable for 90 days before the coverage began.
  • Services provided by a family member
  • An Illness or injury resulting from non-compliance with medical treatment or therapy that has been prescribed;
  • participation in a criminal act or attempt to commit a criminal act, regardless of whether charges are laid or a conviction is obtained
  •  Services, treatment or supplies that are:
    • not incurred as a result of an Emergency;
    • not Medically Necessary;
    • for cosmetic purposes only;
    • elective in nature; or
    • experimental or investigative.
 
 
 
This is not the full list, please review your policy here for full details or contact studentVIP or Medavie Blue Cross.


If you have questions about your coverage, you can contact two offices for assistance:
 
Student VIP:

info@studentvip.ca
1-888-918-5056
Monday – Friday
8:30am-4:30pm EST 
We can also be contacted via live chat from the button on our home page.

Medavie Blue Cross:

Email: stclair@medavie.bluecross.ca
Phone: 1-833-867-3468



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