2017-18 GCSU HEALTH & DENTAL PLAN

In the current climate of increasing health and dental care costs, students on fixed incomes are particularly vulnerable. Each year, the costs of prescription drugs and basic health services take increasingly large portions out of the limited budgets of many students. To assist with costs, the GCSU operates a group health and dental plan for its members. All full-time students are enrolled in these plans when they register. Fees for Health and Dental Plans are collected in the Fall and Winter semesters. Plan coverage is on an academic year basis. Students who enroll in the plan for the fall and winter semesters will be covered for the period September 1-August 31. Students who are not registered and pay fees for both semesters should check with the GCSU for information regarding their coverage status.

The health plan provides coverage for prescription drugs and paramedical services such as chiropractic, physiotherapy, and orthopedic services, as well as out-of-province travel insurance.

The dental plan provides coverage for services, such as fillings, x-rays, exams, fluoride treatments, and cleanings. Plan benefit year runs from September 1-August 31.

You are eligible if you are a full-time member of the Grenfell Campus Student Union. Students who wish to upgrade to family coverage must contact jbelbin@grenfell.mun.ca.

International Students who have a valid MCP Card are eligible. Please contact jbelbin@grenfell.mun.ca for details on how to register as a plan member.

Spouse means persons of the same or opposite sex who are married to each other, or are:

  • Living together in a conjugal relationship continuously for at least one (1) year; or
  • Living in a relationship of some permanence and are the natural or adoptive parents of a child.
  • Only one (1) spouse may be covered at the same time.

Dependent Children include your unmarried children, stepchildren and legally adopted children who reside with you and are dependent upon you for support and are:

  • Younger than age 21;
  • Age 21 but younger than age 25 and in full-time attendance at an accredited institute of learning and dependent on you for support; or
  • Twenty-one (21) years or older and mentally or physically disabled and incapable of self-sustaining employment who was insured under this policy as a dependent on the day prior to his or her 21st birthday and remains dependent on you for support.
DRUG BENEFIT % REIMBURSED BENEFIT YEAR* MAXIMUM
Prescription Drugs 70% Generic Rider $2,000 overall maximum
HEALTH SERVICES 85% REIMBURSED BENEFIT YEAR* MAXIMUM
Chiropractor $300
Naturopath $300
Psychologist (medical referral required) $300
Podiatrist/Chiropodist $300
Speech Therapist (medical referral required) $300
Osteopath $300
Physiotherapist $300
Registered Massage Therapist (medical referral required) $300
Ambulance transportation Reasonable & Customary
Accidental Dental Reasonable & Customary
Prosthetic Appliances Reasonable & Customary
Durable Medical Equipment Reasonable & Customary
Eye Exams 1 per 24 months up to $40
Vision Care (glasses, contact lenses) $65/24 months
Orthopedic Shoes $150
Hearing Aids $500 per 5 years
Tutorial Benefit Private tutorial services of a qualified teacher @ $15/hr. up to $1,000 per disability (plan member only)

* Benefit Year runs from September 1, 2017 to August 31, 2018
“Co-payment” means the amount that you are required to pay.
“Co-insurance “means the percentage of the eligible amount that you are entitled to receive after satisfaction of the deductible.

DENTAL BENEFIT 80% REIMBURSED BENEFIT YEAR* MAXIMUM
Current Provincial Dental Association Fee Guide for General Practitioners $1000
Recall exams, bitewing x-rays, cleaning Limited to once per every 9 months
Scaling, Fillings, Endodontic (root canal therapy) Once per year
Periodontal Treatment 10 time units every 12 months

* Benefit Year runs from September 1, 2017 to August 31, 2018
“Co-payment” means the amount that you are required to pay.
“Co-insurance” means the percentage of the eligible amount that you are entitled to receive after satisfaction of the deductible.

Students already covered under another health and dental plan (other than a provincial health care plan) may choose to opt out of the Student Union plans to receive a refund of health plan and or dental plan fees. As the Union’s plans include benefits specifically designed for students’ needs, retaining the coverage will increase your total coverage and further reduce health care costs. Students can opt out of Health and or Dental plans online by following the links from the Student Union and Grenfell Campus web site. Students wishing to opt out will be required to demonstrate proof of coverage of their existing plans, including the name of the insurance company and the policy number. The opt out deadline is two weeks after the first day of lectures. Students who opt out in September will automatically be opted out for the remainder of their academic studies at Grenfell Campus providing they maintain full-time course status as a Grenfell Campus student.

For more information, please the view the health and dental benefits booklet via the link below:

Drop by the GCSU office anytime or contact Josephine Belbin at 709-639-4305 jbelbin@grenfell.mun.ca or email gcsuinfo@grenfell.mun.ca..

Students can contact the Green Shield Customer Service Centre directly at 1-888-711-1119 or greenshield.ca/StudentCentre.