Explore this section for information regarding supplemental health and dental coverage, including what's covered and what isn't, what percent of your expenditures you can expect back, what your out of pocket maximum is for the year, and much more:
| McGill Health & Dental Plans Insurance Provider |
Manulife Financial |
|---|---|
| Policy Number |
85210 |
|
Manulife Customer Service |
1-800-268-6195
|
Your Benefits Card
You can print a personalized benefits/travel card for you and the eligible dependents covered under your McGill Supplemental Health Plan from Manulife's Plan Member Secure Site.
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Once on the Plan Member Secure Site, select Login/Register.
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If you are not already registered, click on "Registration" and follow the instructions on the Manulife website.
When paying for your medication, present your benefits card to your pharmacist, dentist, or health professional service provider, who will submit an electronic claim directly to Manulife for processing. You will automatically receive payment for the total amount covered by the McGill Supplemental Health Plan—there is no need to submit a paper claim.
What's on the card
- The benefits card includes the Manulife group plan number 85210, your certificate number and the Manulife customer service phone number.
- The reverse side of the card includes emergency telephone numbers to use in case of a medical emergency while travelling, as well as the emergency travel assistance plan number.<>
Family coverage - eligible dependent
Under the Quebec Act respecting prescription drug insurance, you and your eligible family members under age 65 must join the McGill Supplemental Health Plan if drug coverage not provided under another group insurance plan. Your eligible family members may participate in the Supplemental Health and/or Dental Plan. The eligibility rules for a dependent are as follows:
Dependent
A dependent is defined as an Employee's Spouse or Child who is covered under the Provincial Plan and is residing in Canada.
Children
An Employee's natural or adopted child, Spouse's child, stepchild or child for whom the Employee is a legal guardian who:
- is unmarried;
- is dependent upon the Employee for support and not employed on a permanent full-time basis;
- is not eligible for plan benefits as an employee under this or any other group plan;
- is either under twenty-one (21) years of age, or, if a full-time student at an accredited school, college or university, under twenty six (26) years of age.
A child covered under this Plan Document, who is incapacitated due to a mental or physical disability on the date he reaches the age when he would otherwise cease to be an eligible Dependent, will continue to be an eligible Dependent under this Plan Document. A child is considered incapacitated if he is incapable of engaging in any substantially gainful activity and is dependent on the Employee for support, maintenance and care, due to a mental or physical disability. The Administrator, acting on behalf of the Employer, may require written proof of the Dependent’s condition as often as may reasonably be necessary.*
A stepchild or Spouse’s Child must be living with the Employee to be an eligible Dependent.
*Proof of the Dependent's condition must be submitted within 31 days after the child reaches age 21. The form Application for Health/Dental Coverage for Overage Disabled Dependant Child must be completed in part by Human Resources (HR Service Centre) and then by your child's treating physician. Submit the form directly to Manulife Financial for review. Manulife will send you written confirmation of the results of their review.
Spouse
The Employee's legal Spouse, or the person who has, for at least one year, been continuously living with the Employee in a role like that of a marriage partner. However, this limitation shall not apply if a Child is born while the Spouse is continually living with the Employee.
Only one Spouse will be eligible for benefits under this Plan, and will be as indicated by the Employee on his application for benefits under this Plan. Where this information is not contained on the Employee's application, the person who qualifies last under this Plan's definition of Spouse will be the eligible Spouse.
