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YOUR HEALTH AND
DENTAL PLAN

Your plan totally has you covered! 

Whether it is monthly prescriptions, a dreaded trip to the dentist, or new glasses to help you see the Powerpoint; the plan provided by the awesome folks over at We Speak Student has you covered! The best part? You get to pick the plan that works best for you, or stick with the balanced plan that has a little bit of everything. Please note, though, this plan is for Domestic students only.

 

Are you an International Student? Please visit: https://www.guard.me/

What are the Plans and Coverage options?

There is 4 Plans to choose from they are:

 

  • Balanced Plan (Auto-Enrolled)

  • Enhanced Drug/Vision Plan

  • Enhanced Dental/Vision Plan

  • Enhanced EHC/Vision Plan

For full details on each plan, and what is covered, download this PDF

Important Dates

Fall – September Start Programs

Semester Start: September 1st

Opt Out Deadline: September 30th by 4:00 pm.
 

Winter – January Start Programs

Semester Start: January 2nd

Opt Out Deadline: January 31st  by 4:00 pm
 

Spring – May Start Programs

Semester Start: May 1st

Opt Out Deadline: May 31st by 4:00 pm

*** You can opt out ONLINE ONLY at https://wespeakstudent.com/home/27-niagara-college  ***

Making a Claim

When making a pay-direct drug or dental claim the pharmacist or dentist will need to know the following plan details:

Your Group/Plan number is: 513980

Your ID/Certificate number is: Y00 (your 7-digit student ID #)

Your Provider is: ClaimSecure *Stop by your NCSAC Office for your 'Benefits Card' *

E - Profile Setup 

Create your Profile account at https://wespeakstudent.com/home/27-niagara-college for faster and more efficient online claim processes. You can easily submit claims, track claims, review claim history and set up direct deposit of your refunds! Note: AD&D claims can only be submitted via paper claims.

FREQUENTLY ASKED QUESTIONS

Am I covered? 

Although you are registered as a full-time student, you may NOT be covered! Co-op terms and program start dates may affect your coverage. Please contact the Student Benefits Coordinator in your NCSAC office to determine your eligibility. The Health Plan is effective September 1, 2023 to August 31, 2024. The effective date for January runs from January 1, 2024 to August 31, 2024. Also, note that the effective date for May runs from May 1, 2024 to August 31, 2024.

What if I am already covered?

You may decline coverage for the Health and Dental benefits by completing the on- line opt-out application. The opt-out deadline is September 30, 2023 at 4:00 pm for September start programs or January 31, 2024 at 4:00 pm for January start programs or May 31, 2024 at 4:00 pm for May start programs. Please be aware that these deadline dates will not be extended. You must provide proof of similar coverage elsewhere (ie. as a dependent under your parent’s or spouse’s insurance). Please go to www.ncsac.ca or www.wespeakstudent.com to complete your on-line opt-out application. Opt out refunds will be credited to the students account no later than November 1, 2023 for fall start students, March 1, 2024 for winter start students and June 30, 2024 for spring/summer start students.

How do I make a drug/dental/EHC claim?

All that is required to use the Pay Direct method, is for the student to present their Niagara College student ID card to the pharmacy or dental office. Your student identification card may be used at any participating provider (pharmacist or dentist) across Canada and payment of eligible claims will be honored. To fill a prescription drug or dental claim, you will need to supply the pharmacist/dentist with the following information:

• Your Group Number 513980.

• Provider: ClaimSecure (formerly RxPlus/Merx Health Corporation).

• Your Student ID # Y00 __ __ __ __ __ __ __ (10 digit alpha numeric number) I.E. If your student ID # is 7 digits, the correct ID # would be Y006543210.

 

 At this point you will be required to pay the deductible amount per prescription. Please note the dental office may charge more than the Fee Guide, which will require you to be responsible for any additional costs. For all non-accidental, EHC claims, you must obtain and complete a ClaimSecure claim form from your NCSAC office or on-line at www.ncsac.ca or www.wespeakstudent.com and include all written referrals and original receipts. You will submit all information to the address indicated on the claim for reimbursement within 90 days of the incurred claim. When so requested by the Company, the student shall secure any further statements from his or her physician within 90 days of the date of the incurred claim.

Can I submit my claims electronically? Can you reimburse my claim using direct deposit?

YES. Once registered, plan members can submit claims electronically if you select direct deposit for claim reimbursements. View personal claims history, obtain details on the reason for particular claim adjustments or rejections, submit coverage queries online – “Ask the Expert”, print individual claims for Co-ordination of Benefits (COB), run consolidated statements for tax purposes, access claim forms and important health information. No application forms to complete, no software, all the plan member has to do is register online by visiting www.wespeakstudent.com. CLICK on the eProfile for Online Claims Submission tab on the webpage.

How do I use the manual reimbursement system?

Prescription Drug, Dental and EHC and Vision Claim Forms are available at your NCSAC office or on-line at www.ncsac.ca or www.wespeakstudent.com. Complete all sections of the form that apply to your claim and once you sign it you can send it along with your paid receipts directly to ClaimSecure at PO Box 6500 Station A, Sudbury, ON, P3A 5N5. It will take approximately 3-4 weeks, depending on mail service, to receive your reimbursement.

Am I covered worldwide?

If you are out of the province or country and you have an accident that requires immediate, necessary medical treatment or you need to obtain a prescription from a qualified physician, you will be required to pay the amount owing at that time yourself and keep all receipts. When you return to the province, you are then required to fill out a manual reimbursement claim form and send it to ClaimSecure (Prescription drug) or Industrial Alliance Insurance and Financial Services Inc. (Accident claim) with the receipts to receive your money back. Please note that you will be reimbursed according to the benefits set up under your health insurance plan no matter where the accident has occurred or where you obtained the prescription. There is no provision for worldwide coverage for the Dental and EHC benefits as these plans only allow Canadian dentists and practitioners. When travelling outside of Canada, you have coverage administered by AIG out of country coverage, through GLOBAL EXCEL. As this coverage is outside of the standard student health plan benefits, please contact your NCSAC office on campus for further details on this coverage and pick up your Medical Assistance Card

 

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