Starting September 1st, 2007

The HCSU Benefit Plan

 

BASIC OVERVIEW OF YOUR BENEFITS

 

Health Care Benefit Schedule

 

Provided	%	Benefit Max. (Sept.01-Aug.31)
Drugs	80%	$3,000 per year
Naturopath, Masseur*, Physiotherapist*, Speech Therapist*, Psychologist*, Chiropractor, Podiatrist/Chiropodist	100%	$40 per visit, Max $500 per year
X-Ray Expenses	100%	$25/year per practitioner
Tutorial Expenses (Applies to member only)	100%	$15/hour to $1,000/disability
Accidental Dental	100%	$1,000 per injury
Ambulance	100%	Reasonable and Customary
Durable Medical Equipment & Supplies	100%	$3,000 per year **No Hearing Aids
Accidental Death & Dismemberment	As per schedule	Accidental Death $6,000 Accidental Dismemberment $18,000

*Referrals required
 

Please Note: In the event of any discrepancy between the information herein and the contracts between HCSU/ The Campus Trust  and the Insurance Companies, the terms of the contracts will apply

Watch For More Details To Come

 

Check Back at the Student Union Website at:

www.hcsu.ca

 

WHERE DO I GO FOR HELP?

All further inquiries, after August 31, 2007 should be directed to the Health Plan Administrator at the Holland College Student Union at:

 

  Holland College Student Union

140 Weymouth Street
Charlottetown, PE
C1A 4Z1  

Telephone: 566-9617 or ext 617 within Holland College
 

Prior to September 1, 2007

Call 1 800 563-1930

 

WHERE DO I SEND MY CLAIMS?

You can drop your claims off at the Student Union Office, located at the Charlottetown Center, room 111c (by the Cafeteria).

The Plan Administrator

1st Floor, Beothuck Building

20 Crosbie Place

St. John’s, NL

A1B 3Y8

Telephone: (709) 754-6633

Toll Free: (800) 563-1930

 

YOUR DRUG PLAN

By the way of Vote held in April 2007, the full-time students of Holland College decided on a Student Health Plan to assist and protect all students.

Thanks to your drug plan, you are able to get prescription medication you would otherwise have to pay for out of your own pocket.  To get the most of this benefit, it is important to know about how your drug plan works.  This will prevent delays at the pharmacy.

The HCSU works in conjunction with The Plan Administrator to manage the Health Plan.  The Administrator advises the pharmacy, usually by computer, if your particular prescription is covered by your drug plan.  Keep in mind that there are many types of plans and the pharmacists only knows what the computer tells them about your drug plan.  They are not provided with all the details of your drug plan.

SHOW YOUR STUDENT ID

Show your student ID to your pharmacist when you hand in your prescription.  This is especially important when visiting a pharmacy for the first time.

These cards will be available for pickup at the HCSU Office in mid October.  If you don’t have a card, please contact the HCSU and we will assist you.

 

WHY ARE THE PLANS MANDATORY?

With a mandatory plan, the insurance risk is spread over a larger number of students, thereby lowering the cost per student.  This makes the fee in a range that is affordable to students.  An individual health plan can cost as much as 2 to 5 times the current student fees.

WHAT IF I ALREADY HAVE A HEALTH PLAN?

Any student currently on a comparable Extended Health plan from an employer, spouse or parent may coordinate benefit plans or opt-out/waive this plan.

WHAT IS COORDINATION OF BENEFITS?

If you currently have an Extended Health Care plan, you may use both plans to maximize your coverage.  Simply claim any eligible expenses through your HCSU Health Plan first.  Once you receive your refund and detailed summary, submit the summary along with the appropriate claim form to your other insurer.

CAN I OPT-OUT/WAIVE THE HEALTH PLAN?

Any full-time student on the plan, who has alternate coverage through another provider, may opt-out of the plan.  In order to be removed from the plan and have your fee reassessed, you must complete the waiver form (supplied by HCSU and available online after August 15, 2007) and provide proof of your alternate coverage, on or before the third week from the start date of your program.

A plan card, booklet or letter outlining your coverage from your plan provider is all acceptable proof of coverage.  This protects you and HCSU from insurance fraud.  All information is confidential. 

NOTE – THE HEALTH PLAN IS NOT THE SAME AS PROVINCIAL COVERAGE MEDICAL COVERAGE.  THIS PLAN IS EXTENDED COVERAGE.

 

CAN I ADD MY FAMILY TO THE HEALTH PLAN?

Any full-time student on the Student Health plan may add their dependant(s) to the plan, for an additional fee, during the three weeks from the start date of your program. 

Forms for adding your dependents are available at the HCSU office.

*Dependants refers to spouse or unmarried children under the age of 21 (25 years if regularly attending school) and solely dependent upon the member for support (common-law or same sex relationships are accepted).