Months on Plan	Single Rate	Family Rate*
Fall (12 months)	$750	1 Dependant: $750 2+ Dependants: $1,125
Winter (8 months)	$540	1 Dependant: $540 2+ Dependants: $810
Spring/Summer (4 months)	$340	1 Dependant: $340 2+ Dependants: $510

*NOTE: Family Rates are in addition to Single Rates.

You can find an outline of all of your coverage in the Benefits Brochure, or see an outline of coverage broken down by Drug, Extended Health, Vision, Dental, Travel and Accident coverage by clicking here.

The 2024-2025 policy year will run from September 1, 2024 - August 31, 2025.

For Fall enrolments, coverage begins September 1, 2024. For Winter enrolments, coverage begins January 1, 2025 and for Spring enrolments, coverage begins May 1, 2025.  All students on the benefits will have the same termination date of August 31, 2025. 

The SCC International Student Medical and Wellness Plan is mandatory for all international students studying at St. Clair College.
There will be no refunds issued for insurance premiums paid for your coverage or your dependants, even if Provincial Health Coverage (such as OHIP) is obtained during the year. Please contact the International Office at St. Clair College if you have any questions or concerns about opting out.

You can download a printable copy of your plan card here, or visit your health plan office for a plastic card.

Your plan card will be available for download no earlier than the beginning of the term in which you begin your studies. For example: If you are beginning your studies in the Fall 2024 Term, your plan card will only be available after September 1, 2024. If you are beginning your studies in the Winter 2025 term, your plan card will only be available after January 1, 2024.

Student VIP offers a wide variety of discounted providers. You can use a VIP Preferred Practitioner to save up to 20% on eligible services near your campus or home. To access the full network listing, please utilize our Provider Search Tool. Enter an address, select the type of practitioner, and the area you would like to search. The results will display, with any discount providers highlighted at the top of the search results. To set up an appointment, simply give them a call.
 
If your health service provider is not on the network, please ask them to Contact Us!

Yes, students may enrol their spouse and/or dependent children onto the benefits for an additional fee during the opt-in period in which they begin their studies. The following are considered eligible dependents:

Spouse/Common-Law:

The legal spouse of the insured student provided there is no legal separation in effect, or an individual of the same or opposite sex who has been residing with the insured student for a period of at least one (1) year and who has been designated as the spouse/common-law partner of the insured student in the policyholders records for insurance purposes, and is a resident of Canada and has provincial health coverage (or equivalent coverage).

Dependent Child(ren):

Any natural child, step-child or legally adopted child of the insured student, who is under 21 years of age, unmarried and receives full support and maintenance from the insured student, or those over 21, but under 25 years of age, unmarried and receives full support and maintenance from the insured student for reason of full-time attendance at an accredited institute, college, or university in Canada, or receives full support and maintenance from the insured student by reason of mental or physical infirmity, and is a resident of Canada and has provincial health coverage (or equivalent coverage).

You can opt-in to family coverage during the period in which you begin your studies.

• Fall Opt-In: August 12th - September 13th    
• Winter Opt-In: December 16th - January 17th
• Spring Opt-In:  April 14th - May 16th

You can check the status of current claims and obtain your claim history via the Medavie Blue Cross™ Portal or Mobile App.

 

Medavie Blue Cross™ Portal: 

Using the Portal, you can check your claim status by clicking the "Statements" top menu bar.  Then select a date range, insured member, line of benefit, and hit "Search". If your claim has already been processed you will also be able to see the explanation of benefits. You can print this information out using the “Print” button at the bottom of the page.

 

Medavie Blue Cross™ Mobile App: 

While using the Mobile App, you can check your claim status by simply clicking the "View my claims" top menu bar.

 

Additional Questions:

Any outstanding questions regarding claim status/history can be directed to Medavie Blue Cross™ via the contact information listed below:

• Student VIP Dedicated Toll-Free Phone Number: 1-833-867-3468

• Email: stclair@medavie.bluecross.ca

Students with plans through their parents or spouse can coordinate their benefits for increased coverage. To do this, submit first to Student VIP. Once you get your Explanation of Benefits (EOB) and your reimbursement, you can submit the EOB along with your receipts and claim form from your parents' benefits for further reimbursement.

Students with benefits through their employer must submit to the provider they have had the longest first, then submit to their other benefits second.

If your cheque is stale dated within 12 months of the end of the policy period in which your claim was incurred, you can contact Medavie Blue Cross directly to have the cheque reissued. If you are requesting to reissue a stale dated cheque that is beyond 12 months from the end of the policy year in which the claim was incurred, you must contact Student VIP directly. Please note that requests made outside of this timeframe may not be honoured.

Take charge of your health with the Virtual Health Clinic, covered under your plan and brought to you by Student VIP in partnership with Cleveland Clinic Canada. Access top-notch medical care anytime, anywhere by clicking here.

If you want to know if your drug is eligible for coverage, check out the Eligible Drug Search tool. Just enter in the name of the drug or DIN (drug identification number) and you'll find out if it's eligible under the benefits and for Direct2U Prescriptions, as well as if it's a Brand or Generic drug.

In the event that the therapeutic alternatives, which are eligible under the benefits, prove to be ineffective for treating your particular condition, it is possible to have a special care approval for your medication.  These approvals are done on a case-by-case basis.  You must complete the Special Authorization Request Form.  You will be notified in writing if your application has been approved or not.

Your request will be confidentially reviewed by a health care professional according to the payment criteria established.  When all the required information is received by Blue Cross, the standard turn-around time for Special Authorization decisions is 7 to 10 working days.

If you'd like to see exactly what will be covered for specific dental procedure(s), have your dentist submit a pre-determination, along with your name and student ID #, to Medavie Blue Cross™ via fax at 506-867-4651. Pre-determinations are strongly recommended for extensive dental procedures such as wisdom teeth extractions, crowns, and other major services. 

You can check to see if a dental code on your pre-determination is eligible under the benefits. 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.

Unfortunately the Health & Dental Benefits do not cover Orthodontic services or supplies. Braces, Invisalign and services related to these items would not be eligible for coverage.

Within Canada (not your home province) and the United States: 1-800-563-4444

Anywhere else in the world, call collect: 1-506-854-2222

Please have the following information ready:

Personal Information
Your name and Student ID

Your Policy Number - 0099586000

Travel Information

Travel dates: departure date and return date (from/to) the home province

Travel destination: City, State/Province (when applicable), Country

Travel purpose

Medical Information

Description of the medical emergency or need (symptoms, circumstances, etc.)

Date of medical emergency or first onset of symptoms
 

The SCC International Medical Plan has 100% coverage for doctor's consultations.