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Eligibility Criteria

The health and dental plans were approved by student referendum and as a result are now a requirement of your enrolment at Western University. 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) enrolled as a full-time student at the University of Western Ontario, and
2) under the age of 65, and
3) must be residing in Canada or an international student studying from your home country*, and
4) Covered under a Provincial Health Care Plan or equivalent.

* For 2020-2021 International Students studying in your home country please click here for details for submitting eligible claims.

MBA students are eligible for the health plan only. Please confirm eligibility and start dates with the USC plan administrator.

If you are unsure about whether or not you are eligible for the Student Health and Dental plan, please contact the USC plan administrator prior to any applicable deadlines.

Coverage Period

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

Family Coverage

Coverage provided through the Student Health and Dental Plan can be extended to a spouse and/or dependent(s). To add eligible dependent(s) you must complete the online form found and provide the fees prior to the applicable deadline; https://westernusc.store/health-plan-family-add/. The Student must also be enrolled in the Student Health and Dental Plan.

IMPORTANT! The fees for Family Add-on are in addition to the student health and dental fee.

Spouse Eligibility

Spouse is defined as your spouse by marriage or under any other formal union recognized by law, or your common-law spouse.

Common-Law Spouse is a person who has been living with you in a conjugal relationship continuously for a period of not less than one year or who is the natural or adoptive parent of a child of who you are also the parent.

Spouse means the person who is residing in 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 Children Eligibility

Children are defined as your natural children, stepchildren, legally adopted children, and children for whom you/and or your spouse have been appointed as guardian(s) for all purposed pursuant to an Order of the Court. NOTE: if the child is your stepchild or your spouse’s adopted child or a child for whom your spouse has been appointed guardian, both your spouse and the children must reside with you full-time. In addition, the child must be:

1)Unmarried
2)Under 21 years of age and not employed full-time
3)Under 25 years of age, if they are attending a college or university full-time, or
4)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

NOTE: Parents, Grandparents, Siblings are not eligible dependents.

2020 - 2021 Family Add-On Fees:
Health $410.84
Dental $396.06
Health & Dental $806.90

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.

Please read and agree to the Terms & Conditions prior to submitting your online Family Add-On form.

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.

Change my Coverage



When considering opting-out of your coverage, keep in mind the following:

-What is in the best interest of my overall health and well-being?
-Does my existing coverage meet all the needs that I may have?
-A parent's insurance plan will stop covering you completely if you’re a part-time student over 21 or a full-time student over the age of 25.
-In order to cover all of your needs you can combine your student Health Plan with another plan for up to 100% coverage. To get more information about claiming and coordinating your benefits with another plan, read through the “Benefits Plan Claims” link here.

Already have coverage?

Coordinating multiple plans: If you are an eligible student and have comparable coverage you may wish to coordinate your plans. Benefits under the two plans can be coordinated to increase your coverage up to 100% of the actual expense(s) incurred. For example, following payment under this plan you can submit outstanding balances to the other plan for consideration. Find out more about coordination of benefits.

Opting Out of coverage: If you are an eligible student and have comparable health and/or dental coverage you may apply to opt-out of the plan(s). Each student is given one opportunity to opt-out of the health and/or dental plan(s) each year. All opt-out forms must be completed online and must be received by the applicable deadline. If you have used your health and dental plan, you will not be able to opt-out. You will not be able to opt-out of coverage at any other point during the school year. 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.

Approval of your opt-out will result in the fee being credited to your Western Tuition account. Once your opt-out has been accepted, it will remain in force for the benefit year.

If you are unsure about whether or not you are eligible for the Student Health and Dental plan, please contact the Campus Administrator prior to any applicable deadlines.

Please read and agree to the Terms & Conditions prior to submitting your online opt-out.

Student Information

Date of Birth
Phone Number
Program Start Date

Opt In



When considering opting-out of your coverage, keep in mind the following:

-What is in the best interest of my overall health and well-being?
-Does my existing coverage meet all the needs that I may have?
-A parent's insurance plan will stop covering you completely if you’re a part-time student over 21 or a full-time student over the age of 25.
-In order to cover all of your needs you can combine your student Health Plan with another plan for up to 100% coverage. To get more information about claiming and coordinating your benefits with another plan, read through the “Benefits Plan Claims” link here.

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 and January the anniversary would be the following September 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.

Student Benefits Plan coverage is provided to eligible students automatically, except in certain circumstances where a student’s enrolment status excludes them from automatic inclusion by the institution. To enroll in the Student Health and/or Dental plan(s), complete the sections below and submit this form. You will then be contacted by the Student Benefit Plan Office, via an email notification, of any required supporting documents and/or fees. All supporting document(s) and/or fees must be received by the applicable deadline in order for the enrolment process to be completed.

Please read and agree to the Terms & Conditions prior to submitting your online enrolment form.

You must only complete this form if you are in an eligible program and were not charged the fees.  

Student Information

Gender
Date of Birth
Phone Number
Program Start Date

Family Add On


Each year, students are given one opportunity to purchase family coverage for their spouse and/or dependent(s) by completing an application form online and paying the family coverage fee. Family add-on forms must be received by the applicable deadline. Family coverage is then added during the enrolment processing period.

Family coverage must be re-purchased each year and is the student's responsibility to do so by the applicable deadline.

A student's family can only be covered while they are a student on the plan.

For information about eligible family members please refer to the "Am I Covered" tab.

Coverage provided through the Student Health and Dental plan can be extended to a spouse and/or dependent(s). To add eligible dependent(s) complete the sections below and submit this form. You will then be contacted by the Student Benefits Plan Office, via an email notification, of any required supporting documents and fees. All supporting document(s) and fees must be received by the applicable deadline in order for the family add on process to be completed. IMPORTANT: These fees are in addition to the student health and dental fee. 


Family add-on coverage is not automatically renewed each year. 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.  


Student Information

Gender
Date of Birth
Phone Number
Program Start Date

Service Members


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