Health Plan = Dental Plan =

Your Health & Dental Plan at a Glance!

To help students pay for the health services they need, a collective Health & Dental Plan has been put in place by your students' union. This group Plan is unique in that it helps fill the gaps in provincial health care while offering coverage that is competitively priced. The coverage includes health, dental, vision, and travel benefits. The Plan covers the unexpected and provides you with preventive care services to keep you in good health.

Please note: Students who are eligible for coverage but who are not automatically enrolled in the Plan can only enrol in the Enhanced Plan.

Available Coverage Types Enhanced Plan1
(Enriched Coverage)
Basic Plan2
(Basic Coverage)
Improvement
(The difference in coverage between the Enhanced and Basic Plans)
Health Coverage Plus Health Coverage Enhanced Plan1 Basic Plan2 Improvement
Prescription Drugs 80%
dispensing fee cap $10
70%
dispensing fee cap $5
1.1x
Prescription Vaccinations 80%
annual maximum
70%
annual maximum $150
1.1x
Psychologists per visit 100%
annual maximum $600
per visit 100%
annual maximum $600
1x
Massage Therapists per visit $50
annual maximum $300
per visit $30
annual maximum $200
1.7x
1.5x
Chiropractors per visit $50
annual maximum $300
per visit $30
annual maximum $200
1.7x
1.5x
Physiotherapists & Athletic Therapists per visit $50
annual maximum $300
per visit $30
annual maximum $200
1.7x
1.5x
Naturopaths per visit $50
annual maximum $300
per visit $30
annual maximum $200
1.7x
1.5x
Speech Therapists per visit $50
annual maximum $300
per visit $30
annual maximum $200
1.7x
1.5x
Registered Dietitians per visit $50
annual maximum $300
per visit $30
annual maximum $200
1.7x
1.5x
Orthotics 50%
per 2 policy years $300
-
NEW

Health benefits also covered:

Tutorial benefit, ambulance, dental accident, travel accident, specified medical equipment, and accidental death and dismemberment

Vision Coverage Plus Vision Coverage Enhanced Plan1 Basic Plan2 Improvement
Eyeglasses & Contact Lenses every 24 months $200 every 24 months $100
2x
Eye Exam per 2 policy years $90 per 2 policy years $60
1.5x
Travel Coverage Plus Travel Coverage Enhanced Plan1 Basic Plan2 Improvement
Travel Health Coverage per trip 120 days per trip 120 days 1x
Medical Incident per lifetime $5,000,000 per lifetime $5,000,000 1x
Trip Cancellation per trip $1,500 per trip $1,500 1x
Trip Interruption per trip $5,000 per trip $5,000 1x
Dental Coverage Plus Dental Coverage Enhanced Plan1 Basic Plan2 Improvement
Annual Maximum per policy year $750 per policy year $500 1.5x
Basic Services (recall exams, polishing) 80% 70%
1.1x
Restorative Services (fillings, extractions, oral surgery, periodontics, bridge repairs, re-centering of bridges and crowns, scaling) 80% 50%
1.6x
Endodontics (root canal) 50% 50%
1x

Notes

1 - To obtain all of the details of your coverage, please visit www.studentcare.ca.

2 - Please note that you are also able to select a basic level of coverage.

3 - Scaling is covered to a maximum of 4 units per policy year under the Enhanced Plan, or a maximum of 2 units per policy year under the Basic Plan.

Additional Information

Group Name: UMSU Enhanced Health & Dental Plan

Plan Administrator: Studentcare

Insurance Company (Health & Dental): Manitoba Blue Cross

Group Number (Health & Dental): 7654

Insurance Company (Travel): Manitoba Blue Cross

Group Number (Travel): 97180