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Your Coverage

The details below are a summary of benefits, limitations and exclusions do apply. Full benefit details can be found in the Benefit Booklet on the Medavie Blue Cross™ Portal. In the event of a discrepancy between the website and the benefit booklet, the benefit booklet will be taken as true. Overall EHC Maximum of $3,000 per year, per insured.

 

**NEW FOR THE 2024-2025 POLICY YEAR**

  • Chiropractor/Physiotherapist/RMT: $600 combined maximum/year, $60 maximum per visit.
  • Dental Extractions: Increased to 50% coverage.

Drug, Extended Health, Vision and Dental coverage is valid in Canada only. Please review your policy for full details.

 

Understand Your Coverage

Know all benefits, limitations, and exclusions that apply.

Coverage valid in Canada only.

Policy Year: September 1, 2024 - August 31, 2025

 
 

Drug Coverage - 50% - 90% Coverage

Overall Drug Maximum of $2,500 per participant per benefit year. The termination age for Drug Coverage for the Brock GSA Health & Dental benefits is 80.

Direct2U Virtual Pharmacy

90% Coverage for Generic Drugs

70% Coverage for Brand Drugs

Dispensing Fee: 100% of any amount up to $7


All Other Pharmacies

80% Coverage for Generic Drugs

50% Coverage for Brand Drugs

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

Drug Benefits also Include

Contraceptives (incl Oral, IUD’s, IUS’s) {One/5 benefit years}

Diabetic Supplies (test strips & needles, glucometers may be covered under Extended Health)

CNS Stimulants* (80% Coverage, $500/benefit year)

Hepatitis C Medications ($1,500/lifetime)

Biologic Agents ($1,000/benefit year)

Anti-Obesity Drugs, Erectile Dysfunction Drugs, Fertility Treatment, Smoking Cessation Medications with physician's prescription ($500 combined/lifetime on a cost reimbursement basis)

Drug Benefits do NOT Include

✘ Gardasil Vaccine

Want to know if your drug is eligible for coverage? Use the Medavie Blue Cross® Drug Look-Up Tool or our Eligible Drug Search tool to search by DIN or Drug name

Eligible Drug Search Tool

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 your benefits will be covered

 

Dental Coverage from 50% - 70% Coverage

Annual combined maximum of $800/year/insured. The termination age for Dental coverage for the Brock GSA Health & Dental benefits is 80.

Examinations (70%): Complete Oral Examination (once every 5 years) / Limited and Recall examinations (once every 12 months)

Radiographs (70%): Complete series Periapical or Panoramic (once every 5 years) / Bitewing (once every 12 months)

Preventative Services (70%): Dental polishing (1, 15-minute unit every 12 months) / Scaling (2, 15-minute units every 12 months)

Minor Restorative (50%): Fillings

Extractions (50%): Includes wisdom tooth extractions

Anesthesia (50%): When in conjunction with surgical services

Other Dental Coverage (50%): Endodontic / Periodontics / Denture Services

*Limitations and Exclusions may apply. Reimbursement based on Current Dental Fee Guide. Note that specialist fees will be paid at General Practitioner rates

Students can check to see if the dental code on their predetermination is eligible on the plan. Login to the Blue Cross Member Portal to find out! Note: This does not say how much is eligible, just if the code itself is eligible under your benefits or not

Blue Cross Member Portal

Predetermination: It is strongly recommended to obtain a predetermination for extensive dental procedures to prevent unexpected costs. Have your dentist send a quote/predetermination electronically 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

 

Vision Coverage - 100% Coverage

The termination age for Vision Coverage for the Brock GSA Health & Dental benefits is 80. 

Eye Examinations - 1 standard exam every 24-months (reasonable & customary)

Frames, Lenses & Contact Lenses - $250 every 24-month period

Use Code: VPSTVIP8 for 8% off at Vision Pros
 

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

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 are only eligible if purchased in conjunction with prescription lenses.

Lasik or Laser Eye Surgery are NOT covered under the benefits

 

Extended Health Coverage : 100% Coverage

The termination age for Extended Health Coverage for the Brock GSA Health & Dental benefits is 80.

Practitioner Coverage - 100% Coverage

Maximum $60/visit, up to a combined maximum of $600 per benefit year

Chiropractor

Physiotherapist

Registered Massage Therapist*

*Prescription required for first (RMT) claim each new policy year, if prescription is less than 12 months from date of issue, it can be used in subsequent policy years.

 

Maximum $40/visit, up to a combined maximum of $520 per benefit year

Speech Therapist

Naturopath

Max $1000 combined per benefit year, no per visit max

Psychologist** 

Psychotherapist***

Social Worker (MSW)**


**Clinical Counsellors and other mental health practitioners who do not meet the above criteria will not be considered eligible for coverage under the benefits.
***Psychotherapists must be in good standing with the college in their province, as well as registered as a provider with Medavie Blue Cross and be issued a provider number.

Other Medical Coverage- 100% Coverage

Coverage is to maximum indicated, unless otherwise stated:

Orthotic Appliances or Orthopedic Shoes (1 pair every 3 years)***

Medical Equipment & Supplies (Reasonable & Customary)*** ****

Ambulance to Nearest Treating Hospital ($1,000/benefit year - Reasonable & Customary)

***Prescribed by a medical doctor, an orthopedic surgeon or podiatrist.

****For a full listing of eligible expenses, please see the benefit booklet


VIP Preferred Provider PLUS+

Preferred Provider Plus are providers that are offering more than 20% discount for their services. In order to access the discount, please show the practitioner your StudentVIP plan card.

Preferred Provider

Please use our provider search tool to find contact information for Preferred Providers offering discounts of up to 19%. Remember to present your Student VIP card to access these savings.




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