About coverage changes
What if I’m already covered?
3 reasons to stick with your student Plan:
1.Your parent’s insurance plan could stop covering you completely if you’re a full-time graduate student over 25, or a part-time student over 21.
2.Most plans don’t offer coverage for vaccinations, travel, or vision, but your student Plan covers those benefits—and for much less! Your student Plan’s travel coverage alone is a great deal. See for yourself at www.ihaveaplan.ca/travel.
3.You can combine plans to maximize your overall coverage—up to 100%.
how do I change my coverage?
You have the ability to manage your coverage so that it
works for you.
INTRODUCING
THE PLAN
TO YOUR FAMILY
Enrol loved ones for less
You can enrol your family (spouse and /or dependent
children) each year by paying an additional fee,
over and above your fee as a member of the Plan.
Common law and same-sex couples are eligible.
Eligibility details are available at www.ihaveaplan.ca. Enrolment forms are available at the SOGS office, located in the University Community Centre, Room 260, and on the SOGS website.
OPTING OUT
The choice is always yours if you wish to opt out of the Plan.
It’s an easy 3-STEP process:
1.Use the Graduate Student Portal at
https://grad.uwo.ca/student/index.cfm.
2. Provide proof of your alternative health and dental coverage (such as a copy of your benefits card or a letter from your parent’s or spouse’s employer) if requested by SOGS staff.
the ease of
claiming at your fingertips
Quick Claiming & Reimbursement
your plan on the Go
Five Easy Steps:
1. Create a profile.
2. Take a picture of your receipt
with your device.
3. Send it to your insurer via the
Search
“ ihaveaplan”
application.
to download now!
4. Have your claims processed
in 5 days.
5. Receive a refund by direct deposit soon after.
Society of Graduate Students
Western University
Download
the App
ihaveaplan_info-guide_sogs_09-15
All you need to know
how can i save even more money?
Discover what the Networks can do for you.
Get access to special offers on health-care services when
visiting professionals from the Dental, Vision, Massage Therapy,
Chiropractic, Pharmacy, and Physiotherapy Networks.
Here is an example of an average DENTAL claim made using a Studentcare
Networks practitioner:
Your
Dental Plan
Coverage
Using the
Studentcare
Dental Network
Total
Coverage
70%
30%
100%
You’re covered for the
insured portion of your Plan
regardless of the health
practitioner you choose.
However, by consulting a
Network member, you’ll get
additional coverage.
0
$
to
pay
Keep more money
in your pocket!
Independent
specialists
$50 off per eye on
Standard LASIK
$100 off per eye on
Advanced Custom
Wavefront
30% off prescription
eyeglasses, up to $75
10% off selling prices
with coupon code
Discounts on eye exams
and contact lenses
Studentcare15
Exclusive savings from our Pharmacy Network Partner
10% off your total prescription costs (discount
applied to your co-pay, up to a maximum of $25)
20% off regularly priced President’s Choice®, No Name®, Quo®, and Life Brand® products
with your Student Savings Card
when can i change my coverage?
Free prescription delivery
• Opt outs and enrolments for Fall Term students: Sept. 1 - 30, 2015
• Opt outs and enrolments for new Winter Term students only: Jan. 1 - 29, 2016
•Opt outs and enrolments for new Spring Term students only: May 1 - 31, 2016
coverage by
students for students
your sogs
student
health & dental
plan
Exclusive savings from our Vision Network Partners
3.Receive a refund on your tuition statement shortly after the end
of the Change-of-Coverage Period.
During the appropriate Change-of-Coverage Period:
2015/2016
And more!
Dentists, Physiotherapists, Massage Therapists, and Chiropractors.
Find more information about your Plan and extend your coverage by looking up a Studentcare Networks practitioner at www.ihaveaplan.ca.
NEED HELP?
www.ihaveaplan.ca / 1 866 358-4435
ihaveaplan.ca
A Plan for your everyday adventures !
all you need to know
detailed HEALTH & DENTAL
What are you waiting for?
about your plan
PLAN benefits
Visit www.ihaveaplan.ca to make the most out of your Plan!
what is a health and dental plan?
The Plan is a valuable service offered by your student society,
SOGS, to provide its members with the extended health
and dental coverage they need beyond provincial health care
and other basic health-care programs. It is administered
by Studentcare, the leading provider of student health
and dental plans in Canada.
More
than
Health
Health
Coverage
Per Visit/
Purchase
Per
POLICY Year
up to
Prescription Drugs &
Vaccinations
80% $3,500
The Plan is a collective approach to health care, which allows
individual fees to be much lower than the cost of private health
coverage. acupuncturist
80% $500
Who’s covered? chiropodist
80% $500
WHY A GROUP PLAN?
All full-time graduate students at Western University who have paid
their ancillary fees and who are members of SOGS are automatically
covered by the SOGS Health & Dental Plan. Certain exceptions
exist. Please check your student account to confirm if you have
been charged the Plan fees.
The following are eligible to enrol themselves in the Plan:
Chiropractor
80% $500
Naturopath
80% $500
Per Visit/
Purchase
Eye Exams,
Eyeglasses,
or contact lenses
$200
laser eye surgery
$150
A referral by a medical doctor
is needed for visits to a massage
therapist.
Eligible
every:
Occupational
Therapist
80% $500
WHat is THE group number?
• Health, vision, and dental benefits insured by Desjardins Financial Security Life Assurance Company: Group Number Q1109
Osteopath
80% $500
Physiotherapist
80% $500
Podiatrist
80% $500
1
policy
year
up
to
For details on fees, visit the SOGS office located in the University
Community Centre, Room 260.
NEED HELP?
Amount
covered
Eligible
every:
travel health
coverage
120
days
per
trip
Medical Incident
$5M
per
incident
Trip Cancellation
$1.5K
per
trip
Up to $1,500 per trip for pre-paid, non-refundable trip expenses
in case of a medical emergency.
Trip Interruption
$5K
per
trip
Up to $5,000 per trip in case
of a medical emergency.
Dental
Society of Graduate Students (SOGS)
Rm. 260, University Community Centre
Western University
London, ON N6A 3K7
dental
Coverage
details
Visit ihaveaplan.ca to find out
how you can extend coverage for
a student exchange/internship
of over 120 days.
$ 5 00
up
to
in coverage per policy year
insured
portion
studentcare dental
network savings
total
coverage
70%
30%
100%
70%
20%
90%
fillings, endodontics (root canals), periodontics (gum treatments)
70%
20%
90%
what Other health services are covered?
Major Restorative
20%
20%
hospitalization, tutorial benefit, ambulance, dental accident,
medical equipment, tuition insurance, and more.
not
covered
Visit www.ihaveaplan.ca for complete details.
Preventive Services
Psychologist/
psychotherapist
80% $500
www.ihaveaplan.ca
1 866 358-4435
$5,000,000
in coverage
travel
Coverage
• Travel benefits administered by Blue Cross: Group Number 97180
HOW MUCH DOES IT COST?
Eye exams Must be performed by
a licensed optometrist. Receipts
for eyeglasses and contact lenses
must include the prescribed strength,
or provide the detailed prescription.
24
Go to www.ihaveaplan.ca to find out more about enrolment.
an osteopath must be a doctor
in osteopathic medicine.
details
months
4. Practicum or internship students on Work Term in the fall
5. Post-doctoral fellows and associates
$350
in coverage
Travel
2. Co-op students on Work Term in the fall
3. Students on leave
Vision
Coverage
details
the dispensing fee is limited to $8 per
prescription, refill, or vaccination.
The plan covers most medications
legally requiring a prescription.
See ihaveaplan.ca for more details.
up
to
Vision
80% $500
Massage Therapist
1. Part-time students
$10,000
in coverage
recall exams, cleanings, x-rays, scaling
Extraction of Impacted Teeth
Speech Therapist
80% $500
Basic Services
crowns, bridges, posts