Health Benefits Program

Health Benefits Program

The Student Association offers health and dental plans for full-time domestic and international students enrolled in a post-secondary or ESL program at George Brown College.

Eligibility
Opting out or adding family coverage
Choose your plan
How to submit a claim
International students
Real Campus Student Assistance Program
Eligibility

Domestic students

Domestic students must be registered as a full-time student in post-secondary studies, including the ESL program, with a start date in either September or January.

International students

International students must be registered in a post-secondary program for the Extended Health and Dental and Medical Services (OHIP Alternative) plan. We offer this plan to both full-time and part-time students who are studying during the daytime. Students who are taking continuing education courses during evenings or weekends are not eligible for the international health plan. International ESL students are only eligible for the Medical Services (OHIP Alternative) plan.

Students registered under accessible learning services

Students registered with GBC’s accessible learning services with a reduced course load might not be initially eligible for the extended health and dental plan. If you need coverage, please contact one of the Student Association offices by the opt-in deadlines. Modified Course Load Opt-In Online Application

Transition to post-secondary education program students

Students in the transition to post-secondary education (TPE) program are not automatically eligible for the extended health and dental plan. If you are interested in our coverage please contact one of the Student Association offices by the opt-in deadlines.  T.P.E Student Opt-In Online Application.

Domestic co-op students in the initial semester of your academic year

Domestic students in a co-op placement in the initial semester of your school year are not automatically eligible for the extended health and dental plan. If you are interested in our coverage during your co-op term, please contact one of the Student Association offices by the opt-in deadlines. Co-Op Student Opt-In Online Application

Students who have previously opted-out

Students who have opted out from our plan in the past are not automatically eligible for the extended health and dental plan. If you now need our plan, you will need to contact a Student Association office during the first week of the initial semester for your academic year or within 31 days of the loss of your alternative coverage. Rescind Waiver Online Application.

Opting out or adding family coverage

If you are a domestic student, or already have a plan and do not require any additional coverage, you can opt-out from the extended health and dental plan.

The deadlines to opt-out or add family coverage are:

• Students starting in September: Thursday, Oct. 10, 2019

• Students starting in January: Thursday, Feb. 6, 2020
(Students starting in September are not eligible to opt-out or add any dependents in the winter semester.)

* If you are an international student taking an ESL program, please contact the Student Association office for the family coverage deadline.

Domestic students can opt-out online at wespeakstudent.com.

The plan for international students is mandatory and you cannot opt-out unless you are under a Canadian federal or provincial health plan. If you are an international student taking an ESL program, please contact the Student Association office for the family coverage deadline.

Adding family coverage

Domestic students can purchase Extended Health Plan coverage for family members. International post-secondary students can purchase both OHIP Alternative and Extended Health Plan coverage for family members residing with them here in Canada. To obtain more details about the costs and the necessary forms, please visit one of the Student Association offices as soon as you start your program or visit wespeakstudent.com.

Choose your plan

All full-time domestic post-secondary and ESL students, as well as international students registered in a post-secondary program, are covered under the Balanced Plan automatically, you also have the option of changing your Balanced Plan to the plan that suits your needs the most by the deadline. Once the deadline has passed you are no longer allowed to change your plan. Please note that the plan that you choose is valid for the entire academic year and cannot be changed until the following September.

There are four types coverage to choose from:

  1. Balanced Plan (Automatically enrolled in)
  2. Enhanced Drug Plan
  3. Enhanced Dental Plan
  4. Enhanced Extended Health Care Plan

Depending on the plan you choose, the percentage of the coverage will be different. For example if you choose Enhanced Drug Plan the coverage percentage for medication will be higher than the dental and extended portions.

Please visit the WeSpeakStudent website. to find out more details about your plan.

How to submit a claim

All students under the Extended Health and Dental plan are able to use their insurance once they start school, you need to print out your insurance card online through the WeSpeakStudent website.

