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Plan Overview
UNB Graduate Students
Prescription Drugs

80% co-insurance
Maximum: $5,000

Dental

Maximum: $850
Basic and Preventative: 100% 
Minor Restorative: 75% 
Extractions (limit 2 wisdom teeth): 75%  
Major Restorative: 10% 

Extended Health

80% per treatment up to $400-$600 depending on the type of practitioner.

Vision

One general eye examination, $150 for prescribed lenses and frames or contact lenses every 24 consecutive months.

Prescription Drugs
UNB Graduate Students
  • 80% coverage
  • $7.00 dispensing fee cap
  • insulin injectibles;
  • insulin supplies which include syringes, needles and diagnostic test strips, including glucometers, alcohol swabs and lancets, subject to a maximum of $500.00 per Insured per policy year (pseudo din #910333 must be used for all diabetic supplies);
  • preventative vaccines including Gardasil and Hepatitis B;
  • allergy serums;
  • HIV prophylaxis;
  • Nuva Ring (contraceptive) per insured, per policy year;
  • oral contraceptives and the patch (birth control);
  • Mirena, Jaydess and Kyleena IUD per insurer every 5 years from purchase date;
  • all acne preparations including Accutane;
  • fertility Treatment/Erectile Dysfunction/Weight loss (Combined) subject to a maximum of $150.00 per policy year;
  • antihistamines and allergy sera included in the drug plan maximum
  • Hepatitis C subject to a $1,500.00 lifetime maximum;
  • hormone replacement therapy, subject to a $500.00 maximum, per policy year;
  • central nervous system stimulants, subject to a $700.00 maximum ($1,000 maximum eff. Sept 1/23), per policy year.
Dental
UNB Graduate Students
  • 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 (above the gum line).
  • 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, other oral surgery is covered at 10% as noted below.
  • Endodontics, Periodontics, and Major Restorative are covered at 10%.
Extended Health
UNB Graduate Students
  • Combined services of a clinical psychologist (including RSW and MSW social workers) or speech therapist, to a maximum of $600.00
  • 80% up to a maximum of $400.00 each policy year for each type of practitioner listed below:
  • services of a naturopath;
  • services of a chiropractor;
  • services of a osteopath or chiropodist;
  • Services of a physiotherapist, if recommended by a physician.
  • Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 80% to a maximum of $200.00, if recommended by a physician, podiatrist or chiropodist.
  • Orthopedic supplies as noted above must be dispensed by one of the following providers: Orthotist, Pedorthist, Podiatrist or Chiropodist.
  • Orthopedic supplies must be dispensed by a different provider than the prescriber.
  • Orthopedic supplies prescribed or dispensed by a chiropractor are not eligible.
  • *When submitting your claim, be sure to including the following: your Major Medical Expense Claim form, referral pre-dating treatment, original paid-in-full invoice, gait analysis or bio-mechanical exam, and a description of the raw materials used in the construction of the orthotic.
  • Air or land ambulance service to the nearest hospital when an emergency requires immediate attention.
  • Charges for wheelchairs, walkers, hospital beds, traction kits which are rented for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250.00.
  • Compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary.
  • Continuous positive airway pressure (CPAP), Variable Positive Airway Pressure (VPAP) and Automatically-adjusting Positive Airway Pressure (APAP) machines are covered to a combined maximum of $1,250.00 per person per lifetime;
  • Continuous positive airway pressure (CPAP), Variable Positive Airway Pressure (VPAP) and Automatically-adjusting Positive Airway Pressure (APAP) supplies are covered to a combined maximum of $500.00 per person per policy year.
  • Artificial limbs - lost, repair & replacement
  • Artificial eyes - one polishing or one re-making each year
  • Casts, splints, trusses, braces or crutches, including replacements when medically necessary
  • External breast prosthesis to a maximum of $200
  • Oxygen, blood or blood products and the equipment required for its administration
  • treatment of a sickness by the use of radiotherapy or coagulotherapy
  • laboratory tests done in a commercial laboratory for diagnosis of a sickness but excluding any tests performed in a physician's office or a pharmacy
Vision
UNB Graduate Students
  • One eye exam every 24 consecutive months.
  • $150 maximum towards prescribed lenses and frames OR contact lenses every 24 consecutive months
  • $150.00 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
UNB Graduate Students
  • 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.
Travel
UNB Graduate Students
  • 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).
  • Lifetime Maximum: $5,000,000
  • 120 Days maximum
  • 180 Days maximum (eff Sept 1/22)
  • For emergency assistance call 1-877-207-5018
  • Outside North America, call collect: +819-566-3940
  • YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage.
Student Wellness Programs
UNB Graduate Students
  • The importance of self-care and a healthy balance in mental and physical well-being for students is extremely important today, especially for those arriving to join a new community, experience different environments and meet new peers. It often means facing challenges and dealing with new pressures. With this program, you are not alone.  There are resources to find clinical support and assistance on your campus and in your community as well as coaching, tips, and tools available. 
  •  
  • Starting September 01 2024, the WeConnect Student Assistance Program (SAP) provides mental health and wellness services to students through our virtual platform (powered by Dialogue), available via the web or a mobile application.
  •  
  • How do I access?
  •  
  • Follow this link: https://app.dialogue.co/ or download the Dialogue application from the app store.
  • Call 1-855-853-0565 
  •  
  • Services include:
    • Access is available 24/7 by phone or virtual resources, worldwide.
    • Care is immediate by connecting with the intake team and payment for counselling is not required 
    • Time management and organization
    • Career development
    • Student-life balance
    • Personal growth and development
    • Dependent Care
    • Legal and Financial Support
    • Daily Living / Life Coaching
    • Mindfulness / Wellness Coaching