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Am I Covered

For information on eligibility and costs related to individual student enrolment, please select Eligibility Criteria below.
For information on eligibility and costs related to family coverage, please select Family Coverage below.



Eligibility Criteria

September Start Students Eligibility Criteria
The health and dental plan was approved by student referendum in 2003, and, as a result, it is now a requirement of your enrolment at Douglas College through your membership in the Students' Union. The plan provides protection and security for eligible students who would not otherwise be able to afford necessary dental or health treatments as well as minimizing the effects of injury and ailments.

The cost of the plan is included in your tuition fees provided you meet the eligibility enrollment criteria:
1. You are a fee paying member of the Douglas students' Union
2. you are enrolled in 9 credits or more
3. are residing in Canada
4. are under the age of 70
Part Time Students
In the fall semester, for a limited period of time, from Thursday September 17 to Wednesday September 30 at 4pm, part-time students enrolled in a minimum of 3 credits and who are not automatically enrolled in the plan, may enroll provided they submit the completed opt-in form and pay the applicable fee. To submit your enrollment request please contact the DSU Office.

Part-time students enrolled in a minimum of 3 credits but fewer than nine credits in the Fall Semester may enroll in the plan, provided they complete the enrollment process and pay the required $425 premium prior to the applicable deadline.
It is the student's responsibility to complete the Individual Enrollment form and provide payment of the applicable fee(s) prior to the deadline.


January Start Students (Optional Opt-in)
In the winter semester, for a limited period of time, from Monday January 18 to Friday January 29 at 4pm , all students attending the College for the first time in the Winter semester and enrolled in a minimum of 3 credits, may elect to enroll in the plan, regardless of the number of credits, provided they submit the completed opt-in form and pay the applicable fee. To submit your enrollment request please please contact the DSU Office.

All students attending the College for the first time in the Winter Semester and enrolled in a minimum of 3 credits, may elect to enroll in the plan, regardless of number of credits, provided they complete the enrollment process and pay the required $375 premium prior to the applicable deadline.   
For these members, the benefit period begins January 1 and ends August 31 of the same year.

Please note: All BC residents must be enrolled in MSP (Medical Services Plan). For more information please visit the BC Ministy of Health webpage.

Coverage Period

For eligible students starting in the fall semester, coverage begins September 1st and ends August 31st of the following year. For eligible students starting in the winter semester, coverage begins January 1st and ends August 31st.

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.

Family Coverage

During the Fall semester, for a limited period of time, from Thursday September 17 to Wednesday September 30 at 4pm, (for new winter semester students from Monday January 17 to Friday January 29 at 4pm) you are given the opportunity to purchase family coverage for your spouse and/or dependent(s) by completing the opt-in form and the fee payment.

Your family can only be covered while you are a student on the plan.

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

2020 - 2021 Family Health & Dental Fees:
One dependent - $425.00 ($375 in the case of new Winter Semester students)
Two or more dependents - $675.00 ($595 in the case of new Winter Semester students)

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 (common law) 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:
a) your spouse, if you are legally married or if not legally married, you have lived in a common-law relationship for more than 12 continuous month. Only one spouse will be considered at any time as being covered under the group contract;
b) your unmarried child under age 21;
c) your unmarried child (regardless of age) who became totally disabled while eligible under b) above, and has been continuously so disabled since that time and is considered a dependent as defined under the Income Tax Act, also qualify as a dependent.

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

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 to 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.

Service Members


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