The
      Panther
      Prints
     
    
   
   
    
     
       
     
    
   
   
    
     
      You
      and
      Your
      Health
      Plan
     
    
   
   
    
     
      As
      a
      full
      time
      student
     
     
      at
      the
      University
      of
      Prince
     
     
      Edward
      Island
      this
      plan
     
     
      provides
      you
      with
      a
      com-
     
     
      prehensive
      set
      of
      extended
     
     
      health
      insurance
      benefits.
     
    
   
   
    
     
      How
      do
      I
      enrol
      for
     
     
      coverage?
     
    

    
     
      All
      full-time
      students
     
     
      at
      UPEI
      are
      automatically
     
     
      enroled
      in
      this
      health
      insur-
     
     
      ance
      plan
      when
      they
      regis-
     
     
      ter
      for
      classes.
      The
      fee
      for
     
     
      the
      health
      plan
      is
      included
     
     
      in
      your
      registration
      fees.
     
    
   
   
    
     
      Can
      I
      sign
      up
      my
     
     
      family?
     
    

    
     
      Yes,
      you
      can
      enrol
     
     
      your
      spouse
      or
      children
     
     
      (under
      19
      years
      of
      age
      or
      25,
     
     
      if
      still
      attending
      school
      or
     
     
      overage
      handicapped
      de-
     
     
      pendants)
      by
      paying
      an
     
     
      additional
      family
      coverage
     
     
      fee.
      Sign
      up
      at
      the
      Student
     
     
      Union
      office
      before
      Sep-
     
     
      tember
      27,
      1996.
     
    
   
   
    
     
      What
      if
      I
      am
      already
     
     
      covered?
     
    

    
     
      If
      you
      are
      already
     
     
      covered
      under
      an
      extended
     
     
      health
      plan
      (this
      does
      not
     
     
      mean
      your
      provincial
      health
     
     
      care
      plan)
      you
      may
      choose
     
     
      to
      opt
      out
      of
      this
      plan
      and
     
     
      receive
      a
      refund
      of
      the
     
     
      health
      plan
      fees
      you
      have
     
     
      paid.
     
    

    
     
      You
      should
      know
      that
     
     
      your
      student
      health
      plan
     
     
      includes
      benefits
      _
      specifi-
     
     
      cally
      designed
      for
      student
     
     
      needs.
      You
      may
      find
      it
      to
     
     
      your
      advantage
      to
      remain
     
     
      enroled
      in
      both
      this
      and
     
     
      your
      other
      health
      plan
      in
     
     
      order
      to
      increase
      your
      total
     
     
      coverage
      by
      coordinating
     
    
   
   
    
     
      plans.
      For
      details
      about
      this
     
     
      option,
      contact
      the
      Student
     
     
      Union.
     
    

    
     
      If
      you
      choose
      to
      ex-
     
     
      clude
      yourself,
      there
      is
     
     
      some
      paperwork
      to
      com-
     
     
      plete
      at
      the
      Student
      Union
     
     
      office
      and
      you
      must
      demon-
     
     
      strate
      that
      you
      are
      already
     
     
      covered
      by
      presenting
      a
     
     
      copy
      of
      your
      current
      policy
     
     
      or
      membership
      card
      clearly
     
     
      showing
      the
      name
      of
      the
     
     
      company
      and
      the
      policy
     
     
      number.
      You
      must
      com-
     
     
      plete
      this
      process
      by
      Sep-
     
     
      tember
      27,
      1996.
      If
      you
     
     
      have
      made
      a
      claim
      under
     
    
   
   
    
     
      prescription.
      You
      will
      only
     
     
      have
      to
      pay
      the
      20%
      that
      is
     
     
      not
      covered
      under
      this
      plan;
     
     
      the
      pharmacist
      will
      be
      paid
     
     
      directly
      for
      the
      80%
      bal-
     
     
      ance.
      If
      your
      pharmacist
      is
     
     
      not
      participating
      in
      the
     
     
      Shared
      Health
      Network
      or
     
     
      you
      are
      purchasing
      pre-
     
     
      scription
      drugs
      without
      your
     
     
      Pay
      Direct
      drug
      card,
      sub-
     
     
      mit
      a
      standard
      claim
      and
     
     
      receipts
      as
      descrbed
      under
     
     
      “Other
      Claims”.
      For
      infor-
     
     
      mation
      about
      when
      and
     
     
      how
      you
      will
      receive
      your
     
     
      Pay
      Direct
      drug
      card
      con-
     
     
      tact
      the
      Student
      Union
     
    
   
   
    
     
       
     
    
   
   
    
     
      this
      plan,
      you
      cannot
      opt
     
     
      out
      and
      receive
      a
      refund.
     
    
   
   
    
     
      What
      about
      provincial
     
     
      health
      care?
     
    

    
     
      This
      extended
      health
     
     
      insurance
      plan
      supplements
     
     
      your
      provincial
      health
      care
     
     
      plan.
      It
      does
      not
      replace
     
     
      your
      provincial
      health
      care
     
     
      plan.
     
    
   
   
    
     
      Claims
     
    
   
   
    
     
      Prescription
      Drug
     
     
      Claims
     
    

    
     
      You
      will
      be
      provided
     
     
      with
      a
      personalized
      “Pay-
     
     
      Direct”
      drug
      card
      which
     
     
      can
      be
      presented
      to
      a
     
    
   
   
    
     
      Office.
     
