how do i claim?
About coverage changes
What if I’m already covered?
3 reasons to stick with your graduate student Plan:
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.
INTRODUCING
THE PLAN TO Enrol loved ones for less
YOUR FAMILY
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 one
dependant for
add unlimited
dependants for
$ 467.87
$ 935.74
DID YOU KNOW?
Your Plan can
cover you almost
anywhere in the world!
Find more details online.
Your Peace of Mind
is our Top Priority.
/ person for
full-year coverage*
maximum for
full-year coverage*
*Family enrolment fees for coverage from Jan. 1 - Aug. 31, 2016 (for new Spring semester graduate students) and from May 1 - Aug. 31, 2016 (for new Summer semester graduate students) are available at www.ihaveaplan.ca.
OPTING OUT
The choice is always yours if you wish to opt out of the health
portion, the dental portion, or the Plan in its entirety.
It’s an easy 3-STEP process:
That’s why we’ve made claiming simple:
www.ihaveaplan.ca
• Instructions and claim forms are available
online at www.ihaveaplan.ca.
•After your first claim has been processed, you’ll be eligible
for direct deposits. Going forward, you’ll also be able to check
your claim’s status online.
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, Psychology, Doctor, Massage
Therapy, Chiropractic, 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
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.
3. Receive a credit to your student account shortly after the end
of the Change-of-Coverage Period.
when can i change my coverage? During the appropriate Change-of-Coverage Period:
•Opt outs and enrolments for Fall semester graduate students:
Sept. 2 - 21, 2015
• Opt outs and enrolments for new Spring semester graduate students only: Jan. 4 - 18, 2016
•Enrolments for new Summer semester graduate students only:
May 5 - 20, 2016
0
to
pay
Keep more money
in your pocket!
Exclusive savings from our Vision Network Partners
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
1. Use the secure, online opt-out processing system at www.ihaveaplan.ca.
2.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).
$
$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_sfu_gss_09-15
All you need to know
2015/2016
coverage by
students for students
your gss
grADUATE
BENEFIT plan
Welcome to being a graduate 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 graduate student
society, the GSS, 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.
Health
Coverage
Who’s covered?
Any student enrolled in a graduate program at SFU in September
or January is automatically covered by the GSS Graduate Benefit
Plan. This includes Great Northern Way Campus students. Certain
exceptions exist. Please check your student account to confirm if
you have been charged the Plan fees.
Go to www.ihaveaplan.ca to find out more about enrolment.
HOW MUCH DOES IT COST?
80%
Must be listed in the Fair PharmaCare
Plan Formulary.
Psychologist
80% $400
Must be a licensed psychologist,
registered clinical counsellor,
or have a Master’s degree in
Social Work.
Massage Therapist
$30 $400
A referral by a medical doctor is needed
for visits to a massage therapist.
Chiropractor
$30 $400
One x-ray per policy year is Included
in this overall maximum.
Health &
Dental Plan
COMBINED
$456.87
yea
o
rc
ve
ra
ANNUAL FEE
$263.97
One x-ray per policy year is included
in this overall maximum.
Podiatrist/
Chiropodist
$30 $400
One x-ray per policy year is included
in this overall maximum.
Speech Therapist
$30 $400
Acupuncturist
$30 $400
Athletic therapist
$30 $400
or s
elf-
enro
Dental Plan
Only
$300
in coverage
Per Visit/
Purchase
Eligible
every:
Eye Exam
$60
months
Eyeglasses And
Contact Lenses
$100
months
laser Eye surgery
$150
details
24
the eye exam Must be performed
by a licensed optometrist.
24
Receipts must include the prescribed
strength, or provide the detailed
prescription.
1
policy
year
up
to
Travel
$5,000,000
in coverage
travel
Coverage
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
dental
Coverage
details
Visit ihaveaplan.ca to find out how you can extend coverage for a student exchange/internship.
$700
up
to
in coverage per policy year
studentcare dental
network savings
total
coverage
Preventive Services
recall exams, cleanings
80%
20%
100%
diagnostic services, ambulance, dental accident,
medical equipment, and more.
extraction of
impacted teeth
80%
20%
100%
* 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 $600 threshold. To register, please call
1 800 663-7100.
Basic Services
80%
20%
100%
not covered
20%
20%
winter 2016 FEE
Health Plan
Only
$175.98
winter 2016 FEE
l m e n t f e e s.
Vision
Coverage
over
insured
portion
what Other health services are covered?
winter 2016
combined fee
$304.58
R ADVE
NTURES
july
ap
af
YOU
august
Lo
f
feb
e
av
w.ih
n.c
RA
L
JAN
ua
rua ry
r
mar y
ch
april
ww
la
FO
may
june
g
visit
e
$30 $400
Only
ANNUAL FEE
f u l l-
Ber
SEPTEM
Ber
OCTO
er
EMB r
NOV
e
MB
E
C
De
Dental Plan
$30 $400
$30 $400
Osteopath
$192.90
most medications legally requiring
a prescription are covered. see
ihaveaplan.ca for more details.
prescription
vaccinations
Only
ANNUAL FEE
up to
details
100% $150
Naturopath
Health Plan
Per
POLICY Year
non-prescription
vaccinations
Physiotherapist
Vision
in coverage
80%
The following students may be eligible to enrol themselves in the Plan:
1. Graduate students on approved leave
2. Graduate students beginning their academic year in May
Per Visit/
Purchase
$10,000
Prescription Drugs*
WHY A GROUP PLAN?
The Plan is a collective approach to health care, which allows
individual fees to be much lower than the cost of private health
coverage.
More
than
Health
$128.60
If you’re eligible, the Plan fee for coverage from Sept. 1 - Aug. 31 will be
automatically included in your tuition and other fees. Graduate students who aren’t
automatically covered but choose to enrol in the Plan must pay additional SFU and
GSS administrative fees. New Spring and Summer semester graduate students pay
a pro-rated fee for coverage until Aug. 31. Visit www.ihaveaplan.ca for more details.
WHat is THE group number?
• Health, vision, and dental benefits insured by Desjardins Financial Security Life Assurance Company: Group Number Q1113
• Travel benefits administered by Blue Cross: Group Number 97180
fillings, oral surgery, denture
repairs, relining, rebasing,
endodontics (root canals),
periodontics (gum treatments)
Major Restorative
crowns, bridges, posts
Visit www.ihaveaplan.ca for complete details.