Domestic students

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

If you are under one of conditions below, you are not or may not be automatically eligible for the Extended Health and Dental plan. Please check the account summary in stu-view, whether you are charged the benefits fee or contact the heath benefits team at healthbenefits@sagbc.ca

• students registered under Accessible Learning Services
• students in Transition to Post-Secondary Education program
• co-op students in the initial semester of your academic year
• students who have previously opted-out

International students

International students must be registered in a post-secondary program for the Extended Health and Dental and Medical Services (OHIP Alternative) plan. We offer this plan to both full-time and part-time students who are studying during the day. Students who are taking Continuing Education courses during the evenings or on weekends are not eligible for the International Health plan. International ESL students are only eligible for the Medical Services (OHIP Alternative) plan.

Domestic students registered under Accessible Learning Services

Students registered with GBC’s Accessible Learning Services with a reduced course load might not be initially eligible for the Extended Health and Dental plan. If you need coverage, please contact one of the Student Association of George Brown College offices by the opt-in deadlines. Modified Course Load Opt-In Online Application.

Domestic students in Transition to Post-Secondary Education program

Students in the Transition to Post-Secondary Education (TPE) program are not automatically eligible for the Extended Health and Dental plan. If you are interested in our coverage please contact one of the Student Association of George Brown College offices by the opt-in deadlines.  T.P.E Student Opt-In Online Application.

 Domestic Co-op students in the initial semester of your academic year

Domestic students in a Co-op placement in the initial semester of their school year are not automatically eligible for the Extended Health and Dental plan. If you are interested in our coverage during your Co-op term, please contact one of the Student Association of George Brown College offices by the opt-in deadlines. Co-Op Student Opt-In Online Application

Students who have previously opted-out

Students who have opted out from our plan in the past are not automatically eligible for the Extended Health and Dental plan. If you now need our plan, you will need to contact the Student Association of George Brown College offices during the first week of the initial semester of their academic year or within 31 days of the loss of your alternative coverage. Rescind Waiver Online Application.

Domestic full-time students in ESL and post-secondary programs starting in September or January are eligible for Extended Health and Dental plan coverage which is facilitated by Alumo (WeSpeakStudent becoming Alumo)

Extended Health and Dental

Coverage

The Extended Health and Dental insurance policy is for services that do not fall under the OHIP Alternative plan. Services included under this insurance include, but are not limited to:

· Prescription drugs

· Vision Care

· Paramedical practitioners, such as Massage therapist, Physiotherapist

Chiropractor, Naturopath, Osteopath, Athletic therapist, Acupuncturist

Dietitian and/or nutritionist, Chiropodist or podiatrist

· Dental care

· Travel coverage

Some services require a doctor’s referral, and practitioners are required to have proper licensing or registration

Go to wespeakstudent.com to find out more details at https://wespeakstudent.com/home/47-george-brown-college/domestic-plan

Some services require a doctor’s referral, and practitioners are required to have proper licensing or registration.

International students in post-secondary programs have two types of health care coverage. Medical Services coverage (OHIP Alternative plan) and Extended Health and Dental plan coverage is facilitated by We Speak Student. International ESL students only have Medical Services coverage (OHIP Alternative plan).

Medical Services through Alumo (WeSpeakStudent becoming Alumo)

Includes basic medical services such as seeing a doctor in a walk-in clinic, laboratory test, or using the hospital for emergencies and/or serious medical issues involving hospitalization. You can go to wespeakstudent.com for:

· Policy information

· Walk-in Clinic list

· Instructions on direct billing

· Claim forms

Extended Health and Dental Coverage

The Extended Health and Dental insurance policy is for services that do not fall under the OHIP Alternative plan. Services included under this insurance include, but are not limited to:

· Prescription drugs

· Vision Care

· Paramedical practitioners, such as Massage therapist, Physiotherapist

Chiropractor, Naturopath, Osteopath, Athletic therapist, Acupuncturist

Dietitian and/or nutritionist, Chiropodist or podiatrist

· Dental care

· Travel coverage

**Some services require a doctor’s referral, and practitioners are required to have proper licensing or registration.

Go to wespeakstudent.com to find out more details about the plans for international students in post-secondary programs or details about plans for international students in ESL programs.

The deadlines to opt-in/out, choose your plan or add family coverage are:

• Students starting in September: Thursday October 2, 2025
• Students starting in January: Thursday February 5, 2026
  (Students starting in September who were charged the health insurance fee in the Fall 2025 are not eligible to opt-out, choose your flex plan or add any dependents in the winter semester.)
• International students starting in May: Thursday May 28, 2026
  (International students starting in September or January, who were charged the health insurance fee in the Fall 2025 and/or the Winter 2026 term are not eligible to opt-out, choose your flex plan or add any dependents in the spring/summer semester.)

• * If you are an international student taking an ESL program, please contact the Student Association of George Brown College offices deadline.

  If you are a domestic student, or already have a plan and do not require any additional coverage, you can opt-out from the Extended Health and Dental plan at wespeakstudent.com

  The plan for international students is mandatory and you cannot opt-out unless you are under a Canadian federal or provincial health plan or and studying outside Canada.

  Adding family coverage

  Any students under our student plan can purchase the dependent coverage for their family members (spouse, common-law partner and/or children). To obtain more details about the costs and the necessary forms, please visit wespeakstudent.com

All full-time domestic post-secondary and ESL students, as well as international students registered in a post-secondary program, are covered under the Balanced Plan automatically, you also have the option of changing your Balanced Plan to one of the other Enhanced Plan options that bests suits your needs by the deadline. Once the deadline has passed you are no longer allowed to change your plan. Please note that your plan choice plan is valid for the entire academic year and cannot be changed until the following September. Each academic year you need to reapply for your plan choice since it is only valid for one academic year.

There are four different coverage plans to choose from:

1. Balanced Plan (Automatically enrolled in)

2. Enhanced Drug Plan

3. Enhanced Dental Plan

4. Enhanced Extended Health Care Plan

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

Extended Health and Dental plan

All students under the Extended Health and Dental plan are able to use their insurance once they start school, you need to print out your insurance card online through the Alumo website (WeSpeakStudent becoming Alumo). Claims can be submitted online or by mail. If you are mailing your claim, please mail your prescription drug/dental/extended health care claim form directly to the address on the form.

How to register for an e-profile for online claim submission: WeSpeakStudent.com/claims-guides/47-OnlineClaimsGuide.pdf Claim forms to mail are available at WeSpeakStudent.com/home/47-George-Brown-College

International students under OHIP Alternative Plan Students can submit by mail or email. Please visit WeSpeakStudent.com/home/47-George-Brown-College and choose your program plan. Once you come to the main page under your plan, you will learn more details.

Please ensure that if you pay any expenses yourself, you must obtain the original receipts and e-mail/mail completed claim forms to the address on the form.

Use the information below for the OHIP Alternative plan such as: Hospital & physician visits, Emergency room visits, Walk-in clinic, Blood tests, X-rays & ultrasounds, Diagnostic imaging.

• Group Policy Number: 100011335
• Provider: Special Markets Solutions
• Your Certification number for your plan: Your Student ID#

If you have any questions, contact Alumo at:

Toll Free Help Line: 1-800-315-1108

Email: Help@AclStudentBenefits.com

Online Chat: www.WeSpeakStudent.com

Yes, there is vision coverage included. Please check wespeakstudent.com for detailed information and limitations.

Yes, naturopaths are covered under your plan.

Yes, massage therapy is covered under the plan. Please note that you must obtain a doctor’s note from your family doctor stating that you require massage therapy otherwise it will not be covered under the plan.

Please go to wespeakstudent.com and click on the “check drug coverage” button for more information or call We Speak Student at (416) 216-5735 or Toll Free: 1-888-985-1552 have the medication DIN# (your doctor or pharmacist can provide you with this number).

Regardless of being a September or January start student, your coverage ends on August 31 or upon your withdrawal from the program.

Emergency Out-of-Province coverage and assistance is provided by AIG Insurance Company of Canada under the policy number: SRG9426406

Yes, there is coverage. Please check wespeakstudent.com for detailed information and limitations. We advised to request an estimate for the services needed and contact ALUMO (WeSpeakStudent Becoming Alumo) at 1-888-985-1552 or help@aclstudentbenefits.com to confirm coverage.

No, hospital accommodations are not covered under this plan. It would be covered under your OHIP.

Yes, but only if you have alternative insurance coverage from your spouse, your parents, or from your work. The Dental and Extended plan is mandatory and you cannot cancel it without having an equivalent level of insurance elsewhere.
Please note, any opt-out applications will not be accepted after the deadline and students are only eligible to opt-out in the initial semester of your school year.

If you paid your tuition fees in full at the start of the school year and have opted-out, you might receive a refund cheque issued by George Brown College to your mailing address. However, if you paid some but not all of your tuition fees and were able to opt-out, the refund will be deducted from the unpaid tuition fees. In this case, your GBC financial account balance will be less than the previous balance. If you are still unsure, please come to a Student Association of George Brown College office and we will help you find out the status of your refund.

• For non-urgent medical conditions, visit a clinic to avoid long wait times.· Before you go, always call the facility to check if you need an appointment.· Contact Alumo (Morcare becoming Alumo) at 416-216-5735 / 1-888-985-1552 to connect to Intrepid 24/7 to facilitate your access to a provider· Bring your wallet card, claim form and student ID to avoid paying up front once Intrepid 24/7 sets up your visit. NOTE – Coverage is up to the benefit maximum. Other fees or costs may apply to you.· For a medical emergency, contact Emergency Assistance.· If your condition is life threatening, visit a hospital emergency room or call 911

These claims must be submitted via email or mail. Your Group Policy Number is: 100011335

Provider: Special Markets Solutions Your certificate number is the last 7 digits of your student ID You can download your claim forms at www.wespeakstudent.com Please ensure that if you pay any expenses yourself, you obtain original receipts and email the complete forms to claims@morcare.ca or mail it to the address on the form.

No, you cannot cancel your health insurance plan unless you are under a federal or provincial plan or studying outside Canada as it is a mandatory fee that is included in your tuition fee. If you are under a federal or provincial plan, such as OHIP or studying outside Canada, please contact a Student Association of George Brown College office before the applicable deadline.

• For non-urgent medical conditions, you can visit a walk-in clinic of your preference. We advice confirming if your medical card will be accepted for direct billing before booking any appointments or tests. In case they don’t accept it for direct billing, you will need to pay first and file claim after to get reimbursement.
• Contact Alumo (Morecare becoming Alumo) at 416-216-5735 / 1-888-985-1552 to connect to Intrepid 24/7 to facilitate your access to a provider.
• If your condition is life threatening, visit a hospital emergency room or call 911.
• You can also use the Cleveland Clinic Services to get instant access to a nurse practitioner with Cleveland Clinic Canada’s Express Care Online app and the on-campus Virtual Clinics. Information is available at https://www.studentassociation.ca/cleveland-clinic-services/

• You can download your medical card at George Brown College – WeSpeakStudent, select “International Students to Canada Post-Secondary plan/ International or Students to Canada to ESL Plan”.
•  Click “ Student Medical Card” and enter your Personal Information and click “Get My Card”.
• You can either print a copy or save it.