GSU Health and Dental Plans
In the current climate of increasing health care costs, students on fixed incomes are particularly vulnerable. Each year, the costs of prescription drugs and basic health services take increasingly large portions out of limited student budgets. Postponement of necessary but expensive medical procedures can have disastrous consequences for students and even jeopardize the completion of their program.
Full-time graduate students are enrolled in these plans when they register, and fees are collected by the University in all three semesters. For an additional fee, students may extend the coverage to their partners, including same sex partners, and their dependent children.
Please Note: All full-time graduate students (including international students that have opted out of the ISA Foreign Health insurance) are automatically added to the GSU Health and Dental Plan(s); UNLESS they submit an Opt OUT form (and supporting documentation) before the Opt OUT deadline in a given semester.
Opt In's/Out's Family Coverage.
"Applications for OPT-OUTS are only accepted until January 31st and are only for Winter 2020 Enrollments
Individual Opting IN's (January 1st - 31st) (Click here)
Opting OUT (January 1st - 31st) (Click here)
Family Coverage (January 1st - 31st) (Click here)
Making Claims/Online Portal (Click here)
Benefit Plan Booklet (Click here)
Tips and Things to Remember
Eligibility: You must be a full-time registered MUN graduate student to be eligible for the GSU Health and Dental Plan(s). All full time graduate students (including international students that have opted out of the ISA Foreign Health insurance) are automatically added to the GSU Health and Dental Plan(s) UNLESS they submit an Opt OUT form (and supporting documentation) before the Opt OUT deadline in a given semester.
Insurance Card: Please note that you will NOT receive an insurance card, or insurance policy, in the mail. You can personalize and print you own insurance card and download a benefit booklet by visiting the Green Shield Canada online student services website. Your plan ID is GSUyourstudentnumber-00.
Alternative Coverage: Opt outs must include proof of existing coverage. If coverage extends past age 25 you must provide proof once again.
Please note that, YOU are responsible for keeping track of your MUN financial account. You can access your MUN financial account by logging in to the MUN self-service page. We strongly advise students to check their account at least twice a semester, once before the deadline for fees payments (usually the first day of classes, please check the MUN diary) and again about 6-7 weeks into a particular semester, in order to detect any undesired charges.
For students that have successfully opted OUT from the GSU Health and Dental plan(s) the fees reversal should be visible in your account by the 6th week in a particular semester. Please contact us immediately if this is not the case.
To Opt In to the Health and Dental Plan(s): Full-time students need to fill in an Opt IN form in order to be added to the plan in a semester beyond your first semester (e.g. if you have previously opted out of the plan). Students that change their student status after the start of their program (e.g. started as a part-time student but is required to change to full-time) need to contact the GSU immediately in order to discuss their options and avoid undesired charges. Paying any Health and Dental fees showing on your account without contacting us is NOT sufficient.
International students: Full-time international students have the option to Opt INTO the GSU Health plan by opting out of the Foreign Health Plan provided by MUN's International Student Advising Office (ISA). You will also need to apply and receive the free basic provincial health coverage (MCP) in order to Opt OUT of the ISA Foreign Health Plan. You can only opt into the GSU plan in September of each year or in the first semester you become a graduate student. Please note that the ISA has their own opt-out procedures and deadlines. For more information, please contact the ISA office: (709) 864-8895 or ; or check their website.
Travelling Abroad: Your benefits include emergency travel insurance for trips lasting up to 60 days, provided by ETFS/Royal & Sun Alliance Insurance Company of Canada (Please see page 23-24 of your Benefits Booklet). Out of the country trips longer than 60 days, you must contact Green Shield to discuss your options.
**Due to restrictions on the MCP out-of-province coverage, international graduate students that are required to travel outside of the province of study for periods longer than 30 days must contact the MCP Office for an out of province certificate.**
Family Coverage: Family members can be added to your coverage annually during the Fall semester registration or, in the first semester of your studies.
Status or Name Changes: You must notify the GSU for status (international student, permanent resident, Canadian citizen) or name changes. We do not automatically have this information.
Part-time students: Are NOT eligible for the GSU Health and Dental plans.
Periods of coverage:
Fall 2019: Begins September 1st, 2019 and ends on December 31st, 2019.
Winter 2020: Begins January 1st, 2020 and ends on April 30th, 2020.
Spring/Summer 2020: Begins May 1st, 2020 and ends on August 31st, 2020.
IF YOU ARE GRADUATING OR PLANNING TO GRADUATE PLEASE MAKE NOTE OF THE ABOVE DATES, AS ANY CLAIMS MADE BY GREEN SHIELD TO YOU AFTER THE 1ST DAY OF A SEMESTER WILL RESULT IN NO FEES BEING REVERSED OFF OF YOUR ACCOUNT. THERE WILL BE NO FEES REVERSED FOR USED PLANS.
If you are a new full-time graduate student or recently rejoined the plan, please remember that although you are also covered for the above periods, it takes 6-7 weeks for Green Shield Canada to have all the new students’ information. Until then, please keep all of your receipts for reimbursement. Shortly after that time, you should be able to avail of direct billing for most services.
1. For general health information, a 24-hour daily phone service: Newfoundland and Labrador HealthLine, toll-free 1-888-709-2929
2. List of physicians in St. John's accepting new patients (telephone recording): Phone the Department of Health and Community Services, (709) 729-4984