Your SCSU Health Dental Plan

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Your SCSU Health Dental Plan Powered By Docstoc
					                                                        CHAnGE	OF	COvERAGE                                                                              Visit       A	WORD	FROM	YOUR	STUDEnTS’	UnIOn                                                                                                     BY	USInG	THE	HEAlTH	PRACTITIOnER	nETWORKS	
                                                                                                                                                                                                                                                                                                                           YOU’ll	HAvE	MORE	MOnEY	In	YOUR	POCKET!
Stay Connected                                                                                                                                                 and follow the 	
                                                                                                                                                        on-screen	instructions
                                                                                                                                                        for enrolments or opt outs.
It’s	Your	Plan	                                         	                 Enrolment                                                                                                   Welcome	to	Your	Plan!                                                                                       vISIT	WWW.IHAvEAPlAn.CA	
                                                                                                                                                                                                                                                                                                  TO	FInD	A	PRACTITIOnER		
                                                                                                                                                                                      For	full-time	UTSC	students	only
                                                                                                                                                                                                                                                                                                  You’re covered for the insured portion of your Plan regardless        Health-Care                                                                        	
Go	online	to	find	out	how	                                                                                                                                                                                                                                                                        of the health practitioner you choose. By consulting a                                                                                              FOR ME
you	can	make	the	most	out                               The	SCSU	Health	&	Dental	Plan	gives	you	the	option	to	enrol	your	family	                                                      To help students pay for the health services they need, a collective health and                                                                                                   networks                                                                         -TI
                                                                                                                                                                                                                                                                                                  Network member, you’ll get additional coverage.
                                                        (spouse	and/or	dependants).	Certain	categories	of	students	may	also	                                                          dental plan has been put in place by your students’ union, the Scarborough
of	your	Plan.	                                          enrol	 themselves.	 For	 details	 on	 eligibility,	 visit	                                                Campus Students’ Union. This group Plan is unique in that it helps fill the gaps                                                                                                                                                                                 U       S
                                                                                                                                                                                      in provincial health care, while offering coverage that is often 3-5 times less
                                                                                                                                                                                                                                                                                                                                                                                                                                                      TUD lY
                                                                                                                                                                                                                                                                                                                                                                                                                            Your SCSU
                                                        Enrolments	must	be	completed	during	the	Change-of-Coverage	Period.                                                                                                                                                                        vISIOn	nETWORK
                                                                                                                                                                                      expensive than other plans. The coverage includes health, dental, vision,                                                                                                                                                                                     S
• Instructions on how to claim
                                                                                                                                                                                      and travel benefits. It covers the unexpected and provides you with preventive
• Deadlines for submitting claims                       Coverage	for	You	and	Your	Family                                                                                                                                                                                                          UP	TO 70%	OFF	COnTACT	lEnSES	AnD	DESIGnER	GlASSES
                                                                                                                                                                                                                                                                                                                                                                                                                            Health & Dental Plan

                                                                                                                                                                                      care services to keep you in good health.
• Plan coverage details                                                                                                                                                                                                                                                                           Save up to 70% at Clearly Contacts, Canada’s largest online retailer of contact
                                                        Enrolment Period for full-time Fall                                               Full-year fee for family                    Since its inception, the Plan has saved its members millions of dollars and has                             lenses and eyeglasses. As a Health Plan member, you can say goodbye to
• Links to important documents, such as claim           Session students: Sept.	1	–	30,	2011                                              (spouse + unlimited number of
  forms and your travel health passport                                                                                                                                               helped tens of thousands of students.                                                                       headaches and eye strain by receiving an additional 10% off selling prices—just visit
                                                        (full-year coverage)                                                              children): $412.92                                                                                                                             and enter coupon code STUDEnTCARE2 at checkout.
• Network offers to save you even more                                                                                                                                                As a full-time student at the University of Toronto Scarborough Campus and a
  money on health-care costs!                           Full-year fee for spouse/partner                                                  Enrolment Period for new full-time          member of the SCSU, you’re automatically covered by the SCSU Health &                                       UP	TO	$150	FOR	PRESCRIPTIOn	EYEGlASSES

                                                                                                                                                                                                                                                                                                                                                                                                                            Your	Student	Plan	
                                                        or one child: $206.46                                                             Winter Session students only:		             Dental Plan.                                                                                                When visiting an optometrist or an optician who is part of the Vision Network, you
                                                                                                                                          Jan.	3	–	17,	2012	                                                                                                                                      save at least 30% on prescription eyeglasses. By combining these savings with your
Watch	the	online	videos.                                                                                                                  (Winter coverage. Fees are                  To minimize paper use and its impact on the environment, this document                                      Plan’s insured coverage of $75 for eyeglasses, you can save up to $150. Vision

