By Colin Hearne on June 3, 2015
Guest contribution from UBC Benefits Specialist Stephanie Mah
Summer vacation plans are right around the corner. Before you leave, there are several things you should know about your health and welfare travel benefits coverage through UBC, including what documentation to take with you, and what to do in the event of a medical emergency. It is important to plan ahead and understand the associated risks when travelling to other parts of the world, so that you can prepare for events that may occur. With this in mind, I’m here to help!
Coverage while travelling outside BC or Canada
Coverage for medical expenses outside BC or Canada depends on the expense.
Medically necessary expenses that are typically covered by the Medical Services Plan of BC (MSP), such as services and supplies while in hospital, a semi-private hospital room, and out-patient and physician’s services, are covered only in the event of an emergency , if incurred outside of BC or Canada. These services are not covered in non-emergency situations.
Expenses incurred outside BC or Canada that are typically covered by UBC’s extended health plan with Sun Life (e.g., prescription drug medical equipment and supplies (out-patient), paramedical services, and vision care benefits) are also covered in the event of a medical emergency and non-emergency, subject to the conditions outlined in your plan. Payment for these expenses will be limited to the reasonable & customary charge within BC, and in Canadian funds. Learn more about your UBC extended health coverage.
Eligible expenses are covered at 100% less the deductible, up to your overall extended health lifetime maximum. Your overall extended health lifetime maximum at any point in time is $1,000,000 less any amount Sun Life has reimbursed since you were enrolled in the plan. To determine the extended health plan balance for you and/or each of your covered dependents, contact Sun Life at 1-800-361-6212 or 1-800-661-7334.
You are covered for a period of 365 days of absence per trip. If you are hospitalized during this period as a result of a medical emergency, in-patient services are covered for up to 90 days.
Understanding your Travel Benefits – June 30, 2015, @ 12-1pm
The summer is nearly here, and lots of us are getting ready for vacations both at home and abroad. A medical emergency while travelling can be a frightening and costly experience. Join me, UBC Benefits Analyst Stephanie Mah, in this one-hour session on Understanding your Sun Life Travel Benefits to ensure that your well-earned break is as stress free as possible. This session will also include a Q & A, so feel free to come with questions. For more information or to register, click here.
Stephanie Mah is a Benefits Specialist with UBC’s Human Resources Department. Her role involves providing support in the management of the UBC benefits programs, with a focus on communications with faculty and staff. Stephanie is committed to providing excellent customer service and a large part of her day is dedicated to answering all questions related to benefits, including eligibility for benefits, what the plans cover and how to make claims. Stephanie has a BA in Economics, and is a Certified Employee Benefits Specialist and has a Certificate in Peer Counselling through UBC Continuing Studies.
For More Information
For more details on travel benefits at UBC, please visit UBC’s Travel Benefits website. If you have further questions after reviewing the information, please contact Stephanie Mah at 604-822-6823 or firstname.lastname@example.org.