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Plan Overview
Standard Plan
Prescription Drugs

75% co-insurance
Maximum: $5,000

Dental

Basic and Preventative: 100%
Minor Restorative: 75%
Extractions and Oral Surgery: 75%
Major Restorative: 10%
Maximum: $500

Enhanced Drug/Vision Plan
Prescription Drugs

80% co-insurance
Maximum: $6,500

Dental

Basic and Preventative: 50%
Minor Restorative: 40%
Extractions and Oral Surgery: 25%
Major Restorative: 0%
Maximum: $250

Vision

$50 maximum towards one eye exam and $80 for prescribed lenses and frames or contacts every consecutive 24 months

Enhanced Dental/Vision Plan
Prescription Drugs

70% co-insurance
Maximum: $500

Dental

Basic and Preventative: 100%
Minor Restorative: 80%
Extractions and Oral Surgery: 75%
Major Restorative: 10%
Maximum: $700

Vision

$50 maximum towards one eye exam and $80 for prescribed lenses and frames or contact lenses every consecutive 24 months

Prescription Drugs
Standard Plan
  • 75% coverage
  • $5.00 dispensing fee cap
  • Most prescription drugs or medicines
  • Insulin injectibles
  • Insulin supplies under pseudo din #910333 ($200 maximum)
  • Allergy serums
  • Hepatitis B Vaccine, subject to a maximum of $100.00 per Insured, per policy year
  • Contraceptive patch and oral contraceptives
  • Nuva Ring (contraceptive), subject to a maximum of $178.00 per Insured, per policy year
  • Gardasil Vaccine
  • Acne medications (excluding Accutane)
Enhanced Drug/Vision Plan
  • 80% coverage
  • $5.00 dispensing fee cap
  • Most prescription drugs or medicines
  • Insulin injectibles
  • Insulin supplies under pseudo din #910333 ($200 maximum)
  • Allergy serums
  • Hepatitis B Vaccine, subject to a maximum of $100.00 per Insured, per policy year
  • Contraceptive patch and oral contraceptives
  • Nuva Ring (contraceptive), subject to a maximum of $178.00 per Insured, per policy year
  • Gardasil Vaccine
  • Acne medications (excluding Accutane)
Enhanced Dental/Vision Plan
  • 70% coverage
  • $5.00 dispensing fee cap
  • Most prescription drugs or medicines
  • Insulin injectibles
  • Insulin supplies under pseudo din #910333 ($200 maximum)
  • Allergy serums
  • Hepatitis B Vaccine, subject to a maximum of $100.00 per Insured, per policy year
  • Contraceptive patch and oral contraceptives
  • Nuva Ring (contraceptive), subject to a maximum of $178.00 per Insured, per policy year
  • Gardasil Vaccine
  • Acne medications (excluding Accutane)
Dental
Standard Plan
  • 100% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
  • 100% of one cleaning and one unit of polishing, includes up to 4 units of scaling 
  • Fluoride treatments will be limited to one per policy year.
  • 75% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
  • 75% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year.
  • Endodontics, Periodontics, and Major Restorative are covered at 10%.
Enhanced Drug/Vision Plan
  • 50% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
  • 50% of one cleaning and two units of polishing, includes up to 4 units of scaling
  • Fluoride treatments will be limited to one per policy year.
  • 40% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
  • 25% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year.
  • Endodontics, Periodontics, and Major Restorative are not covered.
Enhanced Dental/Vision Plan
  • 100% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
  • 100% of one cleaning and two units of polishing, includes up to 4 units of scaling 
  • Fluoride treatments will be limited to one per policy year.
  • 80% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
  • 75% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year.
  • Endodontics, Periodontics, and Major Restorative are covered at 10%.
Vision
Enhanced Drug/Vision Plan
  • one eye exam every 24 consecutive months to a maximum of $50.00
  • $80.00 maximum towards prescribed lenses and frames OR contact lenses every 24 consecutive months
  • $200.00 should you be prescribed contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia. Please refer to your Student Health Plan booklet for further details.
  • There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
Enhanced Dental/Vision Plan
  • one eye exam every 24 consecutive months to a maximum of $50.00
  • $80.00 maximum towards prescribed lenses and frames OR contact lenses every 24 consecutive months
  • $200.00 should you be prescribed contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia. Please refer to your Student Health Plan booklet for further details.
  • There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
Accident Benefits
Standard Plan
  • A death occurring as a result of an accident will pay $7500.
  • Hospital charges
  • Services of a nurse
  • Services of a physiotherapist or chiropractor when recommended by a physician
  • Services of a chiropodist, podiatrist, osteopath or speech therapist
  • Transportation by an ambulance up to $1,000
  • Medical equipment
  • X-rays
  • Injury coverage to a maximum of $2,000.
  • Licensed taxi covered to a maximum of $50.
  • Training for special occupation covered to a maximum of $5000.
  • Transportation of the body of the deceased to the city of residence, covered to a maximum of $2,000.
  • Tutorial services at $20/hour up to $2,000.
  • Eyeglasses and contact lenses repair, replacement and purchase to a maximum of $100.
  • Alterations and modifications to your home and vehicle are covered to a maximum of $10,000.
  • Covered to a maximum of $3000.
  • All students may obtain coverage for their spouse and dependant children. You may enroll your family using your Visa online or by certified cheque or money order through the mail.
  • Students must have received treatment from a qualified physician/dentist within 30 days from the date of an accident.
Travel
Standard Plan
  • services and supplies rendered by a hospital while the Insured is confirmed as a resident in-patient in standard ward or semi-private accommodation
  • services of a physician or anesthetist
  • services of a nurse
  • diagnostic x-ray examination by a physician
  • transportation by a licensed ambulance: rental of crutches, splints, trusses or braces (excluding the expense of brace or similar device used for non-therapeutic purposes or used solely for the purpose of participating in sports or other leisure activities).
  • When injury necessitates immediate medical attention, the Company will pay the reasonable expense incurred for a licensed taxi to transport the Insured to either a physician’s office or the nearest hospital, subject to the maximum amount of $50.00 as the result of any one accident.
  • If injury necessitates special medical treatment recommended by the attending physician and which cannot be obtained within a radius of 160 kilometers of the Insured's residence, the Company will pay the reasonable and necessary travel expenses actually incurred to obtain such treatment. Should the age of the Insured necessitate accompaniment by an escort, the Company will pay reasonable and necessary travel expenses actually incurred for the person who accompanies the Insured, plus ordinary living expenses up to $40.00 per day. The maximum amount payable under this provision is $1,000.00 for all such expenses.
  • If, as a result of an injury, it is deemed necessary for the Insured to be transported to his regular scheduled classes and his residence by means of transportation other than that which would have normally been used by the Insured, had such injury not occurred, the Company will reimburse the Insured for the additional cost of such alternate transportation, subject to a maximum of $15.00 per day and payable up to 60 scheduled class days.
Student Wellness Programs
Standard Plan
  • Addictions and Problem Gambling Services
  • Level 6, Russell Building  
  • 89 Norman Street, Sarnia, Ontario N7T 6S3
  • Tel: 519-464-4400, Ext. 5370
  • 109 Durand Street, 
  • Sarnia, Ontario N7T 5A1
  • Tel: 519-344-5602 
  • http://www.lmwc.ca/
  • Available 24/7 including holidays.
  • Tel: 519-336-3445 or 800-307-4319
  • Levels 4 & 6, Russell Building
  • Bluewater Health
  • 89 Norman Street, Sarnia, Ontario N7T 6S3