                                                                                                                                                                                                                                                                                                                                                                                                                            Offers	Great	Coverage	
                                                                                                                                          available on the website under the          provides a basic outline of the coverage available to you through your student                              Network members also offer savings on the cost of eye exams and contact lenses.
                        My	Privacy.	My	Plan.	           Opt	Out                                                                           Coverage menu)                              Plan. A complete list of benefits and details is available at
                                                                                                                                                                                                                                                                                                  UP	TO	$350	In	COvERAGE	FOR	lASER	EYE	SURGERY	FROM	lASIK	MD

                                                                                                                                                                                                                                                                                                                                                                                                                            at	the	Best	Price
                        Helps pay for health-care                                                                                                                                     Best of luck for a safe and healthy year.                                                                   LASIK MD offers a discount of $50 per eye on Standard LASIK and $100 per eye on
                        costs, while giving you                                                                                                                                                                                                                                                   Advanced Custom Wavefront. This is in addition to the $150 covered by your Plan for
                        complete control.
                                                        If	you’re	already	covered	by	an	equivalent	health	plan	(such	as	a	parent	or	                                                  Pagalavan	Thavarajah	 	           									Ali	lalani	
                                                        spouse’s	employee	benefit	plan),	you	can	opt	out	at                                                                                                                                                                     laser eye surgery. For more information, visit
                                                                                                                                                                                      President                                  Vice President Operations
                                                        and	receive	a	cheque	for	the	amount	of	the	health	portion	of	the	Plan.	                                                       & Chief Executive Officer                  & Chief Financial Officer
                                                        However,	please	note	that	your	student	Plan	provides	certain	benefits	                                                        Scarborough Campus Students’ Union Scarborough Campus Students’ Union                                       DEnTAl	nETWORK
                                                        not	 available	 through	 other	 insurance	 plans,	 such	 as	 vaccinations,	                                                   University of Toronto at Scarborough       University of Toronto at Scarborough
                        next	Stop:	Dream	Trip           vision,	 and	 travel.	 You	 can’t	 opt	 out	 if	 you’re	 only	 covered	 by	 OHIP	
                        Discover the value of           or	 equivalent	 primary	 health-care	 coverage.	 You	 may	 opt	 out	 of	                                                                                                                                                                  80%	TO	100%	In	DEnTAl	COvERAGE
                        your Travel Plan.               the	 Dental	 Plan	 and	 receive	 a	 cheque	 for	 the	 amount	 of	 the	 dental	  	                                                                                                                                                         Your Plan covers 60% to 70% of your dental costs and by visiting a Network dentist,
                                                        portion	of	the	Plan	without	submitting	proof	of	other	equivalent	coverage.	                                                                                                                                                               you will receive an additional 20% to 30% off regular dental services, enabling you to
                                                        Opt	outs	must	be	completed	during	the	Change-of-Coverage	Period.                                                              Your Health & Dental Plan                                                                                   get up to 100% coverage. Some Network dentists also offer a pay-direct service.
                                                        Change-of-Coverage	Period                                                                                                     at	a	Glance                                                                                                 HEAlTH-CARE	nETWORKS
                        Almost	Unstoppable                                                                                                                                            Group	name: SCSU Health & Dental Plan                                                                                                                                                                                                                        4648056
                        Coverage for accidents          Opt outs and enrolments for Fall Session students           Sept.	1	–	30,	2011                                                                                                                                                            By combining your Plan’s insured coverage of $25 per visit for health practitioners
                                                        Opt outs and enrolments for new Winter Session students only Jan.	3	–	17,	2012                                                Group	number	(Health	&	Dental	Benefits): 50143
                        and everyday things.                                                                                                                                          Insurance	Company	(Health	&	Dental	Benefits): Sun Life Assurance Company                                    with the savings offered by Health-Care Network members, you will pay no more than:
                                                                          Detach this section and use this card in conjunction with your student ID card.
                                                                                                                                                                                      of Canada (Sun Life)                                                                                        PHYSIOTHERAPY	nETWORK
                                                                                                                                                                                      Group	number	(Travel	Benefits): 7488                                                                        $20 for the initial assessment and $10 for subsequent visits
                                                                                                                                                                                      Insurance	Company	(Travel	Benefits): Blue Cross                                                             CHIROPRACTIC	nETWORK
                                                                                                                                                                                      For	Information:,1 866 369-8797, or contact the SCSU
                                                                                                                                                                                      for more details                                                                                            $15 for the initial assessment and $0 for subsequent visits
                        Health-Care	networks        1134 St. Catherine Street West
                        How to save even            Suite 700                                                                                                                                                                                                                                     PHARMACY	nETWORK
                        more on your                Montreal, Quebec H3B 1H4                                                                                                          Change-of-Coverage	Period:                                                                                  Dispensing fees for prescription drugs guaranteed at $5
                                                    1 866 369-8797
                        health-care costs.                                                                     If you’re covered, use this card
                                                                                                                                                                                      Opt outs and enrolments for Fall Session students																	 		Sept.	1	–	30,	2011	
                                                                                                     in conjunction with your student ID card.
                                                                                                                                                                                      Opt outs and enrolments for new Winter Session students only          Jan.	3	–	17,	2012                     	
                                                                                                                                                                                      nOTE:	This document is intended as a basic explanation of the benefits available to you through the         1134 St. Catherine Street West, Suite 700
Learn more at                                                                                                                                 Detach	&	        SCSU Health & Dental Plan. It summarizes the important features of your group plan and does not, in
                                                                                                                                                                                                                                                                                                  Montreal, Quebec H3B 1H4                                                                                                                                                                                                                                                                                                                                        
                                                                                                                                                                                      itself, constitute a contract. In accordance with our commitment to sustainability, this document may not
                                                                                                                                                                    Keep	Your	        be printed and mailed in future years. For more information, visit                       1 866 369-8797
                                                    Student’s signature                                                                                        Pay-Direct	Card	
                                                                                                                                                                                                                                                              Need Help ?
                                     HEAlTH	COvERAGE                                                                                                                    TRAvEl	COvERAGE                                                                                                                           	vISIOn	COvERAGE                                                                        DEnTAl	COvERAGE

