+ Full-Time Students

Most full-time students who are members of the Student Union Society (SUS) who begin their studies in the Fall or Winter semester are automatically covered by the SUS Health & Dental Plan. If you are covered, the cost of the Plan will be assessed upon registration for the Fall or Winter semester and will renew at the beginning of the Fall semester.

+ Spouse & Dependant Children

You can extend your coverage to your family (spouse and/or dependent children) by enrolling them in the Plan and paying an additional fee, over and above your individual fee as a Plan member. Common law couples are eligible. See the Couple & Family Enrolments section for details.

+ Indigenous Students

If you are already covered by an equivalent health and dental plan (such as a parent's or spouse’s employee benefit plan, or a plan provided by your band council or through Health Canada), you can combine both plans to maximize your overall coverage and reduce or eliminate out-of-pocket costs. See the Indigenous Student section for more information.

+ Part-Time Students

Part-time students and Full-time students enrolled in the Bachelor of General Studies (Police Option) Degree aren't automatically covered by the SUS Health & Dental Plan. They can enrol themselves in the Plan by completing an enrolment process during the Change-of-Coverage Period and paying the fee. See the Self-Enrolment section for more information.

+ International Students

Eligible international students are automatically covered by and billed for applicable portions of the student Plan. See the International Students section for more information.

+ Sponsored Students

Most sponsored students who are registered full-time are automatically enrolled in the SUS Health & Dental Plan. Please note that sponsorship agencies may choose not to cover the cost of the Plan when paying for your tuition and other student fees.

+ Health Coverage

Empower Me - 24/7 Mental Health Resource

Prescription Drugs - Up to 80% coverage

Studentcare Pharmacy Network - Savings on your out-of-pocket costs

Studentcare Doctor Network - Access your doctor on the go

Health Practitioners - Physiotherapists, chiropractors, massage therapists, and more

Diagnostic Services - Lab tests and ultrasounds used to diagnose an illness

Home Care - Home nurse and tutorial service

Accidents & Emergencies - Ambulance service, travel accident, and dental accident

Medical Equipment - Crutches, wheelchair rental, hospital-type bed and more

+ TRAVEL COVERAGE

Vacations - 120 days per trip and up to $5,000,000 per lifetime

Exchange & Internship Students - Travel health coverage for the duration of an academic exchange or internship

Trip Cancellation - up to $1,500

Trip Interruption - up to $5,000

+ DENTAL COVERAGE

Dental Coverage Chart - $750 per policy year for dental visits

Studentcare Dental Network - 20% off dental services

Dental Accident - Repair/replacement of damaged healthy teeth

+ CAN I OPT-OUT?

If you’re already covered by an equivalent health and dental plan (such as a parent's or spouse’s employee benefit plan, or a plan provided by your band council or through Health Canada), you can opt out and receive a credit to your student account for the amount of the Plan. The British Columbia Medical Services Plan (BC MSP) doesn't provide coverage equivalent to the SUS Health & Dental Plan. Students can't opt out if they're covered only by BC MSP. Please see the Opt Out section and the How to Opt Out section for more information.

+ CHANGE OF COVERAGE PERIOD

The Change-of-Coverage Period for the September 2023 – August 2024 policy is: August 31st to September 22nd.

The Change-of-Coverage Period is the period at the beginning of the semester when you can either opt out or enrol your spouse and/or dependent children in the SUS Health & Dental Plan.

Only SUS members may enrol themselves and their spouse/dependent children in the SUS Health & Dental Plan.

To see this semester’s change of coverage period, visit the Change of Coverage website.

+ How do I know if my opt-out is complete?

Once, the proof of alternate coverage has been reviewed and approved, you will receive an opt-out confirmation email which will also indicate the amount to be refunded as opt-out credit.

+ When do I get my refund?

Opt-out refunds are processed shortly after the Change-of-Coverage period (2 – 4 weeks). As this may occur after the payment deadline set by the University, we advise that students pay the full amount of their tuition fee statement (including the plan fees) while awaiting their opt-out credit, in order to incur late charges.

+ I have done a permanent opt-out, why am I charged the fees to my tuition?

Please be advised that if you have successfully completed a permanent opt-out on file, the plan fee billing on your tuition fee statement is only temporary and will be removed after the next scheduled file exchange with the University.

+ What proof of eligibility is required?

Proof of Eligibility is required for students completing a self-enrolment under the plan. The acceptable proof of eligibility document is a copy of the student’s tuition fee statement showing that they are being billed SUS membership fees for the coverage period in which they would like to enrol.

+ How do I submit Proof of Eligibility?

Proof of Eligibility is submitted via the coverage manager during the self-enrollment process. A window will pop up and the student will be asked to upload the document. Once the document has been uploaded, the student will receive an email informing them that the document is pending review and another email when the document has been approved or rejected.

+ When is the opt-out period??

The opt-out period is the Change-of-Coverage Period where students can opt-out, complete a self-enrollment and/or enrol their spouses and dependents. The Fall Semester Change-of-Coverage Period is from August 31 to September 21 and for new students starting in Winter Semester, the Change-of-Coverage Period will be August 23rd - September 20th, 2023.

+ What are the different ways I can claim?

Once you’ve registered and logged in to the secure site, you can view your claim’s status by selecting “Processed claims” under the “Claims history” section in the menu at the top.

