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 at your NCSAC office to determine your eligibility.

Part-time students are not automatically covered but may be eligible to opt-in if enrolled in at least 9 credits. Please visit your NCSAC office to determine your eligibility and fill out the opt-in form.

The deadline to opt-in for students on co-op term, part-time, and out-of-sync* is on the following dates:

· Fall term: October 30, 2025

· Winter term: February 26, 2026

· Spring term: June 29, 2026

*An out-of-sync student is a student currently out of sequence with their academic cohort due to having deferred or repeated a semester. As a result, they are not automatically enrolled in the student health benefits plan and must manually opt in to maintain coverage.

Fall start students: September 1, 2025, to August 31, 2026

Winter start students: January 1, 2026 to August 31, 2026

Spring start students: May 1, 2026 to August 31, 2026

You may decline coverage for the Health and Dental benefits by completing the online opt-out application. The opt-out deadline is September 30, 2025 at 4:00 pm for September start programs or January 31, 2026 at 4:00 pm for January start programs or May 31, 2026 at 4:00 pm for May start programs. Please be aware that these deadline dates will not be extended.

You must provide proof of valid alternative coverage to be eligible to opt-out (e.g. as a dependent under your parents' or spouse's insurance).

The following are not comparable benefits and therefore not a valid alternative to the student health plan:

• OHIP or any provincial healthcare plans

• Trillium Drug Program

• Canadian Dental Care Plan

• UHIP

• NIHB

• Travel insurance plans

• Non-Canadian insurance plan

Please go to wespeakstudent.com to complete your online opt-out application. Opt out refunds will be credited to the student's account no later than November 1, 2025 for Fall start students, March 1, 2026 for Winter start students, and June 30, 2026 for Spring start students.

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 online at 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.

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 wespeakstudent.com. CLICK on the eProfile for Online Claims Submission tab on the webpage.

Prescription Drug, Dental and EHC and Vision Claim Forms are available at your NCSAC office or on-line at 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.

Students with band status who wish to opt-out must submit their opt-out application before the deadline (please refer to the Important Dates section). Provide your proof of alternative insurance by entering the following information:

• Your Native Status as your provider

• Your Band Number as your policy

• Your Name as your primary subscriber

The student health plan is only offered to eligible students. Unfortunately, there is no option to add any dependents.

Contact your NCSAC office to check your eligibility or to confirm if you have been enrolled in the health plan.

During the blackout period at the start of the term, students won’t be able to access the online claims submission. You may try logging in or creating an e-profile after the blackout period is over.

If you have confirmed that you are enrolled in the health plan, but you are having trouble logging in or creating an e-profile after the blackout period, please contact the Claimsecure customer service directly at 1-888-513-4464.

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 for reimbursement.

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.