Health

Health Coverage

To find out if you’re eligible for these benefits, see the Who’s Covered section.

The following pages summarize the health benefits of your Plan. The Plan provides coverage for many important services not covered by provincial health care. Take the time to get to know these benefits in order to get the most out of your Plan.

You must have Canadian provincial health-care coverage or equivalent coverage to make health claims.

Reimbursements are based on the reasonable and customary fees in the Canadian province where the services or supplies are provided.

The current policy year is from Sept. 1, 2024 - Aug. 31, 2025.

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Prescription Drugs

Prescription Drugs

Your Health Plan covers 80% of your eligible prescription drug costs, up to $1,000 per policy year. Your Plan also covers dispensing fee charges up to $5 per prescription or refill.

Your Plan covers most medications legally requiring a prescription, and drugs that don't legally require a prescription, such as insulin and diabetic supplies, if approved by the insurer.

Oral contraceptives and contraceptive devices are covered up to a combined maximum of $300 per policy year (included in the $1,000 per policy year prescription drugs maximum).

Your Plan covers reasonable and customary charges for Gardasil (eligible for females from age 14 to 26 and males from age 9 to 26) and Cervarix vaccines (included in the $1,000 per policy year prescription drugs maximum).

Benefits aren't payable for smoking cessation aids, fertility drugs, erectile dysfunction treatments, vitamins that don't legally require a prescription, compound serums that don't conform to GreenShield's Compound Policy, weight loss treatments, drugs that are deemed experimental in nature, and ingredients or products which haven't been approved by Health Canada.

If you're a Quebec resident

Under the Public Prescription Drug Insurance Plan (administered by RAMQ), all Quebec residents must be covered under a private (not student) drug plan directly or as a dependant. Residents who don't have access to a private plan (through an employer, parent, or spouse) must register for the RAMQ Plan at 1-800-561-9749.

All claims must first be submitted to a public or private health-care plan before being submitted to the Health Plan of your students' union.

Contact Studentcare for any additional information concerning prescription drugs.

Health Practitioners

Chiropractor
Payable amount of $20 per visit, up to a maximum of $400 per insured person per coverage period.

Massage therapist
Payable amount of $50 per visit, up to a maximum of $750 per insured person per coverage period.

Physiotherapist
Payable amount of $40 per visit, up to a maximum of $750 per insured person per coverage period.

Payable amount of 50% per visit, up to a maximum of $500 per insured person per coverage period, for each of the following disciplines:

Psychologist
Social worker
Guidance counsellor
Psychotherapist

X-rays required as part of a chiropractic or osteopathic treatment: Maximum of one x-ray exam per insured person per coverage period, included in the maximum payable amount for the specialist discipline.

Studentcare Pharmacy Network

Rexall

Studentcare and Rexall have partnered to provide you with savings on eligible medications reimbursed through your student Health Plan and select Rexall brand products.

As of Sept. 1, 2024,* as a Plan member, you can enjoy:

• Coverage of up to 100% on your out-of-pocket prescription drug costs (up to a max of $40).* Simply present a copy of your Pay-Direct Card to your Rexall pharmacy and your pharmacist will process your claim immediately. You won't have to pay the full amount up front and wait to be reimbursed.

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• 25% off regularly priced Rexall corporate brands,* including Be Better, KIT, Nosh & Co., Rose & Robin, Savvy Home, and Option+, when you link your Be Well account with Rexall’s Preferred Perks Program. Find out how to access Be Well Preferred Perks here.

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• Added convenience through Rexall Direct, a service that offers free next-day delivery for prescriptions, personalized packaging options, and easy access to Rexall pharmacists via phone or video. Visit rexalldirect.ca for more information.

Find a Rexall location near you today!

* Certain conditions apply. Coverage is subject to Plan design - check out your Plan benefits in the Prescription Drugs section. You may be responsible for some out-of-pocket expense.

The choice is yours
Studentcare and Rexall have partnered to help you get the most out of your student Health Plan. If you choose to visit another pharmacy, you'll still be covered by your student Plan, but you'll have a higher out-of-pocket cost.

Medical Equipment and Diagnostic Services

The Plan covers up to 75% of the cost of medical equipment and diagnostic services, up to a combined maximum of $500 per policy year.

A medical doctor’s authorization is required for these claims.

Medical Equipment

The Plan covers 75% of the cost of stipulated medical equipment. This includes crutches, wheelchair rental, hospital-type bed, and permanent prosthesis.

Custom made boots or shoes and orthotics are covered at 50%, up to a maximum of $250 every 48 months (included in the $500 per policy year maximum).

Before incurring any medical equipment expense, you should contact Studentcare to learn more about applicable maximums and how to confirm eligibility.

Diagnostic Services

The Plan covers 75% of the cost of diagnostic tests, x-rays, and lab tests (including blood tests) used to diagnose an illness when performed in a commercial lab. Tests performed in a doctor’s office or pharmacy aren't covered.

Tutorial Benefit

The Plan covers the cost of private tutorial service by a qualified teacher if an accident or illness causes disability and confinement to a home or hospital for a minimum of 3 consecutive days.

The benefit will be paid from the first day of confinement, up to a maximum of $15 per hour, to a maximum of $1,000 per accident or illness.

This benefit is payable to the insured student only, and not to her or his spouse and/or dependent children.

Accidents & Emergencies

Your Plan covers the cost of an ambulance, travel accident, and accidental death and dismemberment.

Ambulance

The Plan covers the cost of an air or land ambulance service to the nearest hospital when an emergency requires immediate medical attention, up to $250 per policy year.

Travel Accident

Your travel health coverage includes hospital, physician, and other services for emergency treatment of an injury or illness while travelling outside of the province in which you reside (including international travel). It covers reasonable and customary charges, which are in excess of the provincial health-care allowance. International students (including US students) who aren't permanent Canadian residents may not use their travel health coverage when travelling to their country of origin.

You’re covered for up to 120 days per trip, for an unlimited number of trips taken during the time you’re covered. The maximum coverage is $5,000,000 per lifetime.

Please note that you must have Canadian provincial health-care coverage or equivalent coverage to make travel claims.

Please note that students and their dependent children aren't covered for out-of-province or out-of-country emergency services once they reach age 65. For more details, contact Studentcare.

The complete details of your benefits, coverage, and telephone numbers for emergency assistance can be found in your travel documents. If you’re planning to travel, you must bring this document with you. Health-care providers outside of Canada may require this information before providing service.

To receive assistance for a medical emergency or travel assistance during your travels contact CanAssistance:

Canada & United States: 1-888-852-2419
Local: 1-514-904-4730

You'll need to provide them with your student ID number and your Group Number.

Accidental Death & Dismemberment

Insurance for the loss of life or limb and for paralysis caused by an accident. Contact Studentcare for more information and maximums.

Gender Affirmation

To support students on their gender affirmation journeys, the student Health Plan includes coverage for gender-affirming medical care, up to $5,000 per claim (to a lifetime maximum of $10,000) for eligible procedures.

See the list of eligible procedures here.

Note that in order to be eligible, the services must not already be covered by your provincial/territorial health plan, and a diagnosis of gender dysphoria from a physician (M.D.) or nurse practitioner must be provided.

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