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Health and Dental Plan
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Appeals Guidelines
At the January 28, 2009 meeting of the MUN Students' Union Board of Directors, a resolution was passed to establish guidelines for Health and Dental opt-out appeals. The guidelines are:
Health and Dental Plan
In the current climate of increasing health care costs, students on fixed incomes are particularly vunerable. Each year, the cost of prescription drugs and basic health services take increasingly large portions out of the limited budgets of many students.
Postponement of necessary but expensive medical procedures can have disastrous consequences and for students may jeopardise the completion of their academic programs. The Students' Union operates group health and dental plans for members to ensure that all students have access to the medical services they require.
All full-time undergraduate students are enrolled in these plans when they register. Fees for the health and dental plans are collected by the University in the fall and winter semester. Because the plans operate on a 12-month basis, students attending Memorial full-time in both the fall and winter semesters are covered until the following August.
Each student covered under the health plan will receive a pay-direct drug card. These cards ensure that students receive benefits when prescriptions are purchased and therefore are not required to submit claims forms. Students should retain this card for as long as they are undergraduate students and remain enrolled in the health plan. Drug cards for those students who do not return to MUN the following academic year will be deactivated on August 31 of that year.
Students already covered under an extended health plan (i.e. a plan other than a provincial health care plan) or dental plan may choose to opt out of the Students' Union plans to receive a refund of health and dental fees. As the Union's plans include benefits specifically designed for students' needs, retaining the coverage will increase total coverage and further reduce health care costs.
To opt out of the health or dental plans, students must complete a waiver form and demonstrate proof of existing coverage. There are two options for opting out of the Health and Dental Plan, either online or in person. To opt-out in person you must present yourself to the Mun Students' Union office (uc-2000), fill out a waiver form and demonstrate proof of alternate coverage in the form of an insurance card, a letter from the employers Human Resource department or a letter from the plan provider indicating existing coverage. Waivers are available at the Students' Union office on the second floor of the University Centre. If you choose to opt-out online, please visit www.munsu.ca and click on the opt-out link on the front page. You can also visit www.heath.ca/students (HEATH not health) and click on Memorial University of Newfoundland.
Once you have read the information, click on the opt-out button at the bottom of the page.
Follow the prompts and ensure that you have your student number and proof of existing alternate coverage handy. Incomplete or inaccurate information will delay your application to opt-out and/or result in an incomplete opt-out.
Once you have completed your opt-out application, you will receive an automatic email from Heath Benefits confirming receipt of your application. Please print off or keep the email for your records.
Please carefully read the disclaimer contained in the confirmation email. Note that incomplete information or errors in the entry of your information may prevent you from receiving your opt-out reimbursement
For complete details about the health and dental plans, drop by the Students' Union office, call the health plan administrator at 737-7633, or send an email to health_plan@munsu.ca
Below you will find copies of claims and opt-out forms in PDF format, which you may download in order to submit to the Students' Union office.
Note: All opt-out forms must be sent in with a copy of proof of coverage (photocopy of card or letter stating proof of coverage).
All opt-out appeals must include a letter explaining their lateness, as well as provide proof of coverage and the completed opt-out form.
All forms must be printed on legal sized paper.
Postponement of necessary but expensive medical procedures can have disastrous consequences and for students may jeopardise the completion of their academic programs. The Students' Union operates group health and dental plans for members to ensure that all students have access to the medical services they require.
All full-time undergraduate students are enrolled in these plans when they register. Fees for the health and dental plans are collected by the University in the fall and winter semester. Because the plans operate on a 12-month basis, students attending Memorial full-time in both the fall and winter semesters are covered until the following August.
Each student covered under the health plan will receive a pay-direct drug card. These cards ensure that students receive benefits when prescriptions are purchased and therefore are not required to submit claims forms. Students should retain this card for as long as they are undergraduate students and remain enrolled in the health plan. Drug cards for those students who do not return to MUN the following academic year will be deactivated on August 31 of that year.
Students already covered under an extended health plan (i.e. a plan other than a provincial health care plan) or dental plan may choose to opt out of the Students' Union plans to receive a refund of health and dental fees. As the Union's plans include benefits specifically designed for students' needs, retaining the coverage will increase total coverage and further reduce health care costs.
To opt out of the health or dental plans, students must complete a waiver form and demonstrate proof of existing coverage. There are two options for opting out of the Health and Dental Plan, either online or in person. To opt-out in person you must present yourself to the Mun Students' Union office (uc-2000), fill out a waiver form and demonstrate proof of alternate coverage in the form of an insurance card, a letter from the employers Human Resource department or a letter from the plan provider indicating existing coverage. Waivers are available at the Students' Union office on the second floor of the University Centre. If you choose to opt-out online, please visit www.munsu.ca and click on the opt-out link on the front page. You can also visit www.heath.ca/students (HEATH not health) and click on Memorial University of Newfoundland.
Once you have read the information, click on the opt-out button at the bottom of the page.
Follow the prompts and ensure that you have your student number and proof of existing alternate coverage handy. Incomplete or inaccurate information will delay your application to opt-out and/or result in an incomplete opt-out.
Once you have completed your opt-out application, you will receive an automatic email from Heath Benefits confirming receipt of your application. Please print off or keep the email for your records.
Please carefully read the disclaimer contained in the confirmation email. Note that incomplete information or errors in the entry of your information may prevent you from receiving your opt-out reimbursement
For complete details about the health and dental plans, drop by the Students' Union office, call the health plan administrator at 737-7633, or send an email to health_plan@munsu.ca
Below you will find copies of claims and opt-out forms in PDF format, which you may download in order to submit to the Students' Union office.
Note: All opt-out forms must be sent in with a copy of proof of coverage (photocopy of card or letter stating proof of coverage).
All opt-out appeals must include a letter explaining their lateness, as well as provide proof of coverage and the completed opt-out form.
All forms must be printed on legal sized paper.
Accidental Dental Claim Form
If you require dental work as a result of an accident, you must submit the form titled, "Dental Care in Case of an Accident". Please include original receipts and retain a copy of all correspondence for your records. The form can be dropped off at the Students' Union office on the 2nd floor of the University Centre or mailed directly to Industrial Alliance.
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All site content is copyright MUN Students' Union 2009 | www.munsu.ca
Suite 2000, University Centre | Memorial University of Newfoundland | St. John's, NL | A1C 5S7
Tel: (709) 737-7633 | Fax: (709) 737-4743
Suite 2000, University Centre | Memorial University of Newfoundland | St. John's, NL | A1C 5S7
Tel: (709) 737-7633 | Fax: (709) 737-4743