    
   
   
    
     
      Other
      Claims
     
    

    
     
      All
      benefits
      other
      than
     
     
      those
      claimed
      with
      your
     
     
      Pay
      Direct
      drug
      card
      (see
     
     
      “Prescription
      Drug
      Claims”)
     
     
      are
      paid
      on
      a
      reimburse-
     
     
      ment
      basis.
      To
      make
      a
     
    
   
   
    
     
      claim,
      complete
      a
      form
     
    
   
   
    
     
      available
      from
      the
      Student
     
     
      Union
      and
      submit
      it
      along
     
     
      with
      receipts
      to
      Mutual
      Life
     
     
      of
      Canada
      at
      the
      address
      on
     
     
      the
      form.
      Your
      claim
      will
     
     
      be
      processed
      and
      a
      cheque
     
     
      sent
      to
      you
      directly.
      Some
     
     
      benefits
      have
      deadlines
      for
     
     
      submission;
      contact
      the
      Stu-
     
     
      dent
      Union
      Office
      for
      de-
     
    
   
   
    
     
      September
      10,
      1996
     
    
   
   
    
     
       
     
    
   
   
    
     
      Plan
      B
     
    
   
   
    
     
      Prescription
      Drugs
     
    

    
     
      Drugs
      which
      legally
     
     
      require
      a
      prescription,
      speci-
     
     
      fied
      life
      sustaining
      drugs,
     
     
      and
      needles,
      syringes
      and
     
     
      chemical
      and
      diagnostic
     
     
      aids
      for
      the
      treatment
      of
     
     
      diabetes,
      over
      the
      counter
     
     
      drugs
      with
      a
      prescription.
     
     
      Excluding
      experimental
     
     
      drugs.
      80%
      reimburse-
     
     
      ment.
     
    
   
   
    
     
      Physiotherapist,
      Mas-
     
    
   
   
    
     
      sage
      Therapist,
      Speech
     
     
      Pathologist
     
     
      Prescribed
      by
      a
      physi-
     
    
   
   
    
     
      cian.
      Registered
      massage
     
     
      therapist
      ($20
      per
      treat-
     
     
      ment
      up
      to
      $300),
      Speech
     
     
      language
      pathologist
      ($20
     
     
      per
      treatment
      up
      to
      $300),
     
     
      Physiotherapist.
      80%
      reim-
     
     
      bursement.
     
    
   
   
    
     
      Chiropractor,
      Naturo-
     
     
      path
     
    

    
     
      The
      services
      of
      a
     
     
      chiropractor
      (up
      to
      $300
     
     
      per
      year)
      or
      a
      naturopath
     
     
      ($20
      per
      treatment
      up
      to.
     
     
      $300
      per
      year).
      Prescrip-
     
     
      tion
      is
      not
      required.
      80%
     
     
      reimbursement.
     
    
   
   
    
     
      Medical
      Equipment
     
     
      and
      Appliances
     
    

    
     
      Prescribed
      by
      a
      physi-
     
     
      cian.
      Includes
      crutches,
     
     
      splints,
      trusses,
      braces,
      pros-
     
     
      thetic
      appliances,
      and
      rental/
     
     
      purchase
      of
      wheelchair
      or
     
     
      hospital
      bed.
      80%
      reim-
     
     
      bursement
     
    
   
   
    
     
      Semi-Private
      Hospi-
     
     
      tal
      Room
      Benefit
     
     
      When
      prescribed
      by
      a
     
    
   
   
    
     
       
     
    
   
   
    
     
      enefits
     
    
   
   
    
     
      between
      charges
      for
      public
     
     
      ward
      and
      semi-private
      ac-
     
     
      commodation
      in
      a
      hospital.
     
     
      80%
      reimbursement.
     
    
   
   
    
     
      Ambulance
      Benefit
     
    

    
     
      _
      Licensed
      ground
      am-
     
     
      bulance
      to
      the
      nearest
     
     
      hospital
      equipped
      to
      pro-
     
     
      vide
      the
      required
      treatment
     
     
      and
      when
      the
      physical
     
     
      condition
      of
      the
      patient
     
     
      prevents
      the
      use
      of
      another
     
     
      means
      of
      transportation.
     
     
      Limited
      to
      $200
      for
      any
     
     
      disability.
      80%
      reimburse-
     
     
      ment.
      .
     
    
   
   
    
     
      Dental
      Accident
      Ben-
     
     
      efit
     
    

    
     
      For
      treatment
      of
      acci-
     
     
      dental
      injuries
      to
      natural
     
     
      teeth
      or
      jaw
      if
      caused
      by
     
     
      eternal,
      violent
      and
      acci-
     
     
      dental
      means.
      Limited
      to
     
     
      $1000
      for
      any
      one
      accident
     
     
      and
      excluding
      serviced
      re-
     
     
      quired
      in
      conjunction
      with
     
     
      such
      injuries
      due
      to
      a
     
     
      condition
      that
      existed
      be-
     
     
      fore
      the
      accident.
      Expenses
     
     
      must
      be
      incurred
      within
      24
      —
     
     
      months
      of
      the
      accident.
     
     
      80%
      reimbursement.
     
    
   
   
    
     
      Tutorial
      Benefits
     
    

    
     
      Private
      tutorial
      serv-
     
     
      ice
      of
      a
      qualified
      teacher
      up
     
     
      to
      $15
      per
      hour
      limited
      to
     
     
      $1000
      per
      disability,
      if
      the
     
     
      disease
      or
      injury
      causes
      the
     
     
      member
      to
      be
      disabled
      and
     
     
      confined
      to
      home
      or
      hospi-
     
     
      tal
      for
      15
      consecutive
     
     
      school
      days.
      Must
      be
     
     
      prescribed
      by
      a
      physician.
     
     
      80%
      reimbursement.
     
    
   
   
    
     
      the
      benefits
      of
      wthe
      two
      pharmacist
      along
      with
      your
      tails.
      -
      physician,
      the
      difference