+ Is there a claiming deadline?

NEW - l claims must be received by Desjardins Insurance within 12 months of the date the service was incurred. E.g. If you visit a health practitioner on Sept. 30, 2021, you have until Sept. 30, 2022 to submit the claim for that visit.

+ When can I start using my plan benefits after I arrive in Canada?

If you’re an international student, you must be covered by the British Columbia Medical Services Plan (MSP) or have equivalent coverage. Without BC MSP or equivalent coverage, you cannot make claims for SUS Health Plan benefits.

There is a 3-month waiting period before BC MSP coverage begins for new international students when you first arrive in Canada. During this time, a private basic health insurance plan that is comparable to BC MSP is provided through UFV.

+ Are International students automatically covered?

International students are automatically covered provided they are full time students who are members of the Student Union Society (SUS) and who begin their studies in the Fall or Winter semester.

+ What are the steps to accessing my extended coverage?

The first step is to verify that you’re being billed the SUS Health and Dental Plan fees. Then you need to verify that you are enrolled under provincial coverage (BC MSP or equivalent coverage). You may then visit our website studentcare.ca to obtain more information on your plan, the benefits accessible to you and how to claim for eligible expenses.

+ Do recent graduates still have access to their plan until the end of policy year?

All students who are billed the plan fees will have access to the plan benefits until the end of the policy year (August 31st) even if they graduate during the year.

+ Are Co-op Students covered under the H&D plan?

Co-operative Education students on a work term hold full-time student status and are automatically billed the plan fees in their tuition fee statement. Please verify the plan fee billing on your tuition fee statement at the beginning of the academic year.

+ I am registered for Full-time courses, however if I drop-out and go Part-time will I loose the automatic coverage and need to self-enrol?

Students who become part-time students because of a drop in course load may lose their coverage. However, these students may complete a self-enrollment within 30 days of coverage loss so that they may have their coverage reinstated. Please verify the plan fee billing on your tuition fee statement and contact Studentcare in order to request for coverage to be reinstated.

+ Who is eligible to self-enroll?

Part-time students; Students enrolled in the Bachelor of General Studies (Police Option) Degree; SUS members who are not automatically billed the plan fees in their tuition fee statements; Students who identify as having a disability are recognized by the University of the Fraser Valley (UFV) as full-time students at 6 credits and are eligible to enrol themselves in the Plan at the full-time student rate.

+ How can I enrol myself in the plan?

Eligible students can self-enroll by visiting our website studentcare.ca and accessing the coverage manager during the applicable Change-of-Coverage Period.

+ What proof of eligibility is required?

The acceptable proof of eligibility document is a copy of the student’s tuition fee statement showing that they are being billed SUS membership fees for the coverage period in which they would like to enroll.

+ When will I receive payment instructions for my self-enrollment?

Once the Proof of Eligibility is approved, the student will receive an automated confirmation email containing information on how to complete payment of the plan fees.

+ If I’ve completed a permanent opt-out, can I opt back in?

Yes, students who complete a permanent opt-out of the plan may opt back in during the Change-of-Coverage Period applicable to them. However, these students will be required to pay an administrative fee, which is 50% of the annual plan fee, in addition to the annual plan fee.

+ Can I enrol my family in the plan?

Yes, students who are covered under the UFV-SUS Health and Dental Plan are able to enroll their spouse and dependents under the plan during the applicable Change-of-Coverage period.

+ Can I opt out and enroll my family members?

No, only students who are covered under the plan are eligible to enroll their spouse/ dependents.

+ Will their coverage automatically be renewed each policy year?

No, please be advised that while Full-Time students who are members of the Student Union Society (SUS) and who begin their studies in the Fall or Winter semester are automatically billed and covered by the SUS Health & Dental Plan, coverage for spouse/ dependents is not automatically renewed. Eligible students are required to complete a couple/ family enrollment at the start of every new school year, during the applicable Change-of-Coverage Period and by visiting the below link.

LINK

+ Can I combine my benefits with another plan?

If you are covered by another extended plan in addition to your student Plan (e.g. through a parent's or spouse's employer, or your own employer), you may coordinate the benefits in order to increase your overall coverage, up to 100%.

+ How do I coordinate Benefits with another plan?

A) Coordinating your student coverage with your coverage through a parent's or spouse's plan

1. Make two copies of all applicable receipts. Keep one for your records.
2. Important: send the original receipt(s) along with the appropriate claim form to Desjardins Insurance, the insurer associated with your student Plan.
3. Once your claim has been processed, you will receive a claim statement from Desjardins Insurance. Keep the original for your records. Send the appropriate claim form, along with a copy of the claim statement and a copy of the applicable receipts from Step 1 to the insurer associated with your parent's or spouse's plan.
4. You will receive the applicable reimbursement with another claim statement from that insurer.

B) Coordinating your student coverage with your coverage through your employer

1. Make two copies of all applicable receipts. Keep one for your records.
2. Important: send the original receipt(s) along with the appropriate claim form to the insurer associated with your employer’s plan.
3. Once your claim has been processed, you will receive a claim statement from that insurer. Keep the original for your records. Send the appropriate claim form, along with a copy of the claim statement and a copy of the applicable receipts from Step 1 to Desjardins Insurance, the insurer associated with your student Plan.
4. You will receive the applicable reimbursement with another claim statement from Desjardins Insurance.