                                     	                   Up	to	$10,000	in	                                                                                             	                     120	Days	per	Trip		                                                                                                  	             Up	to	$275	in                                                             	                    Up	to	$800	in	

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             Similar to your student Plan, Continuum offers affordable insurance coverage for you and your family. Students that are covered by the
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             SCSU	Health	&	Dental	Plan could benefit from the Continuum Plan without providing proof of good health. Visit the Continuum
                                                         Health-Care Coverage                                                                                                                and up to $5,000,000                                                                                                 	             Vision Coverage                                                           	                    Dental Coverage

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               Will	you	be	completing	your	studies	this	year?	Once	your	coverage	ends,	consider	Continuum.
                                     With	this	collective	approach	to	health	care,	health	benefits	and	                                                                You	are	covered	for	up	to	120	days	per	trip	and	up	to	a	maximum	of	$5,000,000	                                                             Your	Plan	covers	the	cost	of	eye	exams.	You	can	also	get	additional	                    You	 have	 access	 to	 preventive	 care	 with	 a	 plan	 that	 offers	 $800	
                                     services	are	more	accessible	and	more	affordable,	so	that	you	                                                                    per	incident.	Travel	health	coverage	includes	hospital,	physician,	and	other	                                                              coverage	through	the	Studentcare	vision	network.                                        coverage	 for	 dental	 visits	 per	 policy	 year.	 Your	 Plan	 covers	 60%	
                                     can	get	the	treatment	you	need.                                                                                                   services	for	emergency	treatment	of	an	injury	or	illness	while	travelling	                                                                                                                                                         to	70%	of	your	dental	costs.	You	can	also	get	additional	coverage	

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Plan	designed	for	students	who	will	be	completing	their	studies	this	year.
                                                                                                                                                                       outside	of	the	province	in	which	you	reside	(including	international	travel).	                                                             $50	per	2	policy	years	for	eye	exams                                                    through	the	Studentcare	Dental	network.
                                     Prescription	drugs:	100%,                                     • Visits to registered dieticians,                                  Please	note	that	travel	health	coverage	does	not	apply	to	international	

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            An affordable health, dental, vision, and emergency travel assistance insurance	
                                     up to $5,000 per policy year.                                 massage therapists, and                                             students	travelling	to	their	home	country.                                                                                                 $75	per	24	months	for	new	or	replacement	eyeglasses	                                                                                                Insured                Dental Network                       Total
                                     The dispensing fee is limited                                 acupuncturists require a                                                                                                                                                                                       or	contact	lenses                                                                                                                                   Portion                   Savings                         Coverage

