Health and Dental FAQ

1. What information do I need to fill out the claim forms beside the receipts?

2. What type of coverage is provided?

3. How much does it cost?

4. Who provides the coverage?

5. Who can be covered by the GSU Health and Dental Plan(s)?

6. When is the deadline to opt out/opt in of the GSU Health and/or Dental Plan(s)?

7. Can I opt back into the Health and/or Dental Plan(s)?

8. How do I opt out of the Health and/or Dental Plan(s)?

9. I have opted out of the plan(s), why am I still being charged graduate health and dental fees?

10. When does my coverage begin?

11. Can I buy coverage for my partner and/or children?

12. How do I find more information?

1. What information do I need to fill out the claim forms beside the receipts?

Policy number: 25650
Patient or ID number: GSU [your 9 digit student number]-00
Travel benefit plan number: 28556323 (This identifies the 60 day travel plan if you need to call in an emergency)

Go to: Green Shield Canada Student Centre

1)Select your school and student union (Memorial University of Newfoundland and GSU).

2) On the top of the page select the “What you need” tab and select “Forms”.

3)You can then select the appropriate claim form. For example, to claim prescription medication - “General”.

4) All you need is to fill in the appropriate sections and send it to Green Shield (address is shown on the form), together with the original pharmacy receipt. Make sure to keep a copy of all documents.

5)You will either receive a cheque for the covered items or, you can set-up automatic payments. You can do this at Plan Member Online Services.

2. What type of coverage is provided?

The GSU Health and Dental Plan(s) provide coverage beyond that provided by basic provincial health coverage (e.g., the Newfoundland and Labrador Medical Coverage Plan [MCP], the Ontario Health Insurance Plan [OHIP], and others).

The plan covers the cost of covered prescription drugs which are prescribed by a licensed doctor or dentist and dispensed by a registered pharmacist. If you have questions about whether or not a specific medication is covered, you can contact Green Shield at 1-888-711-1119.

Basic dental services, such as cleanings*, oral exams, x-rays, fillings, etc are covered at 100%. More comprehensive services, such as root canals, are covered at 10%.

Vision coverage provides up to $150 per 24 month period for prescription glasses or contact lenses. Eye exams are now covered (one every 24 months), for more details please refer to the benefit booklet or call Green Shield at 1-888-711-1119.

The information above is a general overview of some of the popular features of the health and dental plans. For specific benefits information, please read the Outline of Benefits in the Forms section.

*Please see: NOTICE: GSU Health and Dental Plan – Dental Cleaning Coverage

3. How much does it cost?

The annual cost of single student health coverage is $426.92 and dental coverage is $271.28. Health and Dental fees are charged to student accounts as part of MUN registration fees each semester (Health - $142.31 and Dental - $90.43).

It is possible for students to extend their coverage to their partner (including same sex partners) and/or dependent children. These fees are to be paid at the GSU Office once a year, generally in September. For family Health and Dental Plan(s) rates, please refer to the chart below.

4. Who provides the coverage?

Your benefits provider for prescription drugs, extended health and dental services is Green Shield Canada, Canada's only national not-for-profit healthcare insurance provider. By utilizing Green Shield, students are provided low-cost, high quality coverage. Green Shield operates a toll-free number (1-888-711-1119) and website that students have access to 24 hours a day.

Your benefits package also includes accidental death and dismemberment (ADD) benefits and travel benefits, provided by ACE INA Insurance and ETFS/Royal & Sun Alliance Insurance Company of Canada, respectively.

The GSU Health and Dental Plan(s) were originally developed by the National Student Health Network of the Canadian Federation of Students. The Network assists students' unions, including unions that are not members of the Federation, to negotiate health and dental plans with service providers. By Canadian Law, in order to provide insurance you have to negotiate through a broker. Morneau Shepell is the broker for the National Student Health Network and the GSU, in our relationship with the insurance providers.

5. Who can be covered by the GSU Health and Dental Plan(s)?

The GSU Health and Dental Plan(s) are available to all full-time graduate students covered by any provincial health plan. International graduate students covered by MCP have the option of joining the GSU Health plan by opting out of the International Health Insurance Plan provided by the ISA (International Student Advising) office.

Part-time graduate students are not eligible for the GSU Health and Dental Plan(s).

