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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. Part-time Graduate Students are not eligible for the Health and Dental Plan provided by the Graduate Students' Association.

The Health and Dental plans were approved by the students' referendum and as a result, are now a requirement of your enrollment at the University of Guelph through your membership in the Central Student Association or Graduate 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 Plans provided by The Central Student Association or Graduate Students' Association are automatically added to student's tuition if students meet all the following criteria:

  • Accepted into and remain declared in eligible studies programs
  • Member of the Central Student Association as having part-time or full-time status
  • Member of the Graduate Students' Association as having full-time status
  • Students residing in Canada studying in person or online

Part-time Graduate Students are not eligible for the Health and Dental Plan provided by the Graduate Students' Association.

Enrollment Confirmation

If you are not sure if you meet the eligibility criteria, please visit https://experienceguelph.ca/login.htm and log in using your account. If you see the Medical Insurance Premium and Dental Insurance charges included in your tuition, you are covered by the Health and Dental Plans provided by the Central Student Association or Graduate 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 guelphplan@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 approximately 45 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 coverage starting on the first day of the month their program begins.

  • Fall semester: Coverage begins September 1st and ends August 31st.
  • Winter semester: Coverage begins January 1st and ends August 31st.
  • Spring semester: Coverage begins May 1st and ends August 31st.(must opt into dental)
  • Exchange students: Receive coverage for one semester at a time.

Benefit Year

A benefit year is a period in which eligible students can receive Health and Dental benefits through Canada Life. During the benefit year, eligible students can use their benefits according to the limit amount defined per service. You cannot carry forward any benefits for the next benefit year. The benefit year starts the same day as the effective date of your coverage. The benefits will restart every September 1st as the benefit year ends on August 31st. For instance, if the effective date of your plan is January 1st, your benefit year starts on January 1st and ends on August 31st.

Termination Date

The termination date of your benefits is the last day of the coverage period starting the effective date of the Plan. The termination date is always August 31st with the exception of exchange students. If you want to confirm the termination date of your plan, please contact your Benefit Plan Office at guelphplan@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, students who apply for re-enrolling and family members added to the plan. 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.