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        THE CONTINUATION OF AFFOrDABLE INSUrANCE COVErAGE
                                     to $5 per prescription or refill.                             referral by an MD                                                   Trip	cancellation: up to $1,500                                          120 days after the end of their exchange or                                                                                                                   Preventive	Services
                                                                                                                                                                       per trip for pre-paid, non-refundable                                    internship as long as they remain covered                         $150	per	24	months	for	laser	eye	surgery                                                    recall exams, cleaning,
                                                                                                                                                                       trip expenses in case of a medical                                       for the applicable policy years. You	must	                                                                                                                    polishing, x-rays, fluoride, scaling,                   70%                           30%                          100%
                                     vaccinations:	100%, up to $150                                For a list of health practitioners                                                                                                                                                                                                                                                                         extraction of impacted teeth
                                     per policy year. Gardasil is also                             covered by the Plan, visit                                          emergency.                                                               notify	before	
                                     covered at 100% for an additional                                                                                                                                              leaving	on	an	exchange.
                                                                                                                                                                       Trip	interruption: up to $5,000 in
                                     $150 per policy year. The dispensing                                                                                              case of a medical emergency for each                                     Anywhere	in	the	world: in addition
                                                                                                                                                                                                                                                                                                                                                                                                              Basic	Services
                                                                                                                                                                                                                                                                                                                                                                                                              root planing, fillings, oral surgery
                                                                                                                                                                                                                                                                                                                                                                                                                                                                      60%                           20%                           80%
                                     fee is limited to $5 per vaccination.                         Other	health	benefits:                                              trip you take during the policy year.                                    to travel health coverage, your health
                                                                                                   Medical equipment, diagnostic

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        OnCE	YOUR	STUDEnT	PlAn	EnDS		
                                                                                                                                                                                                                                                and dental benefits can be used                                                                                                                               Major	Restorative
                                     Health	practitioners	                                         services, dental accident, tutorial                                 Exchange/internship	students:                                            anywhere in the world.                                                                                                                                        crowns, bridges, posts
                                                                                                                                                                                                                                                                                                                                                                                                                                                                  not	Covered                       20%                           20%
                                     (physiotherapists,	chiropractors,	                            benefit, ambulance, and more...                                     students who are leaving on a
                                     massage	therapists,	etc.):		                                                                                                      recognized academic exchange or who                                      Before	leaving: if you’re planning
                                                                                                                                                                       are participating in an internship as part                               to travel, download a Travel Information                                                                                                                  visit	for	complete	details.
                                     • $25 per visit, $500 per category of                                                                                             of their studies can benefit from travel                                 Brochure at for
                                     practitioner per policy year                                                                                                      health coverage for the duration of the                                  complete details on restrictions, benefits,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No Medical
                                                                                                                                                                       exchange or internship, as well as for                                   coverage, and telephone numbers for                               Already Covered by Another Plan?                                                        Use	Your	Pay-Direct	Card	

                                                                                                                                                                       the first 120 days of their trip and for                                 emergency assistance.
                                     Your Health Plan covers up to $10,000 in health-care coverage per policy year.
                                     For	a	complete	list	of	benefits,	maximums,	and	details,	visit                                                  Similar	travel	plans	can	cost	over	$500.	visit	to	compare.
                                                                                                                                                                                                                                                                                                                  Weigh	the	Costs	and	Benefits                                                            for	Prescription	Drugs
                                                                                                                                                                                                                                                                                                                  Your student Health & Dental Plan may provide better value:

                                                                                                                                                                                                                                                                                                                                                                                                          By presenting the Pay-Direct Card with your valid student ID card, you can fill

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       No Long
                                                                                                                                                                                                                                                                                                                                                                                                          your prescriptions at most Canadian pharmacies. The pharmacist will be able to

                                     Health & Wellness Centre                                                                                                          Your Policy Year & Fee                                                              Cover the ones you love. See                                                                                                                   process the claim immediately, so you won’t have to pay the full amount up front

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Discover Continuum
                                                                                                                                                                                                                                                                                                                      • Being enrolled as a dependant      • Most plans don’t cover                       and wait to be reimbursed.
                                     Your	Medical	Clinic	on	Campus                                                                                                     57¢	per	Day

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             website for full details on coverage and eligibility.
                                                                                                                                                                                                                                                           ‘Enrolment’ on the other side.
                                                                                                                                                                                                                                                                                                                      in a parent or spouse’s employee     vaccinations, which may be

                                                                                                                                                                                                                                                                                                                                                                                                          Use of this card authorizes Sun Life and, their agents and service providers to collect,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No Blood
                                                                                                                                                                                                                                                                                                                      benefit plan usually requires your   mandatory for your academic

