Health & Dental Plan F.A.Q.

 

Are there changes to the plan this year?

If you have existing coverage it is critical to complete an Opt Out waiver form before September 29, 2017 for the Fall semester or January 26, 2018 if you start in the Winter term. If you previously opted out of the health and dental plan, your opt out carries forward each subsequent year you at NAIT. You do not have to resubmit an opt out waiver each year. Please check with the NAITSA Service Hub Coordinator if you are unsure about your eligibility or opt in/out status. Fees are $59 for health and $69 for dental per term (total of $128 per term) if you do not opt out.

Who do I contact for eligibility and enrolment inquiries? How do I pay the fee?

Students must contact the Benefit Coordinator in the NAITSA Service Hub, located in room E131, call 780-471-7730 or email studentplans@nait.ca for eligibility and/or enrolment status. The fees for the health and dental plans will be assessed automatically by the institution at registration if you meet the eligibility criteria. You can pay your fees online through your MyNAIT Portal or in person at the Cash Office in the South Lobby on main campus.

Why a health and dental plan?

Costs for dental and health services are at an all- time high and show no sign of reprieve. Students on fixed incomes are especially susceptible to these increases, and the last thing they want to spend these fixed monies on is an unforeseen accident, dental or medical procedure. Putting even routine procedures off can have monumental effects for students, as missing classes or study time can have disastrous consequences. Considering these points, NAITSA has worked to design and implement a reasonably priced health and dental insurance plan. This plan can aid students in maintaining a quality of health, which can ensure that avoidable medical emergencies do not endanger the pursuit of their studies.

Why is the plan mandatory?

NAIT students had voted in favour of adopting a student health and dental plan. For post-secondary students, any fee that is voted in by referendum follows the Post-Secondary Learning Act from the Government of Alberta. With a mandatory plan, the insurance risk is spread over a larger number of students, thereby lowering the cost per student, making the fee in a range that is affordable to students. An individual health and dental plan can cost as much as 5 times the current student fee.

Is this plan the same as my provincial health care?

No. The Health and Dental Plan Plan is an extended health and dental plan, which supplements your existing provincial health care. It DOES NOT replace your provincial health care. Health and Dental Plan are payable after any provincial health care benefits have been exhausted. This plan does not cover user fees.

How do I submit a claim?

You can either mail in a claim form with your receipts to Great West Life, submit the claim online through www.groupnet.greatwestlife.com (no scanning receipts required), or submit it through the mobile phone app – GroupNet Mobile. For instant savings, show your direct billing card (found at www.mystudentplan.ca/nait ) to only pay the small outstanding amounts that are not covered i.e.) pay only 20% for eligible prescriptions at the pharmacy. For step by step instructions, please click here.

What is the blackout period?

New eligible students will be added to the health and dental plan approximately 45 days from the start date of your program. Please keep your receipts for eligible expenses incurred during this time period for submission to the insurance carrier upon completion of the enrolment process. It is also a good idea to book your dental cleanings with our select savings partners after the blackout period is over so you are not out of pocket those expenses, and face a delay in reimbursement. Follow @naitplan on Twitter for the go-live announcement for direct-billing to the insurance carrier.

Who do I contact for claims related issues?

Students must contact Great-West Life customer service directly to inquire about payment status and claims history details. The NAITSA Service Hub does not have access to your claims details. The best way to ask questions about a claim is to call (1-800-957-9777) with your Student ID and your plan number (330823).

What if I already have coverage?

Co-ordination of Benefits:

Benefits under the two plans can be coordinated to increase your coverage up to a total of 100% of the actual expense(s) incurred. For example, following payment under this plan you can submit outstanding balances to the other plan for consideration.

Waiving the Health and Dental Plan:
If you are an eligible student and have comparable health and/or dental coverage you may apply to waive benefits. Each student is given an opportunity to waive benefits under the health and/or dental plan(s) each year. All waiver forms must be completed online (www.mystudentplan.ca/nait) or through the NAITSA Service Hub (Room E-131) and must be received by the applicable deadline.

What if I miss the opt-out deadline?

]You will not be able to opt out of coverage at any other point during the school year. If your program starts in September, you must opt out prior to the September 29, 2017 and if you start in January you must opt out prior to January 26, 2018. The same rule applies for opting in (unless you lose your comparable coverage, see below for loss of coverage information).

NO EXCEPTIONS will be made if the deadline is missed. It is the student’s responsibility to pay the plan fees, should they miss the applicable opt out deadline.

 If you successfully submit your opt out online, you will receive a confirmation email. Be sure to keep your confirmation email.

What if I or my family loses our comparable coverage?

If the comparable coverage used to waive the student plan(s) terminates, or coverage provided to cover your family terminates, you have 30 days from loss of coverage to notify The NAITSA Service Hub in order to be covered under the health and/or dental plan(s) at NAIT. Confirmation of loss of coverage is also required on re-application for coverage. It is your responsibility to complete on individual enrollment form in the office for benefits and provide payment of the family coverage fee prior to the 30-day deadline.

What if I am not eligible for the student plan, and I need coverage?

You can shop around for any health and dental plan that meets your needs. We recommend getting a quote through our insurance partners for the best savings. Visit http://mystudentplan.ca/nait/en/optional-coverage for information and to get a quote.

I just graduated in April, and was on the plan in the Winter term. Am I still covered?

For eligible students starting in the fall semester, coverage begins September 1st and ends August 31st provided there has been no change in your eligibility status from the fall to the winter semester. In cases where there has been a status change, coverage may end December 31st. For eligible students starting in the winter semester, coverage begins January 1st and ends August 31st – a few months of coverage after graduation!

How long does it take for my opt out to be processed?

It usually takes a few business days. Please keep an eye on your Portal to see your fees waived/credited back to you. If you did not receive an automated confirmation email and are still not sure, call 780-471-7730 or email studentplans@nait.ca


 

Still have questions? Feel free to contact us or visit www.mystudentplan.ca/nait