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Am I Covered

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Eligibility Criteria

The Student Benefits Plans was approved by student referendum and as a result are now a requirement through your membership in the Students' Union. 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 and you will be automatically enrolled into the plans, provided you meet the eligibility enrollment criteria:

1) you are a full-time student taking 18 or more credits,
2) you are a Canadian citizen or permanent resident or international student
3) you are covered under a Provincial Health Care Plan or the StFXSU International Medical Plan and,
4) you are under the age of 65.

***Please note : if you are a part-time student you are eligible to opt into the Health and Dental Plans. You must submit the online Opt-In form before the applicable deadline. ***

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

International Students

All international students are required to be enrolled in the StFXSU International Medical Plan. The cost of this plan is included in your institutional fees and you will be automatically enrolled into the plan, provided you meet the eligibility enrollment criteria:
• Students who can provide proof of admission in a recognized Canadian institution of learning;
• Students completing post-doctorate research in a recognized Canadian institution of learning;
• Are 65 years old or under; and
• Are not eligible for a provincial or territorial government health insurance plan in Canada; and
• Know of no reason to seek medical attention at the time of purchase.

Each student and dependent must apply individually and will be covered under separate policies provided the appropriate premiums have been paid.

Please note: if you have a Provincial Health Care Plan you are eligible to opt-out of the StFXSU International Medical Plan. You must submit the online International Opt-Out waiver within the applicable deadline. Please contact the StFXSU Student Benefits Plan Office with any questions.

Coverage Period

Eligible students will receive 12 months of coverage starting with the first day of the month your program begins.

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.

International students are eligible for enrollment on the STFXSU International Medical Plan the first day of their arrival in Nova Scotia. Please contact the STFXSU Benefits Plan Office to confirm your arrival.

Family Coverage

Each year, you are given one opportunity to purchase family coverage for your spouse and/or dependent(s) by completing the online application form and paying the family coverage fee. All family add-on forms must be received no later than 30 days after the start of your program. Your family can only be covered while you are a student on the plan(s).

2019 - 2020 Health & Dental Family Add-On Fees:
Family Health (student plus one or more dependents)   $440.00
Dental +1 (student plus one dependent)   $425.00
Dental +2 (student plus two dependents)   $575.00
Family Dental (student plus three or more dependents)   $650.00

Family add on’s. Spouses and children students can be added on to the family plan only if the student is enrolled on the plan. Family members must be added onto the plan each year, they are not automatically re-enrolled. Family members will be subjected to a validation period each year.

Once your Family Add-On form has been processed and approved, your student account will be adjusted to reflect the applicable fees.
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 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 before the established deadline.

International Student Coverage Process

Without nova Scotia Health Card (MSI)  With Nova Scotia Health Card (MSI) 
International student arrives at STFXSU
International student opt out of STFXSU coverage plan by providing proof of MSI coverage by submitting the online opt-out waiver and uploading image of MSI card with the form (Opt-out opportunities in Fall and Winter semesters).
Student is enrolled in the provincial coverage plan.
Benefts Plan Ofce opts students out of emergency plan by sending a service request to Finance.
Student is enrolled in the Domestic Gallivan plan, should that option be chosen.
Student stays enrolled on the Domestic Gallivan plan, or; Student enrolled on the out of province emergency plan.
Benefts Plan Ofce supports students on how to use plans.
Benefts Plan Ofce keeps track of MSI coverage expiry date with each International student using internal tracking systems.
Benefts Plan Ofce send reminder at the end of year 1 to International students on
how to enroll for MSI and eligibility requirements.
Benefts Plan Ofce sends request to students to provide proof of renewed MSI coverage.
  If MSI renewal is not received within established deadline, benefts ofce re–enrols
student on the emergency coverage plan and sends ticket to fnance.
  Benefts Plan Ofce will initiate refunds for any month’s emergency coverage plan not used by student (if no claims have been previously made in policy year).

Please contact the STFXSU Student Benefits Plan Office to confirm your eligibility for the Student Health and Dental Plan.

ALP Students

STFXSU currently offers full time students an extended health and dental benefits plan and as a full time student taking 3 or more units in our Adult Learning Program, you will be automatically enrolled. There is some important information you need to know about the health and dental plan. So read on and be sure to contact the Student Benefits Office or your ALP Counselor if you need further clarification.

Is the plan compulsory?
Yes. All students in ALP taking 3 or more units are included on the plan unless they have alternate coverage under another plan (i.e. spouse's plan, family plan or through a sponsor such as the Department of Community Services). Students with other coverage must submit an opt-out form and the health and dental plan will be removed from their student account.

New Student to ALP?
If you have other coverage (i.e. spouse's plan, family plan, through a sponsor), you must submit your opt out form by the deadline. Please contact the Student Benefits Plan Office for the specified deadline. All other students will only be added to the plan upon successful completion of the three (3) month ALP Transition period, at which time your coverage will be backdated to the first day of the month in which your program started. If you wish to add family coverage, please contact the Student Benefits Plan Office for the specified deadline.

Returning Student to ALP?
Your health and dental plan fee or opt-out form must be submitted by the deadline. Please contact the Student Benefits Plan Office for the specified deadline. If you wish to add family coverage, please contact the Student Benefits Plan Office for the specified deadline.

Purchase Optional Coverage

Should your insurance coverage needs fall outside of what is provided through your Student Health & Dental plan, mystudentplan.ca provides the following optional insurance programs:

Follow-me Plan: This program will fit the needs of students who are no longer eligible for coverage through the Student Plan. Whether you are graduating, changing your enrolment status, or simply leaving school the Follow-me plan has no insurability requirements and provides various levels of coverage at cost effective rates.

Find out more about your Follow-me coverage options

Flex-Care Individual Insurance: This program is available to students who are not eligible for coverage provided through the Student Benefit Plan or for family members who require coverage and are not eligible through the Family Add On option under the Student Plan. With the Flex-Care Individual Insurance you can investigate your individual coverage options.

Find out more about your Flex-Care Individual Insurance options

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 work together to make sure you're getting the most out of your coverage.
Your Student Plan is your primary plan and it pays your claims first. Your secondary plan can pay 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.

Nova Scotia Health Card

Nova Scotia Health Card (MSI)

Nova Scotia's Health Insurance Programs are designed to provide eligible residents with coverage for medically required hospital, medical, dental and optometric services with some restrictions. If you are an international student with a Nova Scotia Health card you can use that coverage to opt-out of the International Medical Plan.

Students with a Study Permit that is valid for a minimum of 12 months can apply for coverage the first day of the thirteenth month following the date of arrival in Nova Scotia as a student (providing they have not been outside the province for more than 31 consecutive days except in the course of their studies)
Example: If you arrived in Nova Scotia in the month of July, you would not become eligible to apply for MSI until the following August.

Students who arrive in Nova Scotia with a spouse or partner who holds a Work Permit that is valid for a minimum of 12 months may be eligible for MSI coverage immediately upon arrival in Nova Scotia.

It is the student’s responsibility to apply/renew their MSI cards.

Please contact MSI with any related questions:

Toll-free: 1-800-563-8880

Phone: 902-496-7008

Email: MSI@medavie.ca