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Your plan from AGECAR

The Plan

You are automatically enrolled in a student supplemental group insurance plan through your student association. For less than $20/month, you can benefit from an advantageous coverage, in addition to a host of discounts and preferential rates from our Discount Network discount partners. 

If, however, you do not wish to take advantage of these benefits, you may opt out of the plan during the coverage amendment and withdrawal period. You may already be covered by another insurance plan, so it is important that you confirm your coverages, compare them, and that you consider the option to combine benefits before your withdrawal. For more information on the coordination of benefits, please refer to the Claims 101 section.

AGECAR provides you with extended health insurance, dental and eye care, as well as accident and travel insurance.

Plan Enrollment Important Numbers Coverage Amendment and Withdrawal Period Family Coverage International Students


Plan Enrollment

The insurance premium is included in your tuition invoice. It is billed in two installments: the first in the Fall semester, and the second in the Winter semester. All academic fees for the current semester must be paid before you can receive reimbursement.

Dental Health, Accident, and Travel Health, Dental, Accident, and Travel
Fall
Sept 1st to Dec 31st
$55 $34 $89
Winter
Jan 1st to Aug 31st
$91 $61 $152
Annual Individual Total $146 $95 $241

If applicable, fees include premiums, administration fees, commissions, withholdings, and taxes that may apply to the plan.


Important Numbers

Here are some important numbers pertaining to your plan.

The health/dental group number is the group number to use when creating your account for the web portal and/or the Major mobile app.


Coverage Amendment and Withdrawal Period

Any change to your plan, whether withdrawal from the plan or addition of dependents (children), must be made during the amendment period. This period is between September 1st and October 13th for students enrolled in the Fall semester; for students enrolled in the Winter semester, this period is between January 1st and February 16th.

You may already be covered under another benefit plan. It is important to check your coverage, compare it with this plan, and consider coordination of benefits before withdrawing. Please note it is not possible to withdraw only from some components of the plan

Amendment and Withdrawal Period:  

Fall 2022: September 1st to October 13th

Winter 2023 – January 1st to February 16th 

In the event of a withdrawal, the Major Plan will reimburse the amount of your plan membership after the end of the withdrawal period.

  • Students enrolled in the Winter semester

    A student registered in the winter semester, regardless of whether he or she chooses to retain, modify or withdraw in the winter, will have to make the modification or withdrawal again the following fall semester. Similarly, the steps to add dependents must be done again.

Please note that you will be able to create your profile on the mobile application and web portal only after the end of the amendment and withdrawal period.


Family Coverage

During the amendment period, you may extend the plan’s coverage to children and/or your spouse, providing an affordable family plan.

To do so, please complete and forward the Family Coverage form, along with the annual fees for your dependents before the end of the amendment period.

Dental Health, Accident, and Travel Health, Dental, Accident, and Travel
Adding Spouse (same coverage as the insured) N/A N/A $241 / person
Adding Dependents(s)
(same coverage as the insured)
N/A N/A $241 / child

Family Coverage


International Students

International students are automatically enrolled in the supplementary dental component of the Major Plan. During the amendment period, you may add health coverage. To do so, you must forward the International Health Coverage form, along with the annual fees, directly to Major Plan during the plan’s amendment and withdrawal period.

International students may also opt-out of the dental component during the plan amendment and withdrawal period. This can be done through your student association portal.

International students may also extend coverage to their children and/or spouse. Their coverage will be identical to yours. To do so, you must forward the Family Coverage form, along with the annual fees, for both you and your dependents, before the end of the amendment period.

International Health Coverage

Coverage Offered by

Heath and Dental: Assumption Life
Accidents and Travel: AIG Insurance Company of Canada

 

 

Coverage

The coverage period is divided into two periods: September 1, 2022, to August 31, 2023. To be eligible for both, you must maintain your student status and student association membership for both.

Fall: September 1 to December 31
Winter: January 1 to August 31

Plan coverage allows for supplementary health, dental, accident, and travel coverage. Note that prescription drug coverage is not included in your plan and does not replace the prescription drug insurance coverage required by the government of Québec (Régie de l’assurance maladie du Québec).

Health Care Dental Care Vision Accident Travel

All the details of the 2021-2022 coverage right here → 2021-2022 Coverage

 

2022-2023 Coverage

Here are the details for the 2022-2023 coverage that will be active starting September 1st, 2022

Health Care

The Supplementary Health coverage provided by your student association’s plan covers several health care services not covered by Régie de l’assurance maladie du Québec.

The policy number for health care claims is: 13439

Note that prescription drug coverage is not included in the plan.

