Established by student referenda, the University of Victoria Students’ Society (UVSS) Health & Dental Plan is extended health and dental coverage designed specifically for students to cover expenses not covered by the Medical Services Plan (MSP) for BC residents and other basic health-care programs.
Students who are members of the UVSS and who are registered in at least 3 units of designated on-campus classes in September or January, including co-op and distance students, are automatically covered by the UVSS Health & Dental Plan.
Among other benefits, the Plan covers:
– Up to 80% for prescription drugs (including oral contraceptives) and vaccinations
– 80% for health practitioners (psychologists, massage therapists, physiotherapists, chiropractors, etc.)
– Vision care (over $325 for eye exams, eyeglasses, contact lenses, laser eye surgery)
– Dental care ($850 for checkups, cleanings, fillings, extractions, endodontics, periodontics, etc.)
– Travel health coverage ($5,000,000 per incident, 120 days per trip), trip cancellation and trip interruption in the event of a medical emergency.
How Much does it Cost?
The total cost of the Plan is $288.00 for students starting in September ($144.00 for Health coverage and $144.00 for Dental coverage). The policy year is from Sept. 1, 2015 to Aug. 31, 2016. Students beginning in January 2016 will be assessed $192.00 for coverage from Jan. 1 to Aug. 31, 2016. The cost of the Plan is automatically included in your tuition and other fees.
Can I Change my Coverage?
If you are covered by another extended health and/or dental plan (i.e. parent’s or spouse’s employee plan), you can combine both plans to maximize your overall coverage and reduce or eliminate out-of-pocket costs.
Alternatively, if you have other equivalent coverage, you can opt out of the health portion, the dental portion, or the Plan in its entirety during the Change-of-Coverage Period from Aug. 22 – Sept. 22, 2015 for 1st Term students, and from Dec. 22, 2015 – Jan. 22, 2016 for 2nd Term students. You will receive a credit to your student account for the amount of the Plan.
If you are eligible, the Change-of-Coverage Period is also when you can enrol yourself, your spouse and/or dependent children in the Plan. Only new 2nd Term students can enrol themselves and their spouse/dependent children between Dec. 22, 2015 – Jan. 22, 2016 for coverage from Jan. 1 – Aug. 31, 2016.
How Can I Save More?
You can further enhance your benefits by visiting health professionals who are members of the Dental, Vision, Doctor, Psychology, Chiropractic, Physiotherapy or Massage Therapy Networks. You are covered for the insured portion regardless of the health professional you choose. By consulting a Network member, you will get additional coverage.
What if I miss the opt-out deadline?
If you’ve missed the opt-out deadline, you may pick up an appeal form at the SUB Info Booth or download the form here: HealthAppealWinter 2015.
Please note however, that appeals are only granted under exceptional circumstances.
All appeals must include your proof of alternative coverage. Filing an appeal does not guarantee an opt out.
Drop off your completed appeals form at the SUB Info Booth or email the form (and supporting documents) to firstname.lastname@example.org.
What if I’m not an undergraduate student?
Graduate students are represented by the Graduate Students’ Society (GSS) and not enrolled in the UVSS Health and Dental Plan. Graduate students can access more information about their plan at gss.uvic.ca.
Year 3 and 4 Island Medical Program students are not automatically covered by the UVSS Health & Dental Plan but have the option of enrolling at ihaveaplan.ca.
Who Can I Speak to About my Plan?
Information is available online at www.ihaveaplan.ca or by calling the Studentcare Member Services Centre at 1 877 789-8714, Mon. – Fri. from 9 am to 5 pm.
Check out the StudentCare office in SUB B102. Open during the months of September and January.