MANITOBA INTL STUDENT HEALTH INSURANCE -- STUDENTS INFO

By: Miship  09-12-2011
Keywords: physician

Medical Services & Supplies

YOUR BENEFITS
STUDENTS

OVERVIEW

MISHIP will reimburse you for eligible medical expenses. Reimbursement will be limited to the amount indicated in the Manitoba Provincial Fee Guide.

IMPORTANT!
If you are travelling outside of Manitoba, this policy reimburses the cost of services and/or supplies up to the same limits Manitoba Health would pay if provided in Manitoba. Should the cost of services and/or supplies be higher than the cost of the same services in Manitoba, you are responsible for the additional cost.

You and your eligible dependents are covered for a number of medically necessary services, including:

  • Physicians' services
  • Surgery
  • Anaesthesia
  • X-ray and laboratory services in approved facilities, when ordered by a physician
  • Prenatal care

The Plan will pay for physicians' services provided outside Canada on an emergency basis, at a rate equal to what a Manitoba doctor would receive for similar services.


The Plan covers the services of a licensed chiropractor for the adjustment of the:

  • spinal column
  • pelvis
  • extremities

Note, the Plan will reimburse the cost for services subject to the same treatment limitations and dollar maximums indicated in the Manitoba Provincial Fee Guide. You will be responsible for amounts charged in excess of the limitations and dollar maximums.


The Plan covers the cost of one routine complete eye exam for insured persons under age 19 or over age 65.

Reimbursement is limited to one eye exam per 24-month period to the dollar maximums indicated in the Manitoba Provincial Fee Guide.


The Plan will cover the cost of certain dental procedures, performed by a dental surgeon or a registered oral surgeon, when hospitalization is required.

Following are some examples:

  • Surgical removal of impacted teeth.
  • Surgical removal of teeth, due to a specific systematic condition, on a physician's recommendation.
  • Surgery due to traumatic injuries of the soft tissue in and around the mouth.
  • Closed reduction of fractures of mandible or maxilla (including assisting a physician during this procedure). These expenses are covered in an emergency and on the recommendation of a physician.
IMPORTANT!
Dental surgery expenses are covered only if the treatment occurs in a Manitoba hospital and provided that you received prior approval from Great-West Life. No other dental services are covered under this Plan.

  • Persons who have had a single mastectomy may claim up to 2 prostheses every 4 years and 2 surgical bras every year.
  • Persons who have had a double mastectomy may claim up to 4 prostheses every 4 years and 2 surgical bras every year.
  • The Plan will pay up to $153.50 per breast prosthesis and $12.30 per surgical bra.
  • You are not required to pay a deductible.
  • If you (or your eligible dependents) are under 18 years of age and a hearing aid has been prescribed by an otolaryngologist or audiologist, the Plan will provide 80% reimbursement of the cost of:
    • an analog device, up to a maximum of $500 per ear
    • a digital or analog programmable device, up to a maximum of $1,800
    • related services, such as dispensing fees, ear moulds, and ear impressions
  • You may claim up to one hearing aid per ear, every 4 years, unless there is a medically diagnosed change in your condition.
  • The Plan does not cover:
    • repairs after the warranty expires
    • batteries
    • ear mould replacements and additional ear moulds
    • lost hearing aids
  • If you (or your eligible dependents) are under 18 years of age, the Plan will provide 50% reimbursement of the cost of:
    • stock shoes up to a maximum of $27.80
    • shoes for children with different sized feet to a maximum of $41.80
    • custom-made shoes to a maximum of $139.00
  • The Plan also provides an allowance of $5.55 per pair of shoes, for modifications to orthopaedic shoes
  • You may claim up to two pairs of orthopaedic shoes per year, plus modifications.
  • You are not required to pay a deductible.
  • The Plan will reimburse the cost of eligible expenses for artificial eyes, cosmetic shells, and related services including building up, refitting, resurfacing and repolishing, up to a pre-determined maximum.
  • You may claim 1 device every 2 years
  • The Plan will also cover the cost of one contact lens, per eye, per infant, up to a maximum of $190.00 per single lens, and $380.00 for bilateral lenses.
  • You are not required to pay a deductible.
  • If you are profoundly deaf or speech impaired the Plan will reimburse 80% of the cost of telecommunications equipment which allows telephone conversations to be conducted by keyboard or display terminal.
  • Maximum reimbursement of $428.00 per device.
  • You may claim up to 1 device every 5 years.
  • The Plan will provide coverage for prosthetic or orthotic services, when prescribed by a physician and provided by a certified prosthetist or orthotist.
  • The Plan will reimburse 100% of eligible expenses for:
    • Limb prosthetic devices and services
    • Limb and spinal orthotic devices and services
  • You may claim up to 1 device every 2 years, unless there has been a change in prescription or the initial device is damaged beyond repair.
  • You are not required to pay a deductible.
The information in this article was current at 06 Dec 2011

Keywords: physician