Student coverage does not replace the prescription drug coverage now required by the Quebec government. Additionally, international students must be enrolled in a prescription drug insurance plan.

Keeping your Major Plan coverage will allow you to benefit from discounts and preferential rates from partners such as Clinique Virtuelle, Énergie Cardio, Nautilus Plus, and many others. Visit the Discount Network section of our website for more details.

Discount Network

The information provided is for reference purposes only. Clauses in the coverage contract take precedence. Some age restrictions may apply. A doctor’s note may be required and some services may only be performed by a recognized professional. Your claim must be received by Major Plan’s claims department no later than 365 days after the date you received the service.


Dental Care

Thanks to coverage from your Student Plan, you may receive up to $800 in dental care reimbursements per coverage period.

The policy number for dental claims is: 13439
For claims made directly from the dentist’s office, you may need to provide the alphanumeric identifier TELUS ADJUDICARE 34 / AUTOBEN.

It is important you obtain a treatment plan from your dental care provider in order to determine coverage eligibility, particularly if the cost of the procedure exceeds $200.

Keeping your Major Plan coverage will allow you to benefit from discounts and preferential rates from Centres Dentaires Lapointe. Visit the Discount Network section of our website for more details.

Eligible costs are as determined by the Dental Association of the Canadian province where the insured individual resides (generalist rate). The information provided is for reference purposes only. Clauses in the coverage contract take precedence. Some restrictions may apply. A doctor’s note may be required and some services may only be performed by a recognized professional. Your claim must be received by Major Plan’s claims department no later than 365 days after the date you received the service.


Vision

Vision coverage provides you with eye exams at a reduced cost and reduces the cost of prescription eyeglasses or contact lenses. The plan also covers laser vision surgery.

The policy number for Vision claims is: 13439

You can benefit from additional savings through our partnership with IRIS The Visual Group. Details are available in the Discount Network section. When signing up for the IRIS Advantage program, use your permanent code when prompted for a member number.


Accident Insurance

Maintaining your student plan coverage means you’ll benefit from affordable coverage in case of an accident.
Accident insurance under your plan provides benefits covering a wide range of situations, such as dental costs stemming from an accident, and health care costs.
Accident insurance also covers the costs of hospitalization, chiropractor, and physiotherapist services, allowing you to devote your energy to recovering from the accident.

Your policy number for Accident claims is: SRG 914 0579-003

What constitutes an accident?
An accident is defined as an unintentional and unplanned event caused by an external source.

Please refer to the loss schedule included in the Accident Insurance Passport for more information about reimbursement terms.

Accident Plan

Accident Insurance Claim

To submit a claim, please contact the AIG Insurance Company of Canada directly at 1-877-317-8060 or AHClaimscan@aig.com.

You can also contact our customer service department at 1-877-976-2567.

If your other insurance plan includes dental trauma coverage or other supplementary health care coverage, you must submit your claim with your other plan before submitting it to AIG. However, the Major Plan team remains available to help you coordinate the benefits process.

Your policy number for Accident claims is: SRG 914 0579-003

Please note: Deadlines apply for submitting a claim.

Time Between the Accident and Resulting Injury or Loss Maximum Time Before First Reimbursement
Death and Dismemberment No more than 365 days after the accident
Assessment fees, Paramedical fees, and Accident-related Dental No more than 30 days

after the accident

Within 52 weeks of the accident that caused the injury

Please note that you have 90 days to submit a notice of claim after death, loss of sensation, loss of limb, or total or partial paralysis.


Travel Insurance

The Travel component of the plan offers coverage for medical emergencies abroad and travel cancellations up to $5 million.

Your policy number for Travel claims is 9426277-002.

To submit a Travel insurance claim, contact AIG Insurance Company of Canada (AIG) directly at 1-877-207-5018.

Coverage is valid for trips up to 180 consecutive days. In addition, travel must take place during the current coverage period.

The Travel Passport is a reference to keep on hand when traveling. It provides easy access to important numbers in the event of an incident.

Travel Passport

Travel Coverage

Please note that students aged 70 and over are not covered by travel insurance. If you have any questions regarding travel coverage, please contact a Major Plan Client Services representative.

 

Coverage offered by

Heath and Dental: Assumption Life
Accidents and Travel: AIG Insurance Company of Canada

 


2021-2022 Coverage

The coverage period was from September 1, 2021, to August 31, 2022

Note that prescription drug coverage is not included in your plan and does not replace the prescription drug insurance coverage required by the government of Québec (Régie de l’assurance maladie du Québec).

    • 2021-2022 Health coverage

      The information provided is for reference purposes only. Clauses in the coverage contract take precedence. Some age restrictions may apply. A doctor’s note may be required and some services may only be performed by a recognized professional. Your claim must be received by Major Plan’s claims department no later than 365 days after the date you received the service.

