Medical Travel Benefits A Presentation to BC Colleges & Institutions Consortium

1. Medical Travel BenefitsA Presentation to BC Colleges & Institutions Consortium June 27, 2013 GROUP BENEFITS

2. Medical Travel Benefits (MTB) • Covers contractually eligible expenses to obtain care that is medically necessary and unavailable locally • Available to members and dependents • Funded an ASO basis

3. Eligible Travel Medically adequate treatment is not available locally Travel must be 100 kilometres from the member’s home campus Patient referred by a licensed physician to a hospital, medical treatment centre or medical specialist Where there are multiple trips to the same specialist a new referral is required once every 12 months

4. Ineligible Travel Travel to other types of practitioners such as, but not limited to, chiropractors, physiotherapists Charges for travel incurred outside the covered person’s province of residence, unless such expenses are lesser than those incurred in the covered person’s province of residence Travel for Dental unless: such services are required by a licensed Physician and/or when hospitalization for treatment is required; and such treatment is performed by an oral surgeon, except in the case of emergency dental assessment or treatment, in which case treatment may be performed by a specialist in the field of dentistry.

5. Coverage Dollar Limits Overall maximum - $10,000 per year Benefit Amount- $125 per day, to a maximum of 50 days in any calendar year Combines meals, accommodation, attendant and transportation* Averaging provision Where eligible expenses exceed $125 per day, but do not exceed the average of $125 per day for the year, the average will be paid. For example, if the member incurred expenses of only $100 per day for a two-day trip and then later in the year incurred expenses of $200 per day for another two-day trip, the member could claim a total of $300 for the second trip (two days at $125 plus $50 ‘leftover’ from the first trip.) *transportation costs are not included in the daily maximum for Northern Lights and College of New Caledonia

6. Covered Expenses Transportation to and from the treatment facility Scheduled air, train, bus, taxi, ferry, auto (per/km limit) Cost of car rental only covered if less than the cost of taxi Parking Accommodation before and after medical treatment including commercial facility or hotel, Easter Seal House, Heather House, Vancouver Lodge, Ronald McDonald House, or other similar institution Meals Allowable amounts/maximums vary by policy Groceries allowed in lieu of restaurant receipts All expenses require a receipt unless specifically noted otherwise in the policy

7. Medical Attendant Charges for transportation of a family member or a medical attendant if medically necessary and requested by a licensed Physician Referral required for all patients 18 or older (assumed if the patient is under 18 years of age) Charges are counted towards the patient’s $125 maximum If the attendant is also eligible for coverage, expenses are still counted against the maximum for the patient, not for the attendant. For example, if member and spouse are both eligible for MTB. Spouse accompanies the member, all expenses will be processed against the member’s own $125 maximum

8. Current Claim Form

9. Updated Claim Form Looks like health & dental forms Added confirmation of Home campus Easier to follow steps for member/physician completion Identified patients under 18 allowed an attendant

10. When making a claim Plan member completes sections 1, 2, 3 & 7 Have referring physician complete section(s) 4 and/or 5 Referral required only once per 12 months for the same specialist Referral required for all attendant claims when the patient is 18 or older Take form to appointments and have consulting physician or their representative complete section 6, ensuring all visit dates are noted Ensure the form is fully completed send original and with receipts attached to Manulife

11. Communication Support Details of the benefit provided in the benefit booklet Claim Forms online An email template is available to send out to members to provide additional information

12. Questions ?????????

13. Thank you