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Plan Overview
Nipissing University
Prescription Drugs

80% co-insurance
Additional 20% discount on eligible medication  drug cost at Rexall eff. Sept. 1/24
$4,000.00maximum*
* IUD (Combined $200 maximum)
* Nuva Ring contraceptive ($178 maximum)
* Gardasil vaccine (subject to a maximum of $150.00 per Insured per policy year, only when purchased through the Campus Health Centre)

Dental

Basic and Preventative: 80% co-insurance
Minor Restorative: 70% co-insurance
Major Restorative: 10% co-insurance
Maximum of $650

Extended Health

Paramedical Practitioners:
$40 per visit
Maximum: $400

Vision

$80 for one eye exam. $200 maximum for prescribed lenses and frames or contacts every 24 consecutive months based on date of first paid claim

Prescription Drugs
Nipissing University
  • 80% coverage
  • Additional 20% discount on eligible medication drug cost at Rexall. (eff. Sept 1/24)
  • Most prescription drugs or medicines
  • Oral Contraceptives, the contraceptive patch, Nuva Ring, Iud's
  • Allergy Serums
  • Insulin injectables
  • Insulin supplies under pseudo din # 910333
  • Oral Contraception, the contraceptive patch
Dental
Nipissing University
  • 80% (additional coverage provided at a network dentist) of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
  • 80%(additional coverage provided at a network dentist) 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.
  • 70% (additional coverage provided at a network dentist) of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
  • 70% (additional coverage provided at a network dentist) coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year.
  • 10% (additional coverage provided at a network dentist) coverage of Endodontics, Periodontics, and Major Restorative.
Extended Health
Nipissing University
  • Combined services of a clinical psychologist, psychotherapist, social worker (RSW and MSW social workers) or speech therapist;
  • Combined services of a naturopath or a chiropractor;
  • Combined services of a certified nutritionist/dietician;
  • Services of a registered massage therapist;
  • 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 other than the on-
  • campus chiropractor are not eligible.
  • *When submitting your claim be sure to include the following: Your major medical expense claim form, referral pre-dating treatment, original paid in full invoice, gait analysis or biomechanical exam, a description of the raw materials used in the construction of the orthotic.
  • A licensed ground ambulance when used to transport an Insured because of emerg ency or in-patient treatment i) from the place where the Insured suffers the sickness to the nearest hospital where adequate medical treatment is available, ii) from one hospital to another, or iii) from a hospital to the Insured’s residence, when an Insured’s condition warrants it.
  • Emergency transportation by a licensed air ambulance to the nearest hospital where adequate treatment is available or to another hospital when certified as essential by the attending physician. If medically necessary, in flight services of a registered nurse and the return air fare for the registered nurse will be included.
  • 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
  • Colostomy supplies, if medically necessary. Such supplies must be either administered or prescribed by a physician and dispensed by a licensed, certified or registered pharmacist. Charges for their administration will not be included.
  • Rental, or at the option of the Company, purchase of a wheelchair, walker, hospital bed, traction kit, or other durable equipment. Repair to a wheelchair will be included up to a lifetime maximum of $250.
  • Purchase, or repair of artificial limbs, including replacements when required, due to physiological change.
  • Purchase of artificial eyes, including cost for one polishing or one remaking of the artificial eye each policy year
  • A licensed air ambulance when used to transport the Insured because of an emergency to the nearest hospital where adequate treatment is available or to another hospital when certified as essential by the attending physician. If medically necessary, in flight services or a nurse and the return airfare for the nurse will be included
  • A licensed ground ambulance to the nearest hospital, from one hospital to another, and from a hospital to the Insured place of residence when the condition on the Insured warrants it. All such expenses must, in the opinion of the company, be reasonable and justified.
  • Artificial limbs - lost, repair & replacement
  • Artificial eyes - one polishing or one re-making each year
  • Charges for crutches, casts, splints, trusses and braces (does not include dental braces, or expense of a brace or similar device used for non therapeutic purposes or used solely for the purpose of participation in sports or other leisure activities, braces must have rigid or semi rigid materials in them), including replacements when medically necessar;
  • External breast prosthesis to a maximum of $200
  • Charges for contact lenses or glasses following cataract surgery (limited to one pair per lifetime)
  • 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.
Vision
Nipissing University
  • One eye exam every 24 consecutive months based on date of first paid claim to a maximum of $80.00
  • $200 maximum towards prescribed lenses and frames OR contact lenses every 24 consecutive months based on date of first paid claim.
  • There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
Travel
Nipissing University
  • 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
Nipissing University
  • 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