1. Visit wespeakstudent.com Select your school, and click on the “eProfile” tile.

2. Click “Register Now”. You must have an active insurance status and valid e-mail address to register.

Your drug, dental, and extended health care claims are paid by ClaimSecure. When making a pay direct drug/dental claim, the pharmacy/dentist will need to know the following:

  • Group Number: 510000
  • Provider: ClaimSecure
  • Your Student ID # _ _ _ _ _ _ _ GBC (The last 7 digits of your student id number followed by GBC)
    Example: If the last 7 digits of your student ID # are 7654321, the correct ID # would be 7654321GBC

Direct deposit is optional. You can sign up any time under “My Account.”

3. You will receive an email confirmation from “eProfile System” containing your login information. Make sure to log into your account within 15 days, otherwise your registration information will expire.

4. You are finished!

Do not use your online profile for the following:
• Hospital & physician visits • Emergency room visits • Walk-in clinic • Blood tests • X-rays & ultrasounds • Diagnostic imaging

These claims must be submitted by mail only. You can download your claim forms at wespeakstudent.com. Please ensure that if you pay any expenses yourself, you obtain original receipts and mail complete forms to the address on the form.

Drug, Dental, Extended Health Claims

These can be submitted online or by mail. If you are mailing your claim, please mail your prescription drug/dental/ extended health care claim directly to the address on the form.

International students under OHIP alternative plan

Mail: Visit wespeakstudent.com and print the form

Please ensure that if you pay any expenses yourself, you obtain original receipts and mail complete forms to the address on the form.

You need to have information below for OHIP alternative plan such as Hospital & physician visits, Emergency room visits, Walk-in clinic, Blood tests, X-rays & ultrasounds, Diagnostic imaging.

  • Group Policy Number: 100011335
  • Provider: Special Markets Solutions
  • Your Certification number of your plan: Your Student ID #

If you have any questions contact WeSpeakStudent at:
Toll Free Help Line: 1-800-315-1108
Email: help@aclstudentbenefits.com
Online Chat: www.wespeakstudent.com

International students

International students in post-secondary programs have two types of health care coverage. The Medical Services coverage (OHIP alternative plan) and the Extended Health Plan coverage is facilitated by We Speak Student. International ESL students only have the Medical Services coverage (OHIP alternative plan) .

Medical Services through We Speak Student

Includes basic medical services such as seeing a doctor in a walk-in clinic, laboratory test, or using the hospital for emergency and/or serious medical issues involving hospitalization.

You can go to: wespeakstudent.com for:

  • The policy
  • Walk-in Clinic list
  • Instructions on how to do direct billing
  • Claim Forms.

Extended Health and Dental coverage

The Extended Health and Dental insurance policy is for services that do not fall under the OHIP Alternative Plan. Services included under this insurance include, but is not limited to:

  • Prescription drugs
  • Prescription eyeglasses
  • Massage therapy
  • Physiotherapy
  • Chiropractic
  • Dental care

Go go WeSpeakStudent to find out more details about the plans for international students.

Real Campus Student Assistance Program

Real Campus provides you with a mix of therapy, virtual doctor visits, lifestyle counselling, courses, tools and events to improve your mental and physical health. As a Canadian or international student at George Brown College, you have access to Real Campus benefits. That means that you have access to therapy, counselling, courses, tools and events to improve your health and wellness. Plus, there’s no additional cost to you! To access Real Campus go to: http://realcampus.ca/georgebrown/

Extended Health and Dental Frequently Asked Questions

Is acupuncture covered under the plan?
Are orthodontics covered under the plan?
Are contraceptives or “birth control” covered under the plan?
Are naturopaths covered under the plan?
Is massage therapy covered under the insurance plan?
How do I find out if a particular medication is covered?
When does my coverage end?
Am I covered if I’m traveling outside Canada?
Is acupuncture covered under the plan?

No, unfortunately acupuncture is not covered under your plan.

Are orthodontics covered under the plan?

No, unfortunately orthodontics is not covered under your plan.

Are naturopaths covered under the plan?

Yes, naturopaths are covered under your plan.

Is massage therapy covered under the insurance plan?

