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.

Important Announcement

 

We have framed some general rules and instructions to assist students during the process of opting-in and opting-out. Our health and dental coordinators and executive assistants can be reached out for any inquiry or support that you might need. Please read the below-mentioned guidelines and procedure of opting-in and opting-out carefully.

 

Opt-ins/outs Period: May 11 to June 1

 

Opt-outs: 

  • A student must provide proof of existing alternative insurance coverage. Please note that MCP is not an acceptable form of alternative coverage.

  • Students are required to opt-out from the GSU plan once at the beginning of every academic year following their enrollment semester. For example, if the first semester for a graduate student in Fall, then the student needs to process an opt-out every fall semester. The same is the case with winter and spring semester students.

  • Circumstances under which opt-out can be processed irrespective of the enrollment semester:

    • The student has moved back to the home country due to the current pandemic situation, and the GSU insurance is no longer valid for the student.

    • The student has started working with an employer and getting alternative insurance coverage from the employer within the academic year.

    • The student status has changed from full-time to part-time, and the student has alternative insurance coverage.

  • Once a student has opted out, they cannot opt back in during that same year unless their alternate insurance has been terminated.

 

Procedure:

  • In order to opt-out, click here.

  • PLEASE SELECT GRADUATE STUDENT UNION.  Incorrectly selecting the MUNSU Health and Dental Plan will not opt you out of the GSU Health and Dental plan, and your charges will remain on your account.

  • You will receive a confirmation code on the screen after opting-out. This confirmation is NOT an approval of the opt-out but only an acknowledgement that the opt-out request has been received.

  • You will also receive a confirmation code to the email you provided. If you do not receive an opt-out confirmation email, then contact us immediately to prevent the deduction of the health and dental charges from your student account.

 

Opt-ins:

For the student: 

  • Full-time students need to fill an opt-in form available on GSU website to be added to the plan in a semester beyond your first semester (e.g. if you have previously opted out of the policy); (2) Provide the proof of the termination of their previous insurance plan (if the opt-in period is beyond your first semester)

 

For family members: 

  • Family members can be added to the coverage annually according to the enrollment semester, using the same opt-in form. 

  • Payment for insurance fees of any dependents shall be made the Graduate's Student Union.

  • The amount needed to be paid will be indicated in the opt-in form. 

 

NOTE: 

  • Remember to check your preferred package while filling in the form: Health/Dental/Both.

  • Please keep a copy of your payment made a receipt; it can be a screenshot, transaction statement, etc. 

  • All graduate students are required to keep track of their MUN student financial accounts. You can access your MUN financial account by logging in to the MUN self-service page. We strongly advise students to check their accounts at least twice a semester, once before the deadline for fee payments and again about 6-7 weeks into a semester, to detect any undesired charges.

 

Contact us: health@gsumun.ca; gsu@gsumun.ca

Opt In's/Out's Family Coverage.

"Applications for OPT-OUTS are only accepted from May 11th - June 01st and are only for spring 2020 Enrollments 

 

 

Individual Opting IN's (May 11th - June 01st) (Click here)
 
Opting OUT (May 11th - June 01st) (Click here)
Family Coverage (May 11th - June 01st)  (Click here)

Making Claims/Online Portal (Click here)

 

Benefits 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 an insurance policy, in the mail. You can personalize and print you own insurance card and download a benefits 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 accounts at least twice a semester, once before the deadline for fee 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 its own opt-out procedures and deadlines. For more information, please contact the ISA office: (709) 864-8895 or isa@mun.ca; or check their website.

 

Traveling 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

 

 
 
 
 

The Graduate Students' Union

216 Prince Philip Drive

St. John's Nl A1B 3R5

709-864-4395

© 2019 GSUMUN