      • 2021-2022 Dental coverage

        Eligible costs are as determined by the Dental Association of the Canadian province where the insured individual resides (generalist rate). The information provided is for reference purposes only. Clauses in the coverage contract take precedence. Some restrictions may apply. A doctor’s note may be required and some services may only be performed by a recognized professional. Your claim must be received by Major Plan’s claims department no later than 365 days after the date you received the service.

    • 2021-2022 Vision coverage

      The information provided is for reference purposes only. Clauses in the coverage contract take precedence. Some age restrictions may apply. A doctor’s note may be required and some services may only be performed by a recognized professional. Your claim must be received by Major Plan’s claims department no later than 365 days after the date you received the service.

    • 2021-2022 Accident coverage

      Please refer to the loss schedule included in the Accident Insurance Passport for more information about reimbursement terms.

      Accident Plan

      Accident Insurance Claim

      To submit a claim, please contact the AIG Insurance Company of Canada directly at 1-877-317-8060 or AHClaimscan@aig.com.

      You can also contact our customer service department at 1-877-976-2567.

      If your other insurance plan includes dental trauma coverage or other supplementary health care coverage, you must submit your claim to AIG first. However, the Major Plan team remains available to help you coordinate the benefits process.

      Your policy number for Accident claims is: SRG 914 0579-003

      Please note: Deadlines apply for submitting a claim.

      Time Between the Accident and Resulting Injury or Loss Maximum Time Before First Reimbursement
      Death and Dismemberment No more than 365 days after the accident
      Assessment fees, Paramedical fees, and Accident-related Dental No more than 30 days

      after the accident

      Within 52 weeks of the accident that caused the injury

      Please note that you have 90 days to submit a notice of claim after death, loss of sensation, loss of limb, or total or partial paralysis.

    • 2021-2022 Travel coverage

      Please note that students aged 70 and over are not covered by travel insurance. If you have any questions regarding travel coverage, please contact a Major Plan Client Services representative.

 

 

Claims 101

Please note that you will be able to create your profile on the mobile application and web portal only after the end of the amendment and withdrawal period.

There are several ways to submit a claim. Claims can be submitted by email, directly with a professional, through the mobile app or web portal, by fax, or by mail.

When making claims, it is important to provide your name, permanent code and your policy/group number. Additionally, by providing your direct deposit information, you will receive your payment much faster.

Claims will be processed after the amendment and withdrawal period ends. Claims are processed within six (6) business days of document receipt.

For travel claims, please contact AIG directly at 1 877 207-5018. For accident claims, please contact 1-877-317-8060.

You also have the option of submitting a claim directly from the dentist’s office by filling out a dental claim form, available on the Major Plan website, or at your dentist’s office. The TELUS ADJUDICARE 34 / AUTOBEN alphanumeric identifier, policy/group number, and permanent code must be provided to the professional when the form is being filled out.

Since you may be covered by another insurance plan, your association offers you a supplemental insurance plan that allows the coordination of benefits for which you are eligible. Coordination of benefits allows you to combine the benefits and services from your student plan with those received from your parents’, your spouse’s, or your employer’s plan. It is important to confirm the existence of other coverages and to compare them.

Important Numbers

Here are some important numbers to submit a claim.

 

Health and Dental Claims

There are several ways to submit a claim. Claims can be submitted by email, directly with a professional, through the mobile app or web portal, by fax, or by mail.

Email

To submit a claim by email, scan or take a picture of your invoice (dental or paramedical) using your smartphone, and email it to claim@majorplan.ca.
Your name, student code, and policy number must be included at the top of the email, and a void cheque.

Directly from the Health Care Professional

Dental offices may submit a dental claim form directly if requested. The amount of the bill could be reduced immediately, depending on the terms of the coverage. The TELUS ADJUDICARE 34 / AUTOBEN alphanumeric identifier, policy/group number, and permanent code must be provided to the professional when the form is being filled out.

Mobile App and Web Portal

Claims can be submitted through our mobile app and web portal. Submission of claims and uploading of receipts can be done directly from your profile. In addition, we highly recommend that you provide your banking information under “Direct Deposit” if you wish to receive your reimbursement more quickly.
You will be prompted to create an ID using your certificate number (permanent code), policy/group number, date of birth, and postal code noted in your academic file.

