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Am I Covered



Eligibility Criteria

The health and dental plans were approved by student referendum and as a result are now a requirement of your enrolment at BCIT through your membership in the Student Association. The plans provide protection and security for eligible students minimizing the effects of injury or ailments. The cost of the plans is included in your institutional fees provided you meet the eligibility enrolment criteria:

1) are a member of the BCIT Student Association,
2) are in an applicable program,
3) meet the full-time criteria,
4) are residing in Canada,
5) are under the age of 70, and
6) you have paid your student fees owed to the institution in full.

Disability Students
Students who are taking part-time course load but are considered full-time by the institution may be eligible to opt in to the Student Health and Dental Plan. Please contact the BCITSA Health & Dental Plan Office for further details, prior to the applicable deadline for your semester period of enrolment.

Coverage Period

Eligible students will receive coverage starting with the first day of the month your program begins. You are assessed the fee along with your program fees. If you do not complete your program, it may result in coverage being adjusted to what fees you had paid. Please see the BCITSA Health & Dental Plan Office for more detailed information regarding your coverage period.

New eligible students will be added to the health and dental plan approximately 45 days from the start date of your program. Please keep your receipts for eligible expenses incurred during this time period for submission to the insurance carrier upon completion of the enrolment process.

Returning eligible students may continue to access the health and dental plan without disruption by using their current myBenefits Card or by submitting reimbursement claims directly to the insurance carrier.

Family Coverage

Each year, you are given one opportunity to purchase family coverage for your spouse and/or dependent(s) by completing an application form at the BCITSA Health & Dental Plan Office and paying the family coverage fee. All family add-on forms and applicable fees must be received no later than 30 days after the start of your program. Your family can only be covered while you are a student on the plan(s).

Please note: Your optional family add-on is not automatically renewed. In order for your family add-on to continue, you must purchase the coverage each benefit year before the applicable deadline. FAMILY ADD-ON FEES ARE NON-REFUNDABLE.

Spouse means the person who is a resident of Canada, and who is married to the student, or a person of either sex who has continuously co-habitated with the student for a period of at least one year and who is publicly represented as the student's wife or husband.

Dependent means an unmarried child who is a resident of Canada, and entirely dependent on the student for maintenance and support, and who is:
1) under 21 years of age,
2) under 25 years of age and attending a college or university full-time, or
3) physically or mentally incapable of self-support and became incapable to that extent while entirely dependent on the student for maintenance and support and while eligible under 1) or 2) above.

IMPORTANT: These fees are in addition to the student health and dental fee.

2018 - 2019 Family Add-On Fees:
Health (one or more dependent) $120.00
Dental (one dependent) $120.00
Dental (two or more dependents) $240.00

To add family coverage to your Student Health and Dental plan submit the completed Family Add-On Form, along with the required fees to the BCITSA Health & Dental Plan Office, before the established deadline.

International Students

Please contact the BCITSA Health & Dental Plan Office (please go to assistance page and click 'on campus care' for information) to confirm your eligibility for the Student Health and Dental Plan.

Purchase Optional Coverage

Should your insurance coverage needs fall outside of what is provided through your Student Health & Dental plan, mystudentplan.ca provides the following optional insurance programs:

Following-me Plan: This program will fit the needs of students who are no longer eligible for coverage through the Student Plan. Whether you are graduating, changing your enrolment status, or simply leaving school the Follow-me plan has no insurability requirements and provides various levels of coverage at cost effective rates.

Find out more about your Follow-me coverage options

Flex-Care Individual Insurance: This program is available to students who are not eligible for coverage provided through the Student Benefit Plan or for family members who require coverage and are not eligible through the Family Add On option under the Student Plan. With the Flex-Care Individual Insurance you can investigate your individual coverage options.

Find out more about your Flex-Care Individual Insurance options

Travel Insurance: This program is available to anyone who will be travelling outside of Canada and does not have travel benefits provided through the Student Plan and would like to purchase travel coverage for themselves and/or family members.

Find out more about your Travel Insurance options

Coordination of Benefits

How to Get 100% Coverage
Use More Than One Plan to Maximize Your Coverage!

Do you have more than one benefit plan? Student Plan, Parent's Plan, Employer Plan or Spouse's Plan?
If so, those plans can work together to make sure you're getting the most out of your coverage.
One plan becomes your primary plan. It pays your claims first. Then the second plan pays toward the remaining cost.

Students who have health or dental coverage through their school: these plans will always pay before any plan where the student is covered as a dependent.

Example:
A student has health coverage through the university plan, but is also still eligible under a parent's plan as a dependent. Therefore - the school plan pays first.


This process is called coordination of benefits and it's easy to do!

IMPORTANT – Take a copy of your original receipt before you send it to your primary plan as you will need to send a copy to the secondary plan.

Submitting Claims For Yourself:
Submit the claim to your Student Plan first (this is your primary benefit plan).
Next, an unpaid portion can be submitted to your Parent's Plan, Employer Plan or Spouse's Plan (this is your secondary plan).

If you have more than one plan where you are the primary insured (Student Plan and Employer Plan) your primary plan is the one you have had the longest. Submit the claim to the plan you have had the longest (this is your primary benefit plan). Next, an unpaid portion can be submitted to the plan you have had the second longest (this is your secondary plan).



Submitting Claims for Your Spouse (if applicable):
Submit the claim to your spouse's plan first (this is their primary benefit plan).
Next, an unpaid portion can be submitted to your Student Plan (this is their secondary plan).


Submitting Claims for a Dependent Child (if applicable):
Submit the claim to the parent's plan whose birthday falls first in the year (this is their primary benefit plan).
Next, an unpaid portion can be submitted the parent's plan whose birthday falls second in the year (this is their secondary plan).



ALWAYS REMEMBER!
Include a copy of the Explanation of Benefits statement received from the first claim submission (primary plan), as well as a photocopy of the originally submitted receipt when you submit to your secondary plan.

Invididual Enrollment

If a student has successfully completed an opt out but requires re-enrolment into the plan there are 2 opportunities to do so:

1) Upon Policy Anniversary: For students starting in September the anniversary would be the following September prior to the applicable deadline. For students starting in January the anniversary would be the following January prior to the applicable deadline.

2) Lifestyle Change: There are certain circumstances known as lifestyle changes that allow a student to make changes to their enrolment status within 30 days of the change. Lifestyle changes include; getting married or meeting the twelve month co-habitation requirement for common law status, birth/adoption of a child, meeting provincial plan residency requirements and losing their alternate coverage.

Students who lose their comparable coverage may opt back into the plan(s), provided that they are within 30 days of losing coverage. If a student has lost their comparable coverage they must show documentation of loss by submitting a letter from either the insurance carrier or employer.

It is the student's responsibility to complete the Individual Enrolment form and provide payment of the applicable fee(s) prior to the deadline.

For more information on re-enrolment please contact BCITSA Health & Dental Plan Office

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