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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 inexpensive coverage and a host of discounts and preferential rates from our Rebate 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 coordinate 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 on your tuition invoice. It is billed in two instalments: the first in the Fall session, the second in the Winter session. All academic fees for the current session must be paid before you can receive a reimbursement. Please note: if you maintain the plan in the fall, and are still attending school during the Winter session, you will be required to pay your plan premium, with no option for withdrawal.

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 relative to your plan.


Coverage Amendment and Withdrawal Period

Any change to your plan, whether withdrawal, addition of dependents (children and/or spouse), or amendment to coverage options, must be made during the amendment period. This period is between September 1 and October 15 for students enrolled in the Fall session; for students newly-enrolled in the Winter session, this period takes place between January 7 and February 18. There is one (1) coverage amendment period per school year.

You may not opt out of the plan in the winter if you maintained it in the fall. In the event of a withdrawal, the educational institution will credit the amount of your plan membership after the end of the withdrawal period.

  • Student enrolled in the Fall session

    Students enrolled in the Fall session who maintain their student status in the winter may not withdraw from the plan and must pay the related fees if they did not withdraw in the fall.

  • New student enrolled in the Winter session

    For students enrolled in the Winter session, any amendment to their plan, withdrawal from the plan or addition of dependents must be made again the following Fall session, regardless of their status in the Winter (i.e. active, amended or withdrawn coverage).


Family Coverage

During the amendment period, you may extend plan 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 to student@majorplan.ca 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 Plan Major 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, to student@majorplan.ca before the end of the amendment period.

International Health Coverage

Coverage Offered by

Heath and Dental: Self-insured
Accidents and Travel: AIG Insurance Company of Canada

 

 

 

Coverage

The coverage period is from September 1, 2020, to August 31, 2021. It is divided in two periods. In order 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 Quebec government

Health Care Dental Care Vision Accident Travel2019-2020 Coverage


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 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 Rebate Network section of our website for more details.

Rebate Network

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 Plan Major’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 $750 in dental care reimbursements per coverage.

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 AUTOBEN 628151.

It is important you obtain a treatment plan from your dental care provider in order to determine eligible coverage, 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 Rebate 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). 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 Plan Major’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 Network Rebate 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.

Compensation in Case of Accidental Death and Dismemberment (AD&D)

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

INFO-Accident

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 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 with the coordination of 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 Disbursement
Death and Dismemberment No more than 365 days after the accident
Assessment fee, 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 sense, loss of limb or due to 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 Canade (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 travelling. 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: Self-insured
Accidents and Travel: AIG Insurance Company of Canada

 

 

Claims 101

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 a void cheque you will receive your payment much more quickly

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 / AUTOBEN 34 alphanumeric identifier, policy/group number and permanent code must be provided to the professional when the form is being filled out.

Since it is possible that you are 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 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@planmajor.ca.
Your name, student code, your policy number must be included at the top of the email, as well as 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 / AUTOBEN 34 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–Claims Services
763 boulevard St. Joseph
Gatineau, QC, J8Y 4B7

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 it is possible that you are 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 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 in order to coordinate benefits.

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

  • Policy holder: 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 submitting 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 submitting 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 along with 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 along with a second “Statement of Benefits.

     

    If you have the same student status in all your educational institutions FULL-TIME/FULL-TIME ou 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.

     

    EXEMPLE : 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 it is possible that you are covered by more than one insurance plan, it is important that you inform your insurance companies of this. The total sums received under all 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 all 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 to use the chat.

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

EQ CARE PORTAL

How it works ?

 

 

 

 

Download the mobile app !      Google playApple Store

 

Q & A

  • How do I create my account?

    1- Visit the EQ Care portal at planmajor.eqcare.com or download the EQ Care 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 academic year. Then, it costs 50$ per consultation.

    What is considered as a consultation?

    A consultation is defined as a videoconference or a phone call with a doctor or a specialised nurse after making an appointment on the EQ Care platform.

 

Student Assistance Program

The Major Plan Student Assistance Program (SAP) provides all members of the student association, whether they are enrolled in the benefit plan or not, with access to a 24/7 support center.

For support and guidance, call the toll-free number.

Service is confidential. When speaking with SAP operators, you will be asked to provide your name, student code and the name of your student association.

For more information, or if you encounter any issues, do not hesitate to contact the Major Plan team.

Lifeworks Web Portal and Mobile Application

Register in your web portal to access various support tools, a resource centre, online counselling and more.

Web Portal

Here are your credentials, they will be useful for you to connect and create your profile:

Username: agecar
Password: Planmajor

The LifeWorks app is also available. Download and use your AGECAR credentials to connect with your mobile device.

Google play Apple Store

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 the 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.

 

The withdrawal period is between September 1st and October 15, 2020 for students enrolled in the fall. For students newly-enrolled in the winter, the withdrawal period is between January 7 and February 18 inclusive.

Only students who are newly enrolled in the Winter session may withdraw during the Winter withdrawal period.
The amount of your premium will be credited to you by your educational institution after the end of the withdrawal period.

Request for Withdrawal

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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