Quick Claiming &
Reimbursement What if I’m already covered? 3 reasons to stick with your student Plan:
1.Your parental insurance plan could stop covering you completely if you’re a full-time 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
Five Easy Steps:
your plan on the Go
Search
“ ihaveaplan”
on the app store
to download now!
Download
the App
1. Create a profile
2.Take a picture of your receipt
3.Send it to your insurer via your Apple device
4.Wait only 5 days for your claim to be processed!
5.Receive a refund by direct deposit soon after
Discover what the Networks can do for you.
healthy coverage
for the student body
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
70%
30%
You’re covered for
the insured portion of your Plan regardless of the health practitioner
you choose.
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.
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.
100%
0
$
to
pay
Keep more money
in your pocket!
However, by consulting a Network member,
you’ll get additional
coverage.
Exclusive savings from our Vision Network Partners.
3.Receive a cheque at your department shortly after the end of the Change-of-Coverage Period. when can i change my coverage?
During the appropriate Change-of-Coverage Period:
• Fall Term students: • New Winter Term students only:
• New Spring Term students only:
$50 per eye on
Standard LASIK
30% off prescription
eyeglasses, up to $75
10% off selling prices
with coupon code
$100 per eye on
Advanced Custom
Wavefront
Discounts on eye exams
and contact lenses
Studentcare14
Exclusive savings from our Pharmacy Network Partner.
2. Provide proof of your alternative health and dental coverage (such as a copy of your benefits card or a letter from your parent or spouse’s employer) if requested by SOGS staff.
Sept. 1 - 30, 2014
Jan. 1 - 31, 2015
May 1- 31, 2015
Your SOGS Student
Health &
Dental Plan
Total
Coverage
Independent
specialists
OPTING OUT
Society of Graduate Students
The University of Western Ontario
how can i save even more money?
Enrol loved ones for less
You can enrol your family (spouse and /or
dependants) 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.
2014/2015
the ease of
claiming you deserve
10% off your total prescription costs (up to $50)
20% off Life Brand® products with your Student Savings Card
Free prescription delivery
And more!
Dentists, Physiotherapists, Massage Therapists, and Chiropractors.
Mindcheck | Ever Wonder?
Studentcare is proud to facilitate access to Mindcheck: online self-care tools
and mental health resources that can help. Visit ihaveaplan.ca/mentalhealth.
ihaveaplan_info-guide_sogs_09-14
All you need to know
About coverage changes
ihaveaplan.ca
A Plan for your everyday adventures
all you need to know
about your plan
detailed HEALTH & DENTAL PLAN benefits
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
Prescription Drugs &
Vaccinations
up to
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 students at Western University who have paid their
ancillary fees and who are members of SOGS, including eligible
international students studying and paying fees at Western
University, exchange students studying abroad, co-op students,
practicum students, and internship students on academic term,
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.
Chiropractor
Massage Therapist
$10,000
Per
POLICY Year
A referral by a medical doctor is
needed to be covered for visits to
a massage therapist.
80% $500
1. Part-time students
2. Students on medical leave
3. Co-op students on Work Term in the Fall
4. Practicum or internship students on Work Term in the Fall
5. Post-doctoral fellows and associates
Naturopath
Occupational
Therapist
80% $500
Go to www.ihaveaplan.ca to find out more about enrolment.
Osteopath
80% $500
Physiotherapist
80% $500
• Health, vision, and dental benefits insured by Desjardins Financial Security: Group Number Q1109
• Travel benefits administered by Blue Cross: Group Number 97180
HOW MUCH DOES IT COST?
For details on fees, visit the SOGS office located in the University
Community Centre, Room 260.
NEED HELP?
Podiatrist
an osteopath must be a doctor in
osteopathic medicine.
Society of Graduate Students (SOGS)
Rm. 260, University Community Centre
Western University
London, ON N6A 3K7
laser eye surgery
$150
travel
Coverage
80% $500
Speech Therapist
80% $500
Eligible
every:
details
Eye exam Must be performed by a
licensed optometrist. Receipts for
eyeglasses and contact lenses must
include the prescribed strength, or
provide the detailed prescription.
24
months
1
policy
year
up
to
$5,000,000
in coverage
Amount
covered
Eligible
every:
details
Visit ihaveaplan.ca to find out
how you can extend coverage for a student exchange/internship of
over 120 days.
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
dental
Coverage
$500
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%
Major Restorative
not
covered
20%
20%
Preventive Services
recall exams, cleanings, x-rays, scaling
www.ihaveaplan.ca
1 866 358-4435
$200
80% $500
Psychologist/
psychotherapist
Per Visit/
Purchase
Eye Exams,
Eyeglasses,
or contact lenses
80% $500
80% $500
in coverage
Travel
The following are eligible to enrol themselves in the Plan:
WHat is THE group number?
Vision
Coverage
details
after an $8 deductible per prescription,
refill, or vaccination. The plan covers
most medications legally requiring a
prescription. verify ihaveaplan.ca for
more details.
$200
Vision
in coverage
Extraction of Impacted Teeth
Other health services covered:
hospitalization, tutorial benefit, ambulance, dental
accident,
medical equipment, tuition insurance, and more.
Find more information about your Plan and extend your coverage by looking up a Studentcare Networks practitioner at www.ihaveaplan.ca.
Basic Services
crowns, bridges, posts
Visit www.ihaveaplan.ca for complete details.