Yes, massage therapy is covered under the plan. Please note that you must obtain a referral note from your family doctor stating that you requires massage therapy otherwise it will not be covered under the plan.

How do I find out if a particular medication is covered?

Please Go to wespeakstudent.com and click on the “check drug coverage” button for more information or call We Speak Student at (416) 216-5735 or Toll Free: 1-888-985-1552 have the medication DIN# (your doctor or pharmacist can provide you with this number).

When does my coverage end?

Regardless of being a September or January start student, your coverage ends on August 31 or upon you withdrawal from the program.

Am I covered if I’m traveling outside Canada?

 Emergency Out-of-Province Coverage and Assistance is provided by AIG Insurance Company of Canada under the policy number: SRG9426406

Frequently Asked Questions for Domestic Students

Are hospital accommodations covered for domestic post-secondary students?
Can I cancel my insurance if I don’t want it?
I applied to opt-out of the plan but I have not received my refund yet?
Are hospital accommodations covered for domestic post-secondary students?

No, hospital accommodations are not covered under this plan. It would be covered under your OHIP.

Can I cancel my insurance if I don’t want it?

Yes, but only if you have alternative insurance coverage from your spouse, your parents, or from your work. The Dental and Extended plan is mandatory and you cannot cancel it without having an equivalent level of insurance elsewhere.
Please note, any opt-out applications will not be accepted after the deadline and students are only eligible to opt-out in the initial semester of your school year.

I applied to opt-out of the plan but I have not received my refund yet?

If you paid your tuition fees in full at the start of the school year and have opted-out, you might receive a refund cheque issued by George Brown College to your mailing address. However, if you paid some but not all of your tuition fees and were able to opt-out, the refund will be deducted from the unpaid tuition fees. In this case, your GBC financial account balance will be less than the previous balance. If you are still unsure, please come to a Student Association office and we will help you find out the status of your refund.

Frequently Asked Questions for International Students

This plan is for international students studying at George Brown College and who are enrolled in a post-secondary program. It is an OHIP replacement plan with medical services, offered under We Speak Student.

What do I have to do when I need to make a medical visit?
How do I claim using your OHIP Alternative Plan?
Can I cancel my insurance if I don’t want it?
What do I have to do when I need to make a medical visit?
  • For non-urgent medical conditions, visit a clinic to avoid long wait times.
  • Before you go, always call the facility to check if you need an appointment.
  • Contact Morcare at 416-216-5735 / 1-888-985-1552 to connect to Intrepid 24/7 to facilitate your access to a provider
  • Bring your wallet card, claim form and student ID to avoid paying up front once Intrepid 24/7 sets up your visit. NOTE – Coverage is up to the benefit maximum. Other fees or costs may apply to you.
  • For a medical emergency, contact Emergency Assistance.
  • If your condition is life threatening, visit a hospital emergency room or call 911
How do I claim using your OHIP Alternative Plan?

These claims must be submitted by mail only.
Your Group Policy Number is: 100011335
Provider: Special Markets Solutions
Your certificate number is your Student ID
You can download your claim forms at www.wespeakstudent.com
Please ensure that if you pay any expenses yourself, you obtain original receipts and mail complete forms to the address on the form.

Can I cancel my insurance if I don’t want it?

No, you cannot cancel your health insurance plan unless you are under the government plan as it is a mandatory fee that is included to your tuition fee. If you are under the governmental plan, such as OHIP, please contact a Student Association office.

Got your own Question? Here are some options:

WeSpeakStudent

Toll Free Help Line: 1-800-315-1108
Email: help@aclstudentbenefits.com
Online Chat: www.wespeakstudent.com

Student Association

Email: healthbenefits@sagbc.ca
Phone: 416.415.5000 Ext. 2443
Or visit any Student Association office.

Still Have Question?

WeSpeakStudent
Toll Free Help Line: 1-800-315-1108
Email: help@aclstudentbenefits.com
Online Chat: www.wespeakstudent.com

Student Association
Email: healthbenefits@sagbc.ca
Phone: 416.415.5000 Ext. 2443
Or visit any Student Association office.

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