Health and Dental Plan

UNDERGRADUATE STUDENT

Group Name | CSU Student Health & Dental Plan
Group /Policy Number | Q1102
Certificate Number | “0” followed by your 8-digit student ID
Insured by| Desjardins Insurance

Travel Claims
Group/Policy Number | 97180
Certificate Number | 8-digit student ID
Insured by | Blue Cross Life Insurance Company of Canada

Coverage Period
September 1st to August 31st

As an undergraduate student at Concordia University registered for more than 3 credits per term and paying tuition fees at either the Canadian or Quebec rates, you have access to the CSU Student Health & Dental Plan. It covers many benefits not provided by provincial health-care programs, like vision care, dental care, and travel care abroad.

The cost of the StudentCare Plan for full-year coverage is $206 ($89 for Health, $117 for Dental) and is included as part of your tuition bill.

If you wish to opt out of the CSU Student Health and Dental plan, you may do so within the Opt-Out Period.  For students beginning their first semester in Fall, the Opt-Out period is September 8th to 27th 2020.  For students beginning their first semester in Winter, the Opt-Out period is January 4th to 22nd 2021.    All changes of coverage, including enrolments, must also be completed during this period.

Keep in mind that if you are covered by another extended health and/or dental plan (i.e. parent’s or spouses employee plan, not RAMQ), you can combine both plans to maximize your overall coverage and reduce or eliminate out-of-pocket costs.

BENEFITS

Your Plan includes the following health, dental, vision, and travel benefits:

  • Up to 80% for prescription drugs (including most oral contraceptives)
  • Up to 80% for vaccinations
  • Up to 80% for psychologists with a maximum of $750 per policy year
  • $20 per visit for physiotherapist, registered dietitian, chiropractor, osteopath, and more
  • $75 for eyeglasses and contact lenses, $30 for eye exams, and $150 for laser eye surgery
  • Up to 70% for preventative services and up to 50% for basic services, with a maximum of $750 per policy year
  • $5,000,000 in travel health coverage for 120 days per trip, with the possibility of extension in the case of student exchanges
  • $5,000 for trip interruption and $1,500 for trip cancellation in the event of a medical emergency

Ambulances, dental accidents, medical equipment and more.

For a general overview of your coverage plan with StudentCare, please consult the following webpage.

For complete details, please visit www.studentcare.ca.

GRADUATE STUDENT

The CSU offers the student health and dental plan to undergraduate students at Concordia enrolled in three or more credits within a given semester.

Graduate students are advised to contact the GSA for more information on the Health and Dental plan, as they are the group to oversee graduate student coverage.

INTERNATIONAL STUDENT

International students receive the student Health Plan through Blue Cross.

For more information on Blue Cross coverage, international students are advised to contact the International Students Office or visit their webpage.  The ISO is reachable through email at the following address: iso@concordia.ca or by phone at the following number and extension:(514)-848-2424, ext. 3515.

The ISO is also providing Virtual Drop-Ins in response to university closures due to the pandemic, which are accessible at the following link.

International students do not automatically receive dental coverage. They are, however, eligible to enroll in the Dental Plan as well through StudentCare, during the current enrolment period only.

DIALOGUE

Dialogue is an integrated virtual telemedicine service that offers students unlimited virtual access with nurses and physicians 24/7 via a mobile or web app from anywhere in Canada.

It also allows students consultations via videoconference with a licensed doctor or nurse practitioner within 60 minutes during regular hours (8AM-8PM), and within 120 minutes after regular hours (8PM-8AM). During these visits, doctors can provide medical care, issue or refill prescriptions, and refer to specialists and other health care professionals as needed.

For more information on Dialogue, please visit the StudentCare webpage.

 

FAQ

Dialogue is a mobile service included as part of your CSU Student Health and Dental Plan that virtually connects you to health care practitioners. Here is a comprehensive list of services you can access through Dialogue:

  • Consult with a nurse about health-related questions via chat, video, or phone
  • See a doctor via secure video for a diagnosis or prescription
  • Get help with specialist referrals and lab requests
  • Be navigated to local resources to book medical appointments
  • Renew prescriptions, with free delivery to your pharmacy or your door
  • Access the service from across Canada for minor emergencies 24/7
  • Consult health professionals in your time zone:
    • Monday to Friday, from 8 am to 8 pm
    • Saturday to Sunday, from 10 am to 4 pm

Dialogue offers a convenient way of accessing health care professionals without having to encounter travel barriers or potentially long wait times. Here is a brief list of the conditions that practitioners can consult you on through Dialogue:

  • Certain conditions: nasal congestion, sore throat, cough, fever, vomiting, diarrhea, minor aches and pains, headaches, migraines, allergies, breastfeeding
  • Dermatology conditions: skin rashes, hives, or abrasions
  • Minor emergencies: urinary tract infection, conjunctivitis, sinusitis
  • Mental health questions related to stress, anxiety, fatigue, depression, or insomnia
  • Advice regarding minor injuries: cuts, bites, muscular or joint pains
  • Sexual health: sexually transmitted infection (STI) information and screening

Students who are members of the CSU, and who are taking more than one course per term, are automatically enrolled in the CSU extended Health & Dental Plan. To confirm that you are enrolled in the extended Health and Dental plan, contact Studentcare directly at 514-789-8790 and provide your student id number.

Your Plan includes the following health, dental, vision, and travel benefits:

  • Up to 80% for prescription drugs (including most oral contraceptives)
  • Up to 80% for vaccinations
  • Up to 80% for psychologists with a maximum of $750 per policy year
  • $20 per visit for physiotherapist, registered dietitian, chiropractor, osteopath, and more
  • $75 for eyeglasses and contact lenses, $30 for eye exams, and $150 for laser eye surgery
  • Up to 70% for preventative services and up to 50% for basic services, with a maximum of $750 per policy year
  • $5,000,000 in travel health coverage for 120 days per trip, with the possibility of extension in the case of student exchanges
  • $5,000 for trip interruption and $1,500 for trip cancellation in the event of a medical emergency
  • Ambulances, dental accidents, medical equipment and more.
For a general overview of your coverage plan with StudentCare, please consult the following webpage. For complete details, please visit www.studentcare.ca.

The total cost of the Plan is $206.00 for students starting in September ($89.00 for health coverage and $117.00 for dental coverage). The policy year is from Sept. 1, 2020 - Aug. 31, 2021. For students beginning their studies in January, the cost of the Plan is $137.00 ($59.00 for health coverage and $78.00 for dental coverage) for coverage from Jan. 1 - Aug. 31, 2021. The cost of the plan is automatically included in your tuition and other fees.

Eligible students are automatically covered until they choose to opt-out. To see if you have been charged for the CSU Student Health and Dental Plan, you can check for the charge “Health Plan” in your tuition breakdown via MyConcordia by following this path: My Student Center > Finances > Account inquiry > Touchnet > My Account > View account activity > Click by term. Another way to check if you have coverage is to contact Studentcare by phone at (514) 789-8790 to verify your enrollment status.

For Health, Vision and Dental coverage, this is the information pertinent to accessing your coverage:

Group Name | CSU Health and Dental Plan Group/Policy Number | Q1102 Certificate Number | “0” followed by your 8-digit student ID Insured by | Desjardins Insurance

For Travel Claims, this is the information pertinent to accessing your coverage:

Group/Policy Number | 97180 Certificate Number | 8-digit student ID Insured by | Blue Cross Life Insurance Company of Canada

The policy year runs from September 1st to August 31st. You will be billed $69.00 in the Fall term, which covers the period of September 1st to December 31st You will be billed $137.00 in the Winter term, which covers the period of January 1st to August 31st, extending into the Summer months.

Claim forms and procedures can be found online at www.studentcare.ca

You have 90 days after the end of the policy year in which the claims were incurred or 90 days after the end of your coverage, whichever is sooner.

Claims made through the phone app with direct deposit set up take between 5 to 10 business days to process. Reimbursements are received within 3 days after the initial processing is complete. Claims made through letter mail without direct deposit set up take up to 3 weeks to process. Reimbursements are received anywhere up to 4 to 6 weeks.

The status of a submitted claim may be accessed through the StudentCare Mobile app. In order to access this information, login to your account on your mobile device and select the Claim History tab. You may also wish to consult the Desjardins website for a more detailed account of your claim. In order to access this report, you will need to first make an online account with Desjardins, following the instructions on the StudentCare webpage. Once an account has been created, visit the Desjardins portal and log in to your account. After you have successfully logged in, the status of your claim can be accessed through the Claims History tab, under the Processed Claims sub-header.

Please remember, you are always welcome to drop by our office anytime during office hours and we will be more than happy to help you with any questions you may have regarding your Health and Dental Plan, or any other Union matters you may require assistance with. You can also chat with us online (click on the chat widget), email us at info@csu.qc.ca, or call us at 514-848-7474 during office hours.

A pay direct card is a wallet-sized card that displays your Carrier and Policy Number. All you need to do is add your 8-digit student identification number in the boxes provided on the front of the card. This will allow your service provider to access your account.

Your pay direct card allows your service provider to electronically bill Desjardins Insurance on your behalf. By presenting the card, your pharmacist and dentist will be able to process the claim immediately, so you won’t have to pay the full amount up front and wait to be reimbursed.

There are a few ways to access your pay direct card. It is available in your StudentCare Mobile app, under the “Pay Direct Card” tab. A printable version of your card can also be downloaded from the chat with us online (click on the chat widget), email us at StudentCare website. Additionally, you can drop by our office during open hours and pick up a physical card.

You can also further enhance your benefits by visiting health professionals who are members of the DentalVisionChiropracticPhysiotherapy, and Psychology network. You are covered for the insured portion regardless of the health professional you choose. By consulting a Network member, you will get additional coverage.  For example, by visiting a Dental Network member, you will receive an additional 30% off preventive services, enabling you to get up to 100% coverage. Visit www.studentcare.ca for complete details.

Depending on whether or not your healthcare provider is part of the StudentCare network, you may have to pay medical fees upfront. Healthcare providers listed under the StudentCare network, available here, may be able to access your coverage directly, and reduce the percentage covered from the total cost before you pay. For example, independent specialists who are members of StudentCare’s Montreal Vision Network and who offer the Pay-Direct system can process your coverage directly with the insurer. You won’t have to pay up front and wait for reimbursement. You will only have to pay the portion not covered by the insurance and/or StudentCare Network reduction. For providers who are not included within the StudentCare network, you will be responsible for paying your fees upfront and submitting a claim for reimbursement to access your coverage.

You can opt out of the health portion, the dental portion, or the Plan in its entirety during the Change-of-Coverage Period from Sept. 8 - 27, 2020 for students starting in September, or from Jan. 4 - 22, 2021 for students starting in January.  The fee will be reversed from your student account shortly after the end of the Change-of-Coverage Period.   Please pay your tuition fees in full, to prevent any late penalty fees, reversed fees will automatically go towards future tuition and student fees. Keep in mind that if you are covered by another extended health and/or dental plan (i.e. parent's or spouses employee plan, not RAMQ), you can combine both plans to maximize your overall coverage and reduce or eliminate out-of-pocket costs. If you are eligible, the Change-of-Coverage Period is also when you can enrol yourself, your spouse and/or dependent children in the Plan.

Although coverage begins September 1st, there is a Fall Blackout Period (approximately September 1st to October 31st), as student enrolment is being finalized. The Blackout Period reflects a period of time when the insurance company (in this case, Desjardins) is unable to process or reimburse claims. This only applies to students in their first semester, who did not receive coverage the previous policy year. Any expenses incurred during this time can be claimed after the Blackout Period. You can however submit paper claim forms during this period. There is also a Blackout Period that affects new Winter Term students beginning their studies in January. The Winter Blackout Period begins on January 1 each year and lasts approximately until February 28.

The Canadian model for health care is a mixed public/private system; approximately 30 to 40 per cent of normal annual health care expenses are covered through our public healthcare system. The balance is paid directly by individuals (out-of-pocket expenses) or through private health insurance plans, usually through an employer. These costs can be extremely high and may pose a very real barrier to obtaining necessary health and dental care. The CSU extended Health & Dental plan does not replace the Régie de l’assurance maladie du Québec (RAMQ) or an equivalent plan (such as other provincial health care plans or a private basic plan). It offers you extra coverage in addition to basic medical covered by RAMQ.   You must have basic medical coverage in order to be eligible to use the extended coverage provided through the CSU plan. The CSU plan covers many other services that basic RAMQ does not, including dental benefits, private tutorial benefits, travel health coverage, and more. For more information on the Québec health insurance plan, you can visit the Régie de l’assurance maladie du Québec website.

In order to opt out of the CSU Student Health and Dental plan, visit the Régie de l’assurance maladie du Québec website.. There will be an option to opt yourself out of coverage at the bottom left of the webpage, under “Opt Out Now”. After selecting it, you will be prompted to sign in to your account, and from there begin the process of opting out. Please note that there are two types of opt-outs: annual and permanent. Be aware that permanent opt-outs are final, so should you decide to re-enroll to the insurance plan, you will be charged an additional administrative fee in order to receive coverage.

For students beginning their first semester in Fall, the Opt-Out period is September 8th to 27th 2020. For students beginning their first semester in Winter, the Opt-Out period is January 4th to 22nd 2021. Please note that all returning students will be able to change their coverage in accordance with the Opt-Out period in the Fall only.

StudentCare has set up a system that allows students to request opt outs after the Opt-out Period has ended. You will only have one opportunity to submit an Exception Request, so please make sure to describe your situation clearly, and upload all documents supporting your request. In order to be granted an opt-out beyond the deadline, your situation would have to meet certain criteria. For example, a valid reason would be that you have another health insurance provider. There is a page where students can upload documents to provide additional proof. Although it is not required, this is an important step to strengthen your request. Once your exception request is approved, a reimbursement for the StudentCare fees you have paid will be issued to you via email money transfer (“E-transfer”). In order to access the E-transfer, you will be asked to enter a password. To retrieve this password, complete the Email Money Transfer Password Retrieval form.

See StudentCare.ca for full details