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Plan Overview
Balanced Plan
Prescription Drugs

100% co-insurance for eligible generic and brand name medication
$0 Dispensing fee max
Maximum: $5,000

Dental

Basic and Preventative: 80%
Minor Restorative: 80%
Extractions: 50% (25% Anaesthesia)
Peridontics/Endodontis: 50%
Major (Crowns,Bridgework,Dentures): 80%
Maximum: $800

Extended Health

Paramedical Practitioners:
100% coverage to plan maximum based on practitioner
Orthopedics: 90%, $300 maximum

Vision

100% of all eligible vision care claims are covered:
One eye exam every every 24 consecutive months to a maximum of $80.00
$200 maximum towards prescribed lenses and frames OR contact lensess every every 24 consecutive months.

Enhanced Extended Health Care Plan
Prescription Drugs

100% co-insurance for eligible generic and brand name medication
$0 Dispensing fee max
Maximum: $2,500

Dental

Basic and Preventative: 80%
Minor Restorative: 80%
Extractions: 50% (25% Anaesthesia)
Peridontics/Endodontis: 50%
Major (Crowns,Bridgework,Dentures): 80%
Maximum: $400

Extended Health

Paramedical Practitioners:
100% coverage to plan maximum based on practitioner
Orthopedics: 90%, $300 maximum

Vision

100% of all eligible vision care claims are covered:
One eye exam every 24 consecutive months to a maximum of $80.00
$250 maximum towards prescribed lenses and frames OR contact lensess every 24 consecutive months.

