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Frequently Asked Questions

Why a health and dental plan?
Costs for dental and health services are at an all-time high and show no sign of reprieve. Students on fixed incomes are especially susceptible to these increases, and the last thing they want to spend these fixed monies on is an unforeseen accident, dental or medical procedure. Putting even routine procedures off can have monumental effects for students, as missing classes or study time can have disastrous consequences. Considering these points, the New Brunswick Community College Student Union has worked to design and implement a reasonably priced health and dental insurance plan. This plan can aid students in maintaining a quality of health, which can ensure that avoidable medical emergencies do not endanger the pursuit of their studies.

Why is the plan mandatory?
With a mandatory plan, the insurance risk is spread over a larger number of students. This lowers the cost per student, making the fee in a range that is affordable to students. An individual health and dental plan can cost as much as five times the current student fee.

Is this plan the same as provincial health care?
No. The proposed plan is an extended health and dental plan, which supplements existing provincial health care. It DOES NOT replace provincial health care. Student benefits are payable after any provincial health care benefits have been exhausted. This plan does not cover user fees.

Who do I contact for claims related issues?
Students must contact Great-West Life customer service directly to inquire about payment status and claims history details. Your NBCC Student Benefits Plan Office does not have access to your claims details.

Who do I contact for eligibility and enrolment inquiries?
Students must contact the NBCC Benefits Plan Office directly to inquire about eligibility and/or enrolment status.

How do I pay the plan fees?
The fees for the health and dental plans will be assessed automatically by the institution at registration if you meet the eligibility criteria previously listed..

The health & dental plan is administered exclusively by the SU and any involvement by the New Brunswick Community College, either actual or implied, is limited only to the collection of the student fee on behalf of the SU. NBCC assumes no liability for the administration of the plan whatsoever including, but not limited to, the placement and/or extent of coverage and the processing and/ or adjustment of claims.

What if I already have coverage?
Coordination of Benefits: Benefits under the two plans can be coordinated to increase student coverage up to a total of 100% of the actual expense(s) incurred. For example, following payment under this plan, students can submit outstanding balances to the other plan for consideration.

Opting Out of the Student Benefits: Eligible students with comparable health and-or dental coverage may apply to opt-out of the benefits. Each student is given an opportunity to opt-out of the benefits under the health and/or dental plan(s) each year. Students only have to opt out once! Once a student's ?opt-out form has been accepted, the ?opt-out will remain in force as long as they are an eligible student. Approval of opt-out forms will result in the plan fee being refunded.

What if I miss the Opt-Out deadline? 
You will not be able to opt-out of coverage at any other point during the school year. For example, if your program starts in September, you must opt-out prior to the end of the Fall deadline. The same rule applies for opting in (unless you lose your comparable coverage, see below for loss of coverage information). NO EXCEPTIONS will be made if the deadline is missed. It is the student's responsibility to pay the plan fees, should they miss the applicable opt-out deadline.

Can I add my family to the plan?
Each year, students will be given one opportunity to purchase family coverage for their spouse and-or dependent(s) by completing an application form and paying the family coverage fee. A student's family can only be covered while they are a student on the plan.

What if I or my family loses our comparable coverage?
If comparable coverage used to ?opt-out of the student plan(s) terminates, or coverage provided to cover your family terminates you have 30 days from loss of coverage to notify the NBCC Student Benefits Plan Office in order to be covered under the health and/or dental plan(s). Confirmation of loss of coverage is also required on re-application for coverage. It is your responsibility to apply for benefits and provide payment of the family coverage fee prior to the 30-day deadline.

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