Health, Dental & Vision Coverage
Looking for what is covered by your Student Health and Dental Plan? Visit www.mystudentplan.ca/nait
Please visit the NAITSA Service Hub Coordinators located in Room E-131. We provide health and dental coverage to over 6,400 students each year, and it’s our duty to assist you in completing all proper documentation (to opt-out or opt-in to the plan), and to answer all your questions.
About Health & Dental Plans
If you are a student enrolled in a credit class that starts prior to September 28, 2018 in the fall term, or a class that starts before January 25, 2019 in the winter term, you are automatically assessed the fees for the Student Health and Dental plan, and are automatically enrolled in the plan! All credit students are assessed these fees, regardless of whether they are part time or full time students.
Health Plan fee: $126 per academic year and is charged in two payments of $63.00 per fall and winter semester
Dental Plan fee: $138 per academic year and is charged in two payments of $69.00 per fall and winter semester
Health & Dental fees are not charged to students enrolled in Spring or Summer classes.
Who is assessed Health & Dental Fees?
All students accepted into a credit program, including degree, academic upgrading and open study students.
The fees are charged to all credit students regardless if they are taking 1 class, an evening or weekend class, or full time classes.
Fee is assessed to full and part time students. (Excluding students who ONLY have online/distance courses)
Students must be in a class in the Fall and/or Winter term that starts prior to the opt-out deadline. Fall term, September 28, 2018 deadline. Winter term, January 25, 2019 deadline.
Not Eligible: non-credit programs, students 100% online, auditing + apprentice students.
Opting Out of the Health and/or Dental Plan
- Deadline for opt-out, opt-in, and family add on (September intake): Friday, September 28, 2018
- Deadline for opt-out, opt-in, and family add on (January intake): Friday, January 25, 2019
i. If you have comparable coverage through another insurance carrier (BlueCross, Great West Life, Manulife etc.) and you would like to opt-out of the benefits, you must fill out the online waiver form with proof of comparable coverage before the given deadline date.
ii. If you are a September start student, you cannot make changes to the plan in January. For instance, if you started in September and missed the opt-out deadline, you cannot opt-out in January.
iii. Please Note: Provincial Health Care is NOT comparable coverage.
Opting Out Online
When you opt out online at www.mystudentplan.ca/nait you will receive an automated email confirmation when your online opt out request has been successfully submitted. This does not mean that it has been processed yet. Be sure to keep your submission confirmation email – this is your ONLY proof that you have submitted your Opt Out online.
You may be selected and contacted for an online Opt Out audit of your coverage details. Please visit mystudentplan.ca/nait/en/terms-and-conditions for the Terms and Conditions regarding Online Opt Outs.
You will NOT be notified once your Opt Out has been processed – please check your NAIT Portal to see your fees waived or credited back to you. To confirm your refund, please contact the NAIT Student Success Contact Centre at 780-471-6248.
If you pay your tuition online through the MyNAIT Portal, leaving the boxes next to the Health and Dental fees blank (or inputting zeros) does not automatically opt you out or remove the fees. (Like a credit card statement, not paying the fees does not remove the fees. Only submitting the Opt Out before the applicable deadline will remove the fees from your Portal once your Opt Out is processed.)
There will be no exceptions if the deadline is missed, and you would be required to pay the student Health & Dental fees.
If you previously opted out of the health and dental plan, your opt out carries forward each subsequent year you are at NAIT. You do not have to resubmit an opt out waiver each year.
Opting In or Loss of Coverage
If you’ve previously opted out of the student plan and have lost your alternate coverage, you have 30 days from the loss of coverage to opt back into the student plan in room E-131.
If you opted out previously, and now you want to opt in, you need to come to the NAITSA Service Hub prior to the deadline to sign some paperwork and have the fees re-added to your NAIT Portal. If you miss opting in, you will not be able to opt in until the next benefