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Plan Enrollment

Want to know if you are eligible for the plan, your plan's start and end date, or how to take advantage of more than one insurance plan?

Am I covered?

All eligible domestic and international students are automatically enrolled in the student health and dental plan, and you will find the fees added as part of your tuition fees. The Health and Dental Plan fees are mandatory and must be paid as well as the Tuition total charges by the applicable deadline to avoid overdue penalties.

The Health and Dental plans were approved by the students' referendum and as a result, are now a requirement of your enrollment at Camosun College through your membership in the Student Society. The plans provide protection and security for eligible students minimizing the effects of injury or ailments.

Eligibility Criteria

The Student Health and Dental Plan provided by Camosun College Student Society is automatically added to students who meet all the following criteria:

  • Accepted into eligible programs
  • Enrolled as having a full-time status of 60 hours of class time over a 7-week period
  • Be a member of the Camosun College Student Society
  • Students residing in Canada studying in person or online
  • Students under the age of 70.

Students with Accessibility Accommodations

Students who are taking part-time course load due to physical or mental conditions may be eligible to opt-in to the Student Health and Dental Benefits Plan. Please contact the Student Benefits Plan Office for more details prior to the deadline of the first semester of your academic year.

Enrollment Confirmation

If you are unsure about whether or not you are eligible for the Student Health and Dental plans, please contact your Benefit Plan Office at ccssplan@camosun.bc.ca prior to any applicable deadlines.

Benefits Card

To get your Benefits Card, you must complete the Registration Form. Your Benefits Card allows you to direct bill with pharmacies and dental offices. To access direct billing simply show your Benefits Card and only pay for the portion not covered by the plan. You can use the electronic card by showing it on your phone or the physical card by printing it.

Returning students that are eligible and charged for the new benefit year are able to continue using the same benefit card; the policy information remains the same during the policy term.

For the benefits card and direct billing to work, you must first create an account at my.canadalife.com and update the address on your profile.

Canada Life online tool

my.canadalife.com is an online tool that provides you access to your group benefits plan. It is important to register on Canada Life once your plan is active. For new students, there are approximately 45-60 days from the start date of your program for the enrollment process to be completed. Through my.canadalife.com you can submit claims, check balances, investigate claim status and history, and set up Direct Deposit of claim payments. For more information, please visit the Submitting Claims section.

Welcome to your Student Group Plan, watch a short video about your benefits

Not Eligible?

If you are not eligible for the student plan, there are personal insurance options available for purchase.

Coverage Period

Eligible students will receive 12 months of coverage starting with the first day of the month your program begins.

Effective Date

Eligible students will receive coverage starting the first day of the term when their programs begin.

Benefit Year

A year or 12 months of benefits coverage under the Student Health and Dental Plan. During the benefit year, eligible students can use their benefits according to the limit amount defined per service. You cannot carry forward any benefits. The benefit year starts the same day as the effective date of your coverage.

The benefits will restart every year. For instance, if the effective date of your plan is September 1st, your benefit year starts on September 1st and ends on August 31st. If you are attending college and are charged the plan fees for the following fall, your coverage will restart September 1st.

Termination Date

The termination date of your benefits is the last day of the coverage calculated from the effective date of the Plan. If you want to confirm the termination date of your plan, please contact your Benefit Plan Office at ccssplan@camosun.bc.ca.

Validation Period

There is a 45-60-day validation period from the start of the term. During this time, you will have to pay out of pocket for all eligible Health and Dental expenses and keep the receipts. After the enrollment process is complete, you will be able to register on the Canada Life website and submit eligible expenses through online claims for reimbursement. Your benefits card will be automatically activated for direct billing by completing your profile.

The validation period applies only to new students, students who apply for re-enrolling and family members added to the plan. Returning eligible students may continue using the health and dental plan without disruption.

Coordination of Benefits

For eligible students who already have a benefit plan, you can utilize both your private plan and your student plan to obtain more coverage. This is called Coordination of Benefits and allows you to maximize your Health & Dental coverage!

How to Get up to 100% Coverage

Use your Student Health and Dental Plan and another plan from your parents, spouse, government, job, or band to maximize your coverage! Your plans can work together to make sure you're getting the most out of your coverage.

The primary insurer is the first payor of the eligible health or dental care costs. Once paid, a claim can be submitted to the secondary insurer for any remaining amounts that are eligible for coverage and not paid by the primary insurance company.

How to identify your primary insurance

If a student is eligible for the Student Health and Dental plan and the student is covered by another plan under a parent's or spouse's as a dependent, the primary insurance is the Student Health and Dental Plan.

Example:

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.

The Student Health and Dental plan pays first.

If a student is eligible for the Student Health and Dental plan and the student is covered by another plan under job, government, or band the primary insurance is the one you have had the longest.

Example:

Students who have Health and Dental coverage through their employer: the student needs to confirm the effective date of all insurances to determine which plan has been in effect the longest.

The plan you have had the longest pays first.

Submitting Claims

After you have identified which is your primary and secondary insurance, submit the claim to your primary insurance first. Once you receive the Explanation of Benefits, you can then submit the remaining unpaid portion to your secondary insurance.

Examples:
Student Health and Dental Plan as Primary Insurance.

Submit the claim to your student plan (Canada Life). Once processed, submit any portion that remains unpaid to your secondary insurance plan.


Student Health and Dental Plan as Secondary Insurance.

If you have an alternative insurance plan that you are also the primary holder of, and that has been in effect longer than your student plan, all eligible claims will be submitted to your alternative plan first. Once the claim is processed, submit any portion that remains unpaid to your student plan.


Submitting Claims for Your Spouse (if applicable).

Submit the claim to your spouse's primary plan first. Next, any unpaid portion can be submitted to your student 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, any unpaid portion can be submitted to the parent’s plan whose birthday falls second in the year.


Important notes:
  • 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.
  • 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.

Not Eligible

My personal insurance solutions from mystudentplan.ca

Our personal insurance solutions fit the needs of individuals who are not eligible for the extended health and dental coverage through a Student Plan. This may apply to you because you may not be included through the established group plan eligibility criteria, or you may be changing enrollment status, graduating, or leaving school. There are many coverage and enrollment options at cost effective rates, including options that do not require any medical questionnaires or exams to qualify for coverage.

Personal Insurance Scenarios

  • I am losing mystudentplan
    I am graduating or leaving school and want information on purchasing personal insurance.
  • I don’t have mystudentplan
    I am not eligible to have mystudentplan and want information on purchasing personal insurance. This option also applies to students who missed the opt-in deadline for their student plan.
  • I want to cover my family
    I missed the deadline to add family to mystudentplan and want information on purchasing personal insurance for my family.
  • I have other insurance & financial needs
    I have other personal insurance needs outside the previous options listed and want to discuss them with an advisor. This option also applies to individuals looking for travel insurance.

The personal insurance solutions are offered in partnership with Canada Life through their PlanDirect™ individual insurance products.