For further information on the emergency health insurance for international students, please contact the International Student Advising Office at (709) 864-8895 or This e-mail address is being protected from spambots. You need JavaScript enabled to view it . Additionally, please visit the ISA health insurance website. For information on the basic provincial health coverage, please visit the Newfoundland and Labrador Medical Care Plan website.

6. When is the deadline to opt out/opt in into the Health and/or Dental Plan(s)?

The deadline to opt-out (with proof of alternate coverage), or opt-in, starting in the Winter 2014 semester is Monday, January 27th 2014.

7. Can I opt back into the Health and/or Dental Plan(s)?

Yes. Should students want to opt back into the Green Shield plan (e.g., because of lapse of existing coverage or a change in student status from part-time back to full-time) they may do so before the opt-out/opt-in deadline of the semester in question by submitting an individual Opt In form. For the possibility of opting in at any other time of year you will need to contact the GSU.

8. How do I opt out of the Health and/or Dental Plan(s)?

Graduate students will be able to opt out of the GSU Health and Dental plan as long as they can provide proof of similar coverage from alternate insurance providers (e.g., a private health/dental card clearly indicating the health and/or dental benefits offered, or a letter from the insurer confirming coverage, quoting policy number and company name). Since Fall 2005 students need to opt-out only once during their program of study providing their student status and/or insurance information does not change. If you go from part-time to full-time, take a leave of absence, leave the country for more etc, you will need to inform the GSU ( This e-mail address is being protected from spambots. You need JavaScript enabled to view it ) and request to be opted-out again.

The opt-out forms are available online for download here. Forms need to be received by the GSU Office by the opt-out deadline in a given semester. Forms can be faxed, emailed, mailed, or brought in-person to the office. The GSU does not have an online opt-out system at this time. If you have opted-out of the plan via an online system, you have likely opted out at MUNSU (for undergraduate students) in error. If you are a graduate student, this will not opt you out of the GSU health and dental plan(s); please contact the GSU office.

9. I have opted out of the plan, why am I still being charged graduate health and dental fees?

Every registered full-time student is automatically charged the GSU Health and Dental fees each semester. The fees are reversed by the Cashier's Office approximately 6 weeks into the term. If the fees are still on your account beyond this time frame, please notify the plan administrator via email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it . In order to avoid late payment fee charges from the university you can pay the rest of your semester fees, MINUS the health and dental fees, by the deadline for fee payment (please check the University Diary). If a late payment fee is still charged to your account it should be reversed at the same time as the health and dental fees, so long as all other fees were paid on time.

10. When does my coverage begin?

The current benefit year is September 1, 2013 to August 31, 2014. Coverage runs from September 1 - December 31 in the Fall semester; from January 1 - April 30 in the Winter semester, and from May 1 - August 31 in the Spring/Summer semester. There is no interruption in coverage between semesters for students continuously on the plan.

Are you new to the GSU Health and Dental plan(s) or, have you recently rejoined? While you will be covered from the beginning of a semester as listed above, you should expect a delay in having your account active with Green Shield Canada of about 5-6 week after the start of a semester. This blackout period happens because we process and submit all the opt-ins at the same time. However, your coverage will be retroactive to the beginning of the semester in question. Therefore, please keep all the receipts for any expense for covered service/medication that you might have incurred during the blackout period, you will be able to claim any covered expense up to one year after the service/expense was incurred.

11. Can I buy coverage for my partner and/or children?

Yes. Eligible students are able to extend their coverage to their partners, including same sex partners, and dependent children. Family coverage is available according to the following fees:

Period of Coverage

Family Coverage Option

Amount

12 months

Couple Health & Drug Benefits (spouse/partner or one child)

$400.28

12 months

Couple Dental Benefits (spouse/partner or one child)

$271.28

12 months

Family Health & Drug Benefits (spouse/partner and children)

$406.28

12 months

Family Dental Benefits (spouse/partner and children)

$406.40

Please note that, the family coverage fees are in addition to your regular single student coverage fee. The family coverage premium (fee) must be paid to the GSU as they will not be automatically charged to your student account.

12. How do I find more information?

Please visit us in the GSU Office, GH-2007, in Feild Hall (above Bitters). You can also reach us at (709) 864-4395 or This e-mail address is being protected from spambots. You need JavaScript enabled to view it . For specific coverage inquiries, contact the Health and Dental Administrator at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

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