Health and Dental Plan for Domestic Students

Eligibility

You must be a domestic student registered as a full-time student in post-secondary studies, including the ESL program, with a start date in either September or January.

Exclusions

1. If you have opted-out in the past: If you have successfully opted out in the past, you won’t be charged the Health and Dental Plan fee in following school years or when entering in a new program.
2. Taking co-op in the initial semester of your academic year: If you are going to be doing your co-op placement in the initial semester of the academic year, the health benefit fee will not be automatically added to your tuition fee. You must apply online to opt-in if you are a co-op student. Once contacted by Student Association staff, you will need to provide a copy of your co-op registration as a proof that you are a co-op student and go to a Student Association office to pay the opt-in fee.
3. Students starting in May: If your initial semester of the academic year is May and even if you are qualified as full-time student, you are not eligible for the plan as coverage is not offered from May to August. Students in this category are eligible for the plan starting in September as long as you will be a full-time student at that time.
4. Reduced course load: Students registered under Disability Services or with a modified course load might not be initially eligible for the Health and Dental Plan. If you are in this category and require the Health and Dental Plan, you must apply online to opt-in if you are a taking a reduced course load.
5. Students taking T.P.E. (Transitions to Post-Secondary Education) program. If you are in this category and require the Health and Dental Plan, you must apply online.

How to verify your eligibility for the student benefits plan

In order to verify whether or not you are eligible for the Health and Dental plan, please check your personal financial account through STU VIEW and see if you have been charged the Health and Dental plan fee. Also, if you have changed from being a full-time student to being a part-time student due to exemptions or other reasons, you are not eligible for the benefits. However, we strongly recommend contacting the Student Association offices in person or by phone or e-mail.

Types of coverage & coverage period

Extended Health and Dental coverage by SSQ, Life Insurance Company Inc.

All of the full-time domestic students are covered under the balanced plan automatically, you also have the option of changing the balanced plan to the plan that fits your needs the most, the deadline for changing the plan is October 6, 2016. Once the deadline date has passed you are no longer allowed to change your plan. Please note that the plan that you choose is valid for the entire academic year and cannot be changed until the following September.

There are four types coverage to choose from:

1. Balanced plan
2. Enhanced drug plan
3. Enhanced dental plan
4. Enhanced extended health care plan

Services included under this insurance are as follows:

• Prescription drugs
• Prescription eyeglasses
• Massage therapy
• Physiotherapy
• Chiropractic
• Dental care etc.

Please see the Health Benefits Booklet 2016-17 to read more detailed information about your plan.

Please visit the WeSpeakStudent website to find out more details about your student plan.

• Students starting in September: (Coverage: Sept. 1, 2016 to Aug. 31, 2017)
• Students starting in January: (Coverage: Jan. 1, 2017 to Aug. 31, 2017)

Opt out information

If you already have a plan and do not require any additional coverage, please refer to the WeSpeakStudent website to find out how you can cancel the student Health and Dental Plan.
Please note that proof of comparable coverage is required to opt out and your alternative plan needs to offer the minimum required coverage to get a refund.
Please click here to view the opt-out instructions.

Opt-out deadlines:

Students starting in September 2016: deadline Oct. 6, 2016
Students starting in January 2017: deadline Feb. 9, 2017
(students who are starting in September are not eligible for the February opt-out)

Family enrolment

Coverage for your spouse and/or dependent children is also available for purchase at an additional cost by completing the family application form online. Please visit the WeSpeakStudent website to find out more details about how to do so.
You must complete the form and pay a premium in order to extend coverage for your spouse and/or dependent children. The period of coverage and benefits for them will be the same as the student submitting the form.
Please note that no applications can be accepted after the deadlines listed directly below.
Please contact any Student Association office for more information including the costs related to family coverage.

Family enrolment deadlines:

• Students starting in September 2016: deadline Oct. 6, 2016
• New students starting in January 2017: deadline Feb. 9, 2017
(students who are starting in September are not eligible for the February family enrolment)

Opt-in Information

For students who’re under below categories, and are willing to have health insurance during your study, please follow the instructions here and apply online here.

• Opt-out in the past- Once you opt-out from the Health and Dental plan, you will always be automatically opted-out of the plan. Therefore you will not be covered once you opt out. If your current comparable coverage used to opt-out of the plan terminates, you have 31 days from the loss of coverage to notify a Student Association office in order to be re-enrolled into the Health and Dental Plan once again. For apply opt-in, please also submit a termination letter from your previous insurance company which states your insurance termination date to support your application.
• Taking co-op in the initial semester of your academic year: If you are going to be doing your co-op placement in the initial semester of the academic year, the health benefit fee will not be automatically added to your tuition fee. To opt-in, please also submit a copy of co-op registration letter to support your application.
• Reduced course load: Students registered under Disability Services/Program or with a modified course load might not be initially charged Health insurance fee. As a result, those student won’t have health coverage. To opt-in, please also submit a letter from your program counsellor which states your full-time study status to support your application.
• Taking T.P.E. (Transitions to Post-Secondary Education) program. The health benefit fee will not be automatically added to those student tuition fee. As a result, those student won’t have health coverage. To opt-in, please also submit a copy letter from your program to support your application.

Opt-in deadlines

• Students starting in September 2016: deadline is Oct. 6, 2016
• Students starting in January 2017: deadline is Feb. 9, 2017
  (students who are starting in September are not eligible for the February opt-in)

FAQ

Please click here for Frequently Asked Questions about the International Student Health and Dental Plan.

Student Association office locations and contact onformation

• St. James: Room 147 (Student Association)
• Casa Loma: Room E100 (Student Association)
• Ryerson: SHE614 (SHE Building)
• Waterfront: Room 033 (Concourse Level)

Health Benefits Hotline: 416-415-5000 ext. 2443
E-mail: healthbenefits@sagbc.ca