• 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.

Drug Coverage - 60% - 100% Coverage*

All Other Pharmacies

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.

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.

Vision Coverage - 100% Coverage

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

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

• 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)

• 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

• 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

• 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.