Web PortalMobile App Google Play Mobile App IOS

Fax and Mail

Submit your claims by providing copies of your health care receipts and/or claim form by fax, or mailing them to the following address:

Major Plan
CP 70025 SUCC QUÉBEC-CENTRE,
Québec, QC, G2J 0A1

Fax: 1-819-205-0714

Please ensure that your name, your permanent code provided by your educational institution, as well as your policy/group number are included in all your correspondence with us. Please note: in order to expedite the repayment of your claims, it is highly recommended that you send us a void cheque.

Accident and Travel Claims

To submit a claim for accident and travel insurance, please contact the AIG Insurance Company of Canada (AIG) directly. It should be noted that there are two separate phone numbers to join them depending on whether you make an accident or travel claim.

For travel claims, please contact AIG directly at 1 877 207-5018.

For accident claims, please contact 1-877-317-8060.

Please ensure that your name, your permanent code provided, and your policy/group number are included in all your correspondence with AIG.

Coordination of Benefits

Since you may be already covered by another insurance plan, your association offers you a supplemental insurance plan that allows the coordination of benefits for which you are eligible. Coordination of benefits allows you to combine the benefits and services from your student plan with those received from your parents’, your spouse’s, or your employer’s plan. It is important to confirm the existence of other coverages and to compare them. Claims for reimbursement can be made to multiple plans, however, the total sums received under all claims may not exceed 100% of the costs incurred. For this reason, it is important to determine the order in which claims should be submitted to your various group plans to combine benefits.

The order in which claims are submitted to multiple group plans is determined by your coverage type.

  • Policyholder: your employers’ or student association’s plan.
  • Dependent and Spouse: your parents’ or your spouse’s employers’ plan.
  • Coordination with Your Employer’s Plan

    The procedure to coordinate your student association’s plan with your employer’s plan is as follows:

    1. Submit your health or dental claim to your employer’s plan’s insurance company, making sure to keep a copy of the receipts if submitted by mail.
    2. Once the claim is processed, you will receive a “Statement of Benefits” from your employer’s insurance company.
    3. Submit your claim to Major Plan along with a copy of your health care or dental receipts, the appropriate form, and the “Statement of Benefits.”
    4. Major Plan will send you the eligible amount, and the second “Statement of Benefits” will be available for download from the web portal.

  • Coordination with Your Parents’ or Spouse’s Plan

    The procedure to coordinate your student association’s plan with your parents’ or spouse’s plan is as follows:

    1. Submit your health or dental claim to Major Plan, making sure to keep a copy of the receipts if submitted by mail.
    2. Once the claim is processed, download the “Statement of Benefits” from the Major Plan web portal.
    3. Submit your claim to your parents’ or spouse’s plan’s insurance company along with a copy of your health care or dental receipts, the appropriate form, and the “Statement of Benefits.”
    4. Your parents’ or spouse’s insurance company will send you the eligible amount and a second “Statement of Benefits.”

  • Coordination with Two (2) Student Supplemental Plans

    You may be studying in two (2) educational institutions and benefit from a supplemental insurance plan for both. If this is the case, the procedure to coordinate both of your student association’s plans may vary according to your student status (full-time or part-time). Full-time or part-time student status is established by your educational institution.

     

    If you have FULL-TIME student status with one of your educational institutions, and PART-TIME status with the other:

    1. Submit your health or dental claim to the plan insurance company for the educational institution in which you have FULL-TIME student status, making sure to keep a copy of the receipts if submitting by mail.
    2. Once the claim is processed, you will receive a “Statement of Benefits” from this educational institution’s insurance company.
    3. Submit your claim to the plan insurance company for the educational institution in which you have PART-TIME student status along with a copy of your health care or dental receipts, the appropriate form, and the “Statement of Benefits.”
    4. The above educational institution’s insurance company will send you the eligible amount and a second “Statement of Benefits.

     

    If you have the same student status in all your educational institutions FULL-TIME/FULL-TIME or PART-TIME/PART-TIME:

     

    When your student status is the same in both of your educational institutions, the order of precedence for the 1st payer is determined according to the coverage start date of the oldest plan.

    1. Submit your health or dental claim to the insurance company for the educational institution whose plan’s coverage start date is the oldest, making sure to keep a copy of the receipts if submitting by mail.
    2. Once the claim is processed, you will receive a “Statement of Benefits” from the educational institution’s plan insurance company.
    3. Submit your claim to your second plan’s insurance company along with a copy of your health care or dental receipts, the appropriate form, and the “Statement of Benefits.”
    4. The above insurance company will send you the eligible amount along with a second “Statement of Benefits.”

     

    If the precedence of the first payer cannot be established, your claim will be subject to a proration of the benefits, meaning that the benefits paid by the insurance plans are calculated according to the amount that would be paid by each plan if it was 1st payer. For more information, contact customer service.

