Menumenu button

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 term fees.

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

Eligibility Criteria

The Student Health and Dental Plan provided by The Students' Association of Mount Royal University is automatically added to students who meet all the following criteria:

  • Accepted into and remain declared in eligible studies programs
  • Students taking 9 or more credits at Mount Royal University
  • Assessed a Student Association Fee
  • Students residing in Canada studying in person or online
  • Students under the age of 70.

International students in ESL program or students in credit-free programs are not currently eligible for the SAMRU Health and Dental plans.

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 any applicable deadline.

Status & Band Sponsored Students or Government Sponsored

Are automatically eligible if the meet the eligibility criteria described above.

Enrollment Confirmation

If you are not sure if you meet the eligibility criteria, please visit www.mymru.ca and log in using your account. If you see the Health Plan and dental Plan charges included in your tuition, you are covered by the Health and Dental Plan provided by the Students Association.

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 mtroyalplan@mystudentplan.ca prior to any applicable deadlines.

Benefits Card

To get your Benefits Card, you must generate your card. Your Benefits Card allows direct billing 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 do not need to apply for the card every term that they are eligible for the plan, as the card remains active for future terms the students are eligible for the plan.

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 aproximately 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 setup 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

Effective Date

Eligible students will receive

  • Fall Semester: For eligible student the coverage begins September 1st and ends August 31st.
  • Winter Semester: For eligible student the coverage begins January 1st and ends August 31st.

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 September 1st.

Termination Date

The termination date of your benefits is the last day of the 12 month coverage period starting the effective date of the Plan. For example, If you start your program on February 9th, the effective date of the plan is February 1st and the termination date is January 31st. If you want to confirm the termination date of your plan, please contact your Benefit Plan Office at mtroyalplan@mystudentplan.ca.

Validation Period

There is a 45-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 submit online claims for reimbursement and your benefits card will be automatically activated.

The validation period applies only to new students, returning eligible students may continue using the health and dental plan without disruption.

Coordination of Benefits

For eligible students that have more than one benefit plan, they can utilize both plans and be 100% covered! This is called, Coordination of Benefits, and allows students to maximize their 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! Those plans can work together to make sure you're getting the most out of your coverage.

The primary insurance pays first its share of the health or Dental care costs. Then, the secondary insurance plan will pay up to 100% of the total cost of health or Dental care, as long as it's covered under the plans. The plans won't pay more than 100% of the health care cost, so you're not going to get double the benefits if you have multiple health insurance plans.

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 or Dental coverage through their job: the students need to confirm the effective date of all insurances to determine which is 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.

First, submit the claim to your Student Plan (Canada Life), wait for the result and next submit the unpaid portion to your Parent's or Spouse's Plan.


Student Health and Dental Plan as Secondary Insurance.

If a student has insurance through work and school, you submit the claim to the plan you have had the longest (this would be your primary plan). Next, any unpaid portion can be submitted to the other insurance you have had the second longest (this would be 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).


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.