Prescription Drugs
Balanced Plan
  • Most prescription drugs or medicines;
  • Insulin injectibles;
  • Insulin supplies which include syringes, needles and diagnostic test strips, including glucometers, alcohol swabs and lancets,(pseudo din# 910333 must be used for all diabetic supplies);
  • Allergy serums;
  • Preventative vaccines, including Hepatitis B. All immunizations and innoculations not covered under OHIP are covered by the plan, with the exception of group immunizations or innoculations;
  • IUD's;
  • Oral contraceptives and injectable contraceptive Depo-Provera;
  • Erectile Dysfunction drugs (50%, $600 max per policy year)
  • CNS Stimulants($500 max per policy year) These are often used to treat ADD and/or Hyperactivity Disorders (i.e. Addreall, Concerta, Vyvanse, Ritalin and their generic versions).
  • Biologic Agents ($1,000 max per policy year) may include drugs used to treat severe arthritis, MS, Crohn's ect. such as Humira
  • Hepatitis C Medications ($1,500 lifetime max)
  • Fertility drugs (50%, $1,500 lifetime max)
  • Smoking Cessation Aids/Remedies ($300 lifetime max)(these items must be purchased in full and manually submitted for reimbursement)
Enhanced Extended Health Care Plan
  • Most prescription drugs or medicines;
  • Insulin injectibles;
  • Insulin supplies which include syringes, needles and diagnostic test strips, including glucometers, alcohol swabs and lancets,(pseudo din# 910333 must be used for all diabetic supplies);
  • Allergy serums;
  • Preventative vaccines, including Hepatitis B. All immunizations and innoculations not covered under OHIP are covered by the plan, with the exception of group immunizations or innoculations;
  • IUD's;
  • Oral contraceptives and injectable contraceptive Depo-Provera;
  • Erectile Dysfunction drugs (50%, $600 max per policy year)
  • CNS Stimulants($500 max per policy year) These are often used to treat ADD and/or Hyperactivity Disorders (i.e. Addreall, Concerta, Vyvanse, Ritalin and their generic versions).
  • Biologic Agents ($1,000 max per policy year) may include drugs used to treat severe arthritis, MS, Crohn's ect. such as Humira
  • Hepatitis C Medications ($1,500 lifetime max)
  • Fertility drugs (50%, $1,500 lifetime max)
  • Smoking Cessation Aids/Remedies ($300 lifetime max)(these items must be purchased in full and manually submitted for reimbursement)
Dental
Balanced Plan
  • $800
  • 80% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year. Limited/Recall exam (one every 9 months)
  • 80% of one cleaning and one unit of polishing; includes up to 2 units of scaling (above the gum line).
  • 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.
  • 50% coverage of extractions and residual root removal.
  • 25% coverage for Anaesthesia (General, Deep and Conscious Sedation)
  • 50% coverage for Endodontics and Periodontics. Major Restorative is covered at 80% (Crowns, Bridgework, Dentures) (subject to limitations & exclusions).
Enhanced Extended Health Care Plan
  • $400
  • 80% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year. Limited/Recall exam (one every 9 months)
  • 80% of one cleaning and one unit of polishing; includes up to 2 units of scaling (above the gum line).
  • 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.
  • 50% coverage of extractions and residual root removal.
  • 25% coverage for Anaesthesia (General, Deep and Conscious Sedation)
  • 50% coverage for Endodontics and Periodontics. Major Restorative is covered at 80% (Crowns, Bridgework, Dentures) (subject to limitations & exclusions).
Extended Health
Balanced Plan
  • 100% coverage to a maximum of $300  each policy year for each type of practitioner listed below:
  • services of a chiropractor;
  • services of a naturopath;
  • services of a podiatrist
  • services of a osteopath
  • services of a chiropodist
  • services of a speech therapist
  • services of a acupuncturist
  • services of a physiotherapist, if recommended by a physician
  • services of a registered massage therapist, if recommended by a physician
  • services of a clinical psychologist or psychotherapist (including RSW and MSW social workers) to a maximum of $500 (Psycho-educational assessment paid at 90%, to $1,000 lifetime maximum)
  • Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 90% to a maximum of $300.00, 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 other than
  • the on-campus chiropractor are not eligible.
  • 90% coverage for:
  • A licensed ground ambulance when used to transport an Insured because of emergency or in-patient treatment.
  • 90% coverage for:
  • Artificial limbs – lost, repair & replacement
  • Artificial eyes - one polishing or one re-making per policy year
  • Casts, splints, trusses, braces or crutches, including replacements when medically necessary;
  • External breast prosthesis when required to a maximum of $200.00 per individual each policy year.
  • 90% coverage to a $500 maximum combined with Equipment Rental
  • Compound serums,ostomy supplies,colostomy supplies, injectable drugs and varicose vein injections, if medically necessary. 
  • 90% coverage to a $500 maximum combined with Medical Supplies
  • Wheelcharis, walkers, hospital beds, traction kits for temporart theraputic use. TENS until aersol equipment, mist tent, traction apparatus, mozes detector, CPAP unit. Repair to a wheelchair will be included to a lifetime maximum of $250.00.
  • All Extended Health claims for the 2020/2021 (Sept 1/20 to Aug 31/21) policy year must be received by the insurer no later than November 30, 2021 to be eligible for reimbursement.
  • Charges for oxygen, blood or blood products and the equipment required for its administration;
  • Charges for treatment of a sickness by the use of radiotherapy or coagulotherapy;
  • Charges for 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.
  • Charges for hearing aids, repairs or replacement parts, if recommended or approved by the attending legally qualified medical practitioner, to a maximum of $500 every 5 years based on date of first claim. No amount will be paid for batteries.
Enhanced Extended Health Care Plan
  • 100% coverage to a maximum of $500  each policy year for each type of practitioner listed below:
  • services of a chiropractor;
  • services of a naturopath;
  • services of a podiatrist
  • services of a osteopath
  • services of a chiropodist
  • services of a speech therapist
  • services of a acupuncturist
  • services of a physiotherapist, if recommended by a physician
  • services of a registered massage therapist, if recommended by a physician
  • services of a clinical psychologist or psychotherapist (including RSW and MSW social workers) to a maximum of $800 (Psycho-educational assessment paid at 90%, to $1,000 lifetime maximum)
  • Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 90% to a maximum of $300.00, 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 other than
  • the on-campus chiropractor are not eligible.
  • 90% coverage for:
  • A licensed ground ambulance when used to transport an Insured because of emergency or in-patient treatment.
  • 90% coverage for:
  • Artificial limbs – lost, repair & replacement
  • Artificial eyes - one polishing or one re-making per policy year
  • Casts, splints, trusses, braces or crutches, including replacements when medically necessary;
  • External breast prosthesis when required to a maximum of $200.00 per individual each policy year.
  • 90% coverage to a $500 maximum combined with Equipment Rental
  • Compound serums,ostomy supplies,colostomy supplies, injectable drugs and varicose vein injections, if medically necessary. 
  • 90% coverage to a $500 maximum combined with Medical Supplies
  • Wheelcharis, walkers, hospital beds, traction kits for temporart theraputic use. TENS until aersol equipment, mist tent, traction apparatus, mozes detector, CPAP unit. Repair to a wheelchair will be included to a lifetime maximum of $250.00.
  • Charges for oxygen, blood or blood products and the equipment required for its administration;
  • Charges for treatment of a sickness by the use of radiotherapy or coagulotherapy;
  • Charges for 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.
  • Charges for hearing aids, repairs or replacement parts, if recommended or approved by the attending legally qualified medical practitioner, to a maximum of $500 every 5 years based on date of first claim. No amount will be paid for batteries.
Vision
Balanced Plan
  • 100% of all eligible vision care claims are covered:
  • One eye exam every 24 consecutive months to a maximum of $80.00
  • $200 maximum towards prescribed lenses and frames OR contact lensess every 24 consecutive months.
  • There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
Enhanced Extended Health Care Plan
  • 100% of all eligible vision care claims are covered:
  • One eye exam every 24 consecutive months to a maximum of $80.00
  • $250 maximum towards prescribed lenses and frames OR contact lensess every 24 consecutive months.
  • There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
Accident Benefits
Balanced 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.
Travel
Balanced 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 anaesthetist
  • 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
  • 180 Days maximum
  • 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.