If the total cost of a course of dental treatment is expected to exceed $500, it is suggested that a treatment plan be submitted to Canada Life prior to commencement of treatment. Canada Life will review the treatment plan and determine the amount of eligible expenses. Ask your dentist to submit a treatment plan (also referred to as a pre-determination) to Canada Life to determine your coverage amount. A dental pre-determination of benefits is only valid for 90 days.
Medical Services and Supplies
The Red River College benefits plan includes coverage for certain medical services and supplies provided they are considered reasonable and customary.
Treatment is considered reasonable if it is accepted by the Canadian medical profession, it is proven to be affective, and it is of a form, intensity, frequency and duration essential to diagnosis or management of the disease or injury.
Flex Options 2, 4 and 5 include coverage for other medical services and supplies subject to the applicable coinsurance, internal maximums and reasonable and customary charges.
What is covered under medical services and supplies?
Covered medical services and supplies are described in your Canada Life benefits booklet and include expenses such as:
• Cardiac Rehabilitation
• Medical Appliances – wheelchairs, walkers, oxygen equipment, crutches, etc.
• Prosthetic and Remedial Equipment
If you have questions about whether a particular service or supply is covered, you can review the details in your benefits booklet or contact Canada Life for further details.
Are CPAP machines and supplies covered?
The Canada Life group benefits plan will provide Continuous Positive Airway Pressure (CPAP) machine coverage for the $500 copay amount required by the Winnipeg Regional Health Authority (WRHA) in Manitoba. The plan also covers other eligible accessories and replacement supplies. To be eligible for coverage, you must first apply for the CPAP machine through the WRHA. The initial copayment will include the new CPAP machine and the following supplies:
• Interface (nasal, full-face or direct)
• Filters for your equipment
For more information regarding these types of claims and what documentation is required when submitting a claim, please contact Canada Life for further details.
The above is a summary of the provisions of the group plan. In the event of a discrepancy between this benefit and the master contract, the terms of the group contract will apply.
February is Heart and Stroke month in Canada. Did you know cardiovascular disease or heart disease is the number one killer in Canada? It is also largely preventable by following these healthy tips:
Get plenty of exercise. Physical activity can literally be a lifesaver. Just 30 to 60 minutes a day, most days of the week will dramatically lower your risk of heart disease and stroke. Regular activity also helps prevent and control risk factors such as high blood pressure, high cholesterol, and obesity.
Follow a good diet. Nutritious, balanced meals and healthy snacks may reduce your risk of heart disease and stroke by helping you increase your intake of heart-healthy nutrients, manage your weight, keep your blood pressure down, control your blood sugar levels, and lower your cholesterol. A good way to start is to aim to include items from the four food groups: whole-grain products, vegetables and fruit, lower-fat milk products, and lower-fat meats and alternatives.
Keep your heart clean and drug free. The human heart’s job is to pump nutrient-rich blood throughout your body. If you smoke, take drugs inappropriately, or drink alcohol excessively, you are giving your heart extra work. Smoking doubles the risk of having a heart attack. The sooner you quit, the sooner your risk will start to decline. Illegal drugs and even prescribed medications taken inappropriately can affect your heart and be potentially fatal. Drinking alcohol in moderation may not pose a risk, but excessive drinking does pose a serious hazard to your heart. While alcohol flows in your blood stream, the nutrient-rich blood is less able to nourish the heart.
Reduce your stress. The relationship between stress and heart disease isn’t completely clear, but some people with high levels of stress or prolonged stress may have higher blood cholesterol, increased blood pressure, or be more prone to developing atherosclerosis (narrowing of the arteries). If your life is full of stress, it can be hard to lead a healthy lifestyle. Some stress busters, in addition to being physically active and eating well, include identifying the source of your stress, taking time for yourself, making time to laugh, taking time off, and sharing your feelings.
To find more tips and resources such as the above, visit homeweb.ca. Provided by your EFAP provider, Homewood Health, homeweb.ca has a number of resources relating to mental health, the holiday season and the impact of COVID-19.
If you or someone you know are experiencing extended periods of loneliness and isolation, you can seek help through the EFAP. Please note, the EFAP is a professional, confidential, and proactive service to support you in all aspects of your life.
It can help with a variety of situations such as stress, anxiety, life change and transitions, relationship concerns, etc. Your full suite of EFAP services includes counselling, Life Smart Coaching and Online resources.
Click here to review the Homewood Health EFAP resources available to you and to get contact information.