Health and Dental
Who's covered? All graduate students registered full-time in Term 1 and who are GSA members—including international students—are automatically enrolled in the GSA Health & Dental Plan. The cost of the Plan is part of your student fees.
Who's not covered? These students are not automatically covered, but can enrol themselves during the appropriate Change-of-Coverage Period: part-time and maintenance of status students who are GSA members, new Term 2 students, Post-Doctoral Fellows and graduate students registered at one of the affiliated colleges in the Saskatoon Theological Union (upon payment of the GSA membership fee).
What's covered and how much does it cost? The GSA Health & Dental Plan, initiated by students through referendum, is a valuable service designed to fill the gaps in government health care. Among other benefits, the Plan covers prescription drugs, health practitioners, travel coverage, trip cancellation and interruption, eye exams, eyeglasses or contact lenses, laser eye surgery, dental checkups and cleanings, fillings, extractions, and more.
*** Please note that at the time of printing, the benefits for 2013-2014 were still subject to change. For a complete and up-to-date list of benefits, applicable conditions, maximums, and fees, visit www.ihaveaplan.ca at the end of August.
Can I enroll my family? Yes. The GSA Health & Dental Plan gives you the option to enrol your spouse and/or dependants by completing an enrolment process and paying an additional fee, over and above your fee as a member of the GSA. Common law and same-sex couples are eligible.
What if I'm already covered by another Plan? If you're already covered by an equivalent health and/or dental plan (i.e. a parent or spouse's employee benefit plan), you can combine this plan with the GSA Health & Dental Plan to maximize your overall coverage and eliminate out-of-pocket costs. Alternatively, you can opt out of the GSA Health and/or Dental Plan upon submitting proof of equivalent health and/or dental coverage and receive a credit to your student account for the amount of the Plan.
All enrolments and opt outs must be completed during the Change-of-Coverage Period, from Sept. 3 – 30, 2013. The January Change-of-Coverage Period is from Jan. 3 – 17, 2014 and is only for new Term 2 students who wish to enrol themselves and their spouse/dependants for coverage from Jan. 1 – Aug. 31, 2014.
Blackout Period (for new Plan members only): The Blackout Period exists for some students because claims processing is delayed while studentcare.net/works waits for complete enrolment lists, after opt outs and enrolments have been processed. Claims can be dropped off at the Health & Dental Plan Office, but they will not be processed until the Blackout Period ends. You may also hold your claims until this time. Remember: claims are your responsibility until received by the insurer. Practitioners and pharmacists can’t accept Pay Direct or assignment of benefits during the Blackout Period. Please note that returning eligible students who were covered last year (to August 2013) will not experience a Blackout Period. All other students (i.e. new students) will have a Blackout Period during the first two months of 2013’s Term 1. Students beginning their academic year in January 2014 will experience a Blackout Period in Term 2.
Where can I get more information? For more information, visit www.ihaveaplan.ca, stop by the Health & Dental Plan Office in Room 121, Main Level, Place Riel Student Centre, or call (306) 933-0093 / toll-free 1 877 795-4428.