the ease of
claiming at your fingertips
All you need to know
About coverage changes
Quick Claiming & Reimbursement
What if I’m already covered?
Five Easy Steps:
1.Your parent’s insurance plan could stop covering you completely if you’re a part-time student over 21, or a full-time student over 25.
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%.
What if I want to change my coverage?
You have the ability to manage your coverage so that it works for you. Visit www.ihaveaplan.ca during the appropriate
Change-of-Coverage Period to use the secure, online opt-out or enrolment system, and follow the detailed instructions.
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.
add unlimited
dependants for
Download
the App
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, Doctor, Psychology,
Massage Therapy, Chiropractic, and Physiotherapy Networks.
Here is an example of an average DENTAL claim made using a Studentcare
Networks practitioner:
Enrol loved ones for less
add one
dependant for
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. Wait only 5 days for your claim
to be processed!
5. Receive a refund by direct deposit soon after.
$382.50
for
full-year coverage*
$637.50 maximum
/ person for
full-year coverage*
*Family enrolment fees for coverage from Jan. 1 - Aug. 31, 2016
for new Spring semester students, and from May 1 - Aug. 31, 2016
for new Summer semester students, are available at www.ihaveaplan.ca.
Your Enhanced
Dental Plan
Coverage
Using the
Studentcare
Dental Network
Total
Coverage
80%
20%
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!
Exclusive savings from our Vision Network Partners
COVERAGE OPTIONS & OPTING OUT
The choice is always yours if you wish to choose a different level
of coverage, mix and match portions of the Enhanced Plan and
the Basic Plan, or opt out of the health portion, the dental portion,
or the Plan in its entirety.
It’s an easy 3-STEP process:
1.Use the secure, online opt-out processing system at
www.ihaveaplan.ca to choose your level of coverage.
2. If you’re opting out, upload proof of your alternative health
and/or dental coverage (such as a copy of your benefits card
or a letter from your parent’s or spouse’s employer) OR
choose the Basic Plan, a lower level of coverage for a
lower price, with no proof of coverage required.
3. Receive a credit to your student account or a cheque for the difference in Plan fees shortly after the end of the Change-of-Coverage Period.
when can i change my coverage? •Opt outs, coverage levels, and enrolments for new and returning Fall semester students: Sept. 2 - 21, 2015
•Opt outs, coverage levels, and enrolments for new Spring semester students only: Jan. 4 - 18, 2016
• Enrolments for new Summer semester students only: May 5 - 20, 2016
Vancouver
Studentcare
Vision Network
Only $75
for select prescription
eyeglass models
(frames and lenses)
$75 off
select prescription
eyeglass models
$60 eye exams
$50 eye exams
$50 off per eye on
Standard LASIK
$100 off per eye on
Advanced Custom Wavefront
10% off selling prices with
coupon code Studentcare15
And more!
Dentists, Physiotherapists, Massage Therapists, and Chiropractors.
Online Psychology
Studentcare is proud to introduce the Online Psychology Network. Access mental
health treatment from the comfort of your home. Visit ihaveaplan.ca/talkitout .
NEED HELP?
www.ihaveaplan.ca / 1 866 369-8795
Student Health & Dental Plan Office
Maggie Benston Centre, Room 2240
Find more information about your Plan and extend your coverage by
looking up a Studentcare Networks practitioner at www.ihaveaplan.ca.
ihaveaplan_info-guide_sfss_09-15
3 reasons to stick with your student Plan:
INTRODUCING
THE PLAN
TO YOUR FAMILY
your plan on the Go
2015/2016
coverage by
students for students
your sfss
ENHANCED student
health & dental
plan
Welcome to being a student: one of the craziest adventures you’ll
ever have. From running to class while downing coffee, to playing
hard and working even harder—no matter which challenges you
face, this Plan has got you covered so you can make the most out
of your educational experience.
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, the
SFSS, 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. WHY A GROUP PLAN?
Health
Health
Coverage
Prescription Drugs*
All SFU undergraduate students who are registered for
3 or more credits in September or January at Burnaby, Surrey,
or Vancouver campuses are automatically enrolled in the Enhanced
Health & Dental Plan when paying fees to SFU. This includes eligible
international students, exchange or study abroad students, Co-op
students on exchange, and Co-op students, when paying fees to SFU.
Certain exceptions exist. Please check your student account to confirm
if you have been charged the Plan fees.
Prescription
vaccinations
If you don’t fit into one of these categories, you may be eligible to enrol yourself in the Plan. Go to ihaveaplan.ca to find out more about enrolment.