                                     The Health & Wellness Centre is your convenient and                                                      Have	a	smart	            If you are automatically enrolled, the cost of the Plan is part of your student fees.                                                                                                                                              use, and disclose information about me, my spouse, or dependants to any person or organization including
                                     confidential medical clinic on campus. Students can reap                                                 phone	with	                                                                                                                                                             family member to pay additional      program.                                       the pharmacy, health-care practitioners, institutions, investigative agencies and insurers for the purposes
                                                                                                                                              a	QR	code	
                                                                                                                                                                       You’re responsible for verifying if you are automatically covered by checking your                                                             costs to have you covered.                                                          of underwriting, administration, audit, paying claims, and patient safety. If I am a spouse or a dependant,
                                     additional savings off the cost of oral contraceptives                                                                            tuition statement or by visiting
                                     when purchased from the Health & Wellness Centre on                                                      reader?	                                                                                                                                                                                                     • You may want to check your                   my information will be shared with the Plan member. To review Sun Life’s privacy policy, visit
                                     campus. Currently, the Health & Wellness Centre dispenses                                                Scan the box to the                                                                                                                                                     • Coverage under most parents’       current coverage. By combining
                                                                                                                                                                                                               Fall 11 Fee            Winter 12 Fee (including summer months)                 Total

                                                                                                                                                                                                                                                                                                                                                                                                                                                      Detach this section and use this card in conjunction with your student ID card.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             For	future	graduates
                                                                                                                                              left to be directed to
                                     oral contraceptives at up to 25% off of the original cost                                                your Plan’s website.                                                                                                                                                    plans ceases once you are no         both plans, you can maximize your

                                     (prices subject to change without notice).                                                                                              Health                            		$47.11               		$47.11                                                		$94.22                longer a full-time student or when   overall coverage—up to 100%—
                                                                                                                                                                             Dental                            		$56.12               		$56.12                                                $112.24                 you turn 26.                         and eliminate out-of-pocket costs!
                                     For more information: (416) 287-7065 / Student Centre, room SL-270                                                                                                                                                                                                                                                                                                                                                SCSU                                                        Sun	life	Assurance	
                                                                                                                                                                             Health	&	Dental                   $103.23                $103.23                                                 $206.46                                                                                                                                                  HEALTH & DENTAL PLAN
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   Company	of	Canada
                                                                                                                                                                                                                                                                                                                      • Most private plans offer limited   The Member Services Centre is                                                               Pay-Direct Card
                                     OUR	EnvIROnMEnTAl	COMMITMEnT	On	PAPER                         Every ton of rolland Enviro 100 Print paper used in place                                                                                                                                                                                                                                                                                                                                                       Information for the pharmacist:
                                                                                                                                                                                                                                                                                                                      to no travel coverage. Your          there to assist you. Give us a call

                                                                                                   of virgin paper helps our environment in the following ways:                                                                                                                                                                                                                                                                                        Group number: 50143                                         Please access the «ASSUrE» system
                                     This document contains 100% post-consumer fiber,
                                                                                                                                                                                          SCSU Health & Dental Plan: $206.46                                                                                          student Plan covers you for          at 1 866 369-8797 if you would like

                                     Certified EcoLogo, Processed Chlorine Free and FSC recycled   »» Saves the equivalent of 17 mature trees                                                                                                                                                                                                                                                                                                                                                                      and enter in the following information:
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   Carrier no 16, group number 050143,
                                     Manufactured using biogas energy                              »» reduces solid wastes by 490 kg
                                                                                                   »» reduces the quantity of water used by 46,352 litres
                                                                                                                                                                                                                                                                                                                      120 days per trip and includes       more information on combining plans.                                                                                                                    student ID number: 0 (9-digit student
                                                                                                   »» reduces air emissions by 1,076 kg                                                                      Employee Plan *: $619.00                                                                                 coverage for trip cancellation and                                                                                                                                                           ID number) 01

                                                                                                   »» reduces natural gas consumption by 70 m3 by
                                                                                                      using biogas
                                                                                                                                                                                                                  Private Plan *: $906.00                                                                             trip interruption. Similar travel                                                   Detach	&	

                                                                                                                                                                                                                                                                                                                      plans can cost over $500.
                                                                                                                                                                                 * This comparison comes from research conducted by and represents the average cost for equivalent plans.                                                                                           Keep	Your	
                                                                                                                                                                                                                                                                                                                                                                                                          Pay-Direct	Card	                  
                                                                                                               Need Help ?                                                                                                                             Need Help ?                                                                    Need Help ?

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