Health and Dental Plan

Health and Dental Plan

The Graduate Students' Association offers full and part-time graduate students a comprehensive Health, Vision and Dental plan through Student VIP. The benefit year runs from Sept 1 to Aug 31.  See below for details, including the current premium rates, claim forms, opt-in/out information and more. If you have questions about the graduate student benefit plans that are not answered below, please email gsahealth@brocku.ca. 

Visit our office to obtain your GSA Health and Dental plan benefit card , or print your card - see link at right.  Check out our Student VIP site for all of the details of your plans.  They are also on Facebook and Twitter, if you have any questions or concerns.  

How to make a claim:  This video goes over how students can get their drug and dental benefit card, go to the pharmacy, the dentist, and health practitioners, how to submit claims, and more.

New Travel App:  Allianz Global Assistance, our travel coverage provider, has launched a new smartphone app that provides Canadian travellers with emergency medical expertise at their fingertips. The TravelMedic mobile app provides Canadians travelling abroad with important information on local medical providers, medication and first aid translations, emergency phone numbers and more.  See details at https://www.brocku.ca/webfm_send/33289.

Please note that Fall Term students, who qualify, must OPT-OUT between Sept 1 - Sept 30 - online only - see link at right.  Part-time students can OPT-IN to the plans during this period also.  All students may also upgrade to Family Coverage at this time.  Any student who begins their program in the Winter or Spring term, is not automatically charged for the plans, they must OPT-IN manually at the GSA Office (see form at right).

DIRECT 2U PRESCRIPTIONS - Graduate Students can take advantage of this service being offered to lower the cost of your prescriptions and have them delivered on campus, the nearest or to your home address, the next day.  Go to www.studentvip.ca/brockgsa for more information and sign up today - it's free! The pick-up location on campus is in the GSA Office - MC C302.  Direct2U offers 100% drug coverage (for generic brands) and no Black-out period.  Your doctor's office can just fax the prescription directly to them, or you can have current prescriptions transferred from a regular pharmacy, as well.

Away from campus during the summer holidays? Have your prescriptions delivered direct to you using Direct2U Prescriptions. Instead of picking up your medications from the GSA Office, your package can be rerouted to your home, workplace, or any Canada Post or FedEx location in Canada. Never transfer your prescriptions again. Get free, next day delivery while at home, at work, or on vacation within Canada. All you need to do is contact Alliance Pharmacy at 1-877-796-7979 when you need your next refill and let them know where you are located.  On Facebook.

Health Services Clinic - There is a full service health clinic on campus, available to all students.  It is located in Harrison Hall and offers a walk-in clinic, as well as by appointment - see their website for more details.

Frequently Asked Questions

What is the fee for the Health plan in 2014-2015?

The fees for graduate students for 2014-2015 are as follows:

Full/Part Time Students

  Single Family - Additional to Single Fee
Term 1 Year (Sept) 8 Months (Jan) 4 Months (May) 1 Year (Sept)

8 Months (Jan)

4 Months (May)

Charge to Student 240.00 165.00 95.00 520.00 345.00 190.00

 

What is the fee for the Dental plan in 2014-2015?

The fees for graduate students for 2014-2015 are as follows:

Full/Part Time Students

 

 

Single Family - Additional to Single Fee
Term 1 Year (Sept) 8 Months (Jan) 4 Months (May) 1 Year (Sept) 8 Months (Jan) 4 Months (May)
Charge to Student 175.00 175.00 175.00 430.00 430.00 430.00

 

NOTE: Full-time domestic, full time/part-time International and most full-time/part-time Co-op students are automatically charged for the Health and Dental plan in the Fall term only.  You must check your Brock Tuition billing to determine if you have been billed for the plans.  Students who already have coverage must have proof and must opt-out of each plan. The GSA will not directly reimburse graduate students; their Brock accounts will be credited, approximately mid-October.   Any student who begins their program in the Winter or Spring term, is not automatically charged for the plans, they must OPT-IN manually at the GSA Office (see form at right). Students on Leave of Absence are not eligible for the plans. All students must be under the age of 80 to be eligible for coverage, only students under the age of 70 are eligible for travel coverage.

The next opt-out period is between Sept 1 -Sept 30, 2014. Once this date is passed, you are no longer able to opt out of the Health or the Dental plan. Students may opt out of either plan, online only - see link at right.

PART-TIME DOMESTIC STUDENTS MUST OPT-IN to the program if they wish Health and/or Dental coverage. Also, any student who begins their program in the Winter or Spring term, is not automatically charged for the plans, they must OPT-IN manually at the GSA Office. You can also opt your family into either plan, but you must pay the Single, plus the Family fee to do so.  Bring the completed Opt-In form and a cheque/money order to the GSA office (MC C302) during the opt-in period.

All Full-time Graduate students may upgrade to the Family Plan for Health and/or Dental.  Bring a completed copy of the Opt In Form and a cheque/money order to the GSA office during the opt-in period.

Can graduate students opt-out of the Health & Dental plan?

Yes, if you can demonstrate that you have comparable coverage through your work, parents, spouse, etc. You can opt-out at Student VIP by just following the links. You may ONLY opt-out online, no other form of opting-out is accepted or processed. You can opt-out  of one or both of the plans, depending on your alternate coverage.  UHIP or OHIP do not qualify as alternate coverage.  The deadline to Opt-out is from September 1 - September 30, 2014 when enrolling in Fall 2014. Electronic Opt-out received after this date will NOT be processed under any circumstances. After the opt-out deadline has passed, students who have successfully opted-out will be refunded by Finance through their account. 

We recognize that a dental plan is also offered through CUPE; however, by offering dental insurance we ensure that graduate students that do not meet the CUPE hour requirements, are unable to TA, or do not have year-round dental insurance, have access to coverage.  You cannot be covered under both plans.

Can my family receive coverage?

Yes, to upgrade to Family coverage for Health and/or Dental, the Full-time Graduate student will need to download the Opt-In Form.  Print it off, fill it out, and return it with a cheque/money order to our office in MacKenzie Chown C302, during the opt-in period.  If you are a Part-time Domestic Graduate student, or a Winter/Spring term new Graduate student; you must opt both yourself and your family into the plans using the Opt-in Form

When does coverage start and how does it work?

Coverage starts from time of admission  (Sept 1) to the end of the school academic year (August 31). You will need a Brock Student Health Plan ID card when visiting the Pharmacy for prescriptions, or the Dentist. You can download your own card at Brock Student Health Plan ID , print it out, fill in your student number (e.g. BGA 2256569-00), and take it to your pharmacy or Dentist.  You can also print a customized Brock Student Health Plan ID  - you must be signed into the Student VIP site to access.  You can pick up a hard copy of the card at the GSA office (MC C302), if you prefer.  There is a “Black-Out” time period between the time you enroll and your coverage is activated. During the “Black-Out” period save your receipts and submit them using the appropriate forms available at Student VIP Claim Forms, after activation.   The Extended Health Claim form is now available in an online version, which you must be signed into the Student VIP site to access.

How do I know if I'm in the health or dental plan?

If you are unsure if you have been charged the health or dental plan fee, please check your Brock Finance account. The fee will be listed as GSA Health Plan, or GSA Dental Plan. If you have registered after September 30th for your graduate program you will not be billed for the plans. Students who have not paid for the health plan or dental plan are NOT covered automatically.  All students must be under the age of 80 to be eligible for coverage, only students under the age of 70 are eligible for travel coverage.

Why does the cost of the health plan change each year?

The cost of the health plan is based on the value of claims made in the previous year. The costs are calculated individually for single and family plans. The GSA does not profit from the health or dental plan.  

What does the Health Plan cover?

You can review the details of the health plan coverage at the following link Brock GSA Benefit Plan Brochure. If you have questions concerning coverage, you can contact the GSA Health Plan Administrator or Student VIP Customer Service at 1-888-918-5056 to determine benefit eligibility and coverage details.  Your coverage includes Prescription drugs (80%), Medical items and services, Emergency transportation, Professional services, Vision Coverage, Accidental Death and Dismemberment Insurance and Out of Province/Canada Travel Medical Emergency Insurance.  All students must be under the age of 80 to be eligible for coverage, only students under the age of 70 are eligible for travel coverage.

What does the Dental Plan cover?

If you have questions concerning coverage, you can contact the GSA Health Plan Administrator or Student VIP Customer Service at 1-888-918-5056 to determine benefit eligibility and coverage details.  Briefly, the plan covers 80% of diagnostic/preventative, 80% extractions & minor restorative procedures, polishing once per 12 months, complete series and panoramic x-ray every 3 years.  There is a yearly maximum of $800. You can review the details of the dental plan coverage at the following link Brock GSA Benefit Plan Brochure.

What is AD&D?

As part of the GSA health plan you are entitled to $10,000 Accidental Death and Dismemberment benefits. In the event AD&D will be paid to your beneficiary. Please see your Brock GSA Benefit Plan Brochure for further details.

Events

Research is On Tap (RiOT) @ Alphie's
October 29, 2014 - 4:30pm - 6:00pm