     

    EXAMPLE : Eligible dental costs $70
    Plan A (Co-insurance 70%): Liability as 1st payer $49
    Plan B (Co-insurance 60%): Liability as 1st payer $42

    By adding the sums that would be paid by both plans as 1st payer, we get: $48 + $42 = $91 But the total sums received under both plans may not exceed the eligible costs of $70.

    Plan A (proration: $49 divided by $91 = 53.85%): Benefit paid $37.70

    Plan B (proration $42 divided by $91 = 46.15%): Benefit paid $32.30

  • Take Careful Note

    Since you may be covered by more than one insurance plan, it is important that you inform your insurance companies of this. The total sums received under your plans for a given item, service received, or care claimed may not exceed 100% of the eligible costs. In some cases, the total sums received under your plans may be lower than the costs incurred for a given item, service received, or care claimed.

    Failure to provide all the information required for the proper assessment of your file, whether intentional or not, may result in the termination of your coverage plan.

Telemedicine

Telemedicine is a healthcare service offered to the members of the AGECAR that kept their group insurance plan. The members can communicate safely with a healthcare professional 24/7 without having to go to the doctor’s office. It is possible to talk over the phone, by video conference, or use the chat.

You will have easy and quick access to specialists that practice different disciplines. They will answer your different healthcare needs. Furthermore, the doctors and other specialists are authorized to give diagnostics, renew prescriptions, do lab tests, and more. To benefit from this service, you must go on the Telus Health portal and create your profile using your group number (13439) and certificate number, which is your permanent code. Then, connect yourself to the Telus Health platform to start a conversation with a member of our healthcare team. You have 3 free consultations by academic years.

Web Portal

Talk to a professional

 

 

Download the mobile application !      Google playApple Store

 

Q & A

  • How do I create my account?

    1- Visit the Telus health portal at virtualcare.telushealth.com/welcome. or download the Telus Health mobile app
    2- Use your group number (13439) and certificate number (permanent code) to create your account
    3- You can start a free consultation

  • How many consultations do I have access to?

    The members that kept the group insurance plan have access to 3 consultations by the academic year. Then, it costs 50$ per consultation.

    What is considered a consultation?

    A consultation is defined as a videoconference or a phone call with a doctor or a specialized nurse after making an appointment on the Telus Health platform.

 

Student Assistance Program

The primary function of the Assistance Program is to provide psychological support to all members of the student body.

The assistance program offers access to a 24/7 support center. The LifeJourney™ service by Telus Health offers several consultation services and professional interventions focused on short-term problem-solving. Please do not hesitate to contact our team at 1 877-976-2567 if you have any questions regarding this service.

Telus Health LifeJourney™

Emergency Help Line

Contact the helpline at 1-855-636-6846 for immediate assistance in an emergency. The Care Ambassador or clinician will assist you and direct you to the appropriate care.

 

Telus Health Virtual Care Web Portal and Mobile Application

Register for the Telus Health Virtual Care web portal and mobile app to access a variety of support tools, a resource center, online consultations, and more. When you first log in, use your group number 13439 as well as your personal login that corresponds to your student ID number.

Web Portal

Download the mobile application!      Google playApple Store

 

 

How to activate your account?

Step 1

Enter the email address you wish to use to set up your account.

Step 2

Enter your province.

Step 3

Select “I am eligible as a student”.

Step 4

Select “I will use my group number”.

Step 5

Enter your group number: 13439

Enter your coverage identifier: student ID number

Step 6

Click on “Email me my activation link”. Then click on the link sent to your email address and complete your registration.

 

Resource Center

Below, you will find useful information such as coverage contracts, limitations, and the information management policy.

Withdrawal

Enrolment in the student supplemental group insurance plan is automatic, however, you may opt-out, free of charge, during the plan’s amendment and withdrawal period.

During the withdrawal period, you may partially or completely withdraw from the plan. Partial withdrawal allows you to opt-out of only one of the dental or supplementary health components. The supplementary health component includes the Travel insurance and Accident insurance coverage. It is not possible to split the coverage within the supplementary health component.

Amendment and Withdrawal Period:  

Fall 2022: September 1st to October 13th

Winter 2023 – January 1st to February 16th 

In the event of a withdrawal, the Major Plan will reimburse the amount of your plan membership after the end of the withdrawal period.

Request for Withdrawal

The withdrawal request must be made within the prescribed time frame. You will have no other opportunity to exercise your opt-out option.

To withdraw from the Supplementary Insurance Plan, please complete and forward the Web-based form below. An email confirmation will be sent once the application has been successfully saved. Keep this email as proof of withdrawal.

Withdrawal Forms

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