Massage Therapist
Psychologist
Enhanced Plan
Physiotherapist
Naturopath
ANNUAL FEE
Dental Plan
Only
ANNUAL FEE
$168.60
f u l l-
ANNUAL FEE
ra
g
ap
JAN
ua
rua ry
r
mar y
ch
april
of
feb
e
av
w.ih
RA
LL
af
or s
elf-
YOU
winter 2016
combined fee
$170.00
R ADVE
NTURES
july
ve
ww
FO
Dental Plan
Only
winter 2016 FEE
august
o
rc
visit
e
may
jUNE
yea
$255.00
Health Plan
Only
$112.40
winter 2016 FEE
enro
l m e n t f e e s.
Vision
Coverage
$57.60
Looking for a different level of coverage?
Try the Basic Plan for $198 or mix and match portions of the Enhanced
Plan and the Basic Plan. Visit www.ihaveaplan.ca for more details.
If you’re eligible, the Enhanced Plan fee for coverage from Sept. 1 - Aug. 31 will
be automatically included in your tuition and other fees. New Spring and Summer
semester students pay a pro-rated fee for coverage until Aug. 31.
$275
most medications legally requiring
a prescription are covered. See
ihaveaplan.ca for more details.
100% 100% $150
mUST BE LISTED IN Fair PharmaCare Plan Formulary. See ihaveaplan.ca
for more details.
80% 100%
$350
in coverage
basic
plan
enhanced
plan
Eye Exam
$60
$60
Eyeglasses And
Contact Lenses
$75 $150
laser Eye surgery
$150 $150
$20
80%
$400
$500
must be a licensed psychologist,
licensed psychological associate,
registered clinical counsellor, or
have a Master’s degree in Social Work.
$20
$20
$20
$35
$35
$35
$400
A referral by a medical doctor is needed for visits to a massage
therapist.
$400
One x-ray per policy year is
included in this overall maximum.
$400
$20
$35
$200
$400
up
to
Travel
Eligible
every:
amount
covered
per
trip
120
Medical Incident
per
incident
$5M
Trip Cancellation
per
trip
$1.5K
Trip Interruption
per
trip
$5K
travel
Coverage
travel health
coverage
days
enhanced
COMBINED
Ber
SEPTEM
Ber
OCTO
er
EMB r
NOV
e
EMB
DeC
$1,000
70% 80% $3,000
$86.40
enhanced
Health &
Dental Plan
details
BASIC
Health Plan
Only
per day
n.c
up to
Per
POLICY Year
enhanced
Chiropractor
la
up to
Vision
enhanced
Eligible
every:
2
policy
yearS
24
months
details
the eye exam must be
performed by a licensed
optometrist.
Receipts must include the
prescribed strength, or provide
the detailed prescription.
1
policy
year
BASIC
HOW MUCH DOES IT COST?
70¢
enhanced
plan
$10,000
in coverage
enhanced
non-Prescription
vaccinations
only
basic
plan
basic
over
BASIC
The Plan is a collective approach to health care, which allows individual
fees to be much lower than the cost of private health coverage.
Who’s covered?
More
than
Osteopath
$20
$35
$400
One x-ray per policy year is included in this overall maximum.
Registered Dietician
$20
$35
$400
A referral by a medical
doctor is needed for visits
to a registered dietician.
Podiatrist/Chiropodist
$20
$35
$400
Speech Therapist
$20
$35
$400
One x-ray per policy year is
included in this overall maximum.
what Other health services are covered?
DIAGNOSTIC SERVICES, Home nurse, tutorial benefit,
dental accident, ambulance, and more.
* Register for Fair PharmaCare to maximize your overall drug coverage,
have the appropriate deductible assigned to you, and avoid an interruption in
claims processing once you reach the $525 threshold. To register, please call
1 800 663-7100.
WHat is THE group number?
• Health, vision, and dental benefits insured by Desjardins Financial Security Life Assurance Company: Group Number Q1112
• Travel benefits administered by Blue Cross: Group Number 97180
$5,000,000
in coverage
details
Visit ihaveaplan.ca to find out how you can extend coverage for a student exchange/internship.
Up to $1,500 per trip for pre-paid, non-refundable trip expenses
in case of a medical emergency.
Up to $5,000 per trip in case of a medical emergency.
basic
Dental
dental
Coverage
Preventive Services
recall exams,
cleanings, extraction
of impacted teeth
Basic Services
Fillings, oral surgery, endodontics (root canals),
periodontics (gum treatments)
Major
Restorative
crowns, bridges, posts
insured portion
basic plan
$600
enhanced
$700
up
to
in coverage per policy year
insured portion
enhanced plan
studentcare
dental network
savings
total
coverage
BASIC
70%
80%
20%
90%
100%
enhanced
BASIC
60%
70%
20%
80%
90%
enhanced
BASIC
not
covered
not
covered
20%
20%
20%
enhanced
Visit www.ihaveaplan.ca for complete details.