Your plan from AGEHCUQTR

The Plan

You are automatically enrolled in a student supplemental group insurance plan through your student association. For less than $22/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.

AGEHCUQTR 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.

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

Important Numbers

Here are some important numbers relatated to your plan.

Coverage Amendment and Withdrawal Period

Any change to your plan, whether withdrawal, addition of dependents (children), or amendment to coverage options, must be made during the amendment period. This period is between August 15 and September 30 for students enrolled in the Fall session; for students newly-enrolled in the Winter session, this period takes place between January 1st and January 31. 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

  Students newly-enrolled in the Winter session will have to select coverage again the following fall, whether they chose to maintain, amend or withdraw coverage in the winter. Except in the case of a permanent withdrawal.

Family Coverage

During the amendment period, you may extend plan coverage to your children, 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.

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. 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: 13499

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 $500 in dental care reimbursements per coverage.

The policy number for dental claims is: 13499
For claims made directly from the dentist’s office, you may need to provide the digital ID number TELUS ADJUDICARE 34 AUTOBEN.

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: 13499

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 0579-002

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 0579-002

Please note: Deadlines apply for submitting a claim.

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: 9426277-012

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.

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 digital ID number TELUS ADJUDICARE 34 AUTOBEN, policy/group number and permanent code must be provided to the professional when the form is being filled out.

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

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.

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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 digital ID number TELUS ADJUDICARE 34 AUTOBEN, 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 PortalGoogle PlayApple Store

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.

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: agehcuqtr
Password: Planmajor

The LifeWorks app is also available. Download and use your AGEHCUQTR 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.

• Forms

  Dental Claim Form

  Family Coverage

  International Health Coverage

  Reinstatement

• Coverage Contracts

  Accident

  Travel

• Limitations and exclusions

  Accident and Travel

• Travel and Accident

  Travel Passeport

  INFO-Accident

• Student Assistance Program

  SAP Explanatory Document

• Coverage offered by

  Heath and dental: Self-insured
  Accidents and travel: AIG Insurance Company of Canada

Withdrawal

Enrollment 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.
Withdrawal options:
Annual withdrawal–Annual withdrawal allows temporarily withdrawal from the plan for the current year. At the beginning of the following year, coverage is automatically reinstated, so you will have the opportunity to choose between maintaining the plan or withdrawing again during the plan’s amendment and withdrawal period.

Permanent withdrawal–Permanent withdrawal permanently withdraws you from the plan for the duration of your academic career. As a result, it will not be necessary to withdraw every year, but coverage will not be reinstated, except under certain conditions.

The withdrawal period is between August 15 and September 30, 2020 for students enrolled in the fall. For students newly-enrolled in the winter, the withdrawal period is between January 1st and January 31 2021.

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.

Procedure

To opt out of the Supplementary Insurance Plan, please go directly to your institution’s student portal.

Student Portal