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Am I Covered

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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 Ryerson 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) are a student enrolled in a full-time undergraduate program or student enrolled in law program through the Lincoln Alexander School of Law,
2) are in an applicable program,
4) are residing in Canada, and
5) are under the age of 70 (for AD&D only).  

Please note: Effective September 1st, 2021, all Graduate Students (except students enrolled in law program through the Lincoln Alexander School of Law) will no longer be eligible for the RSU Health Plan as a result of a referendum. These students will have a separate health and dental plan administered by the Ryerson Graduate Students Union. For more information please contact them directly by email at info@rgsu.ca.

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.

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.

Returning eligible students may continue to access the health and dental plan without disruption by using their current myBenefits Card or by submitting reimbursement claims directly to the insurance carrier.

Family Coverage

Each year, you are given one opportunity to purchase family coverage for your spouse and/or dependent(s) by completing an application form online or at the Member Services Office and paying the family coverage fee. All family add-on forms and applicable fees must be received by the applicable deadline for the semester period of enrolment. Your family can only be covered while you are a student on the plan(s).

Below is important information about Family Coverage with your student health & dental plans.
  • To be include your family member(s) must meet the definition of spouse or dependent as outlined below.
  • Your family can only be covered while you are on the plan.
  • The add-on fees are in addition to the student health and dental fee.
  • Add-on fee amounts available by contacting Support.
  • Add-on fee amounts are subject to change.
  • 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 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 an unmarried child who is a resident of Canada, and entirely dependent on the student for maintenance and support, and who is:
1) under 21 years of age,
2) under 25 years of age and attending a college or university full-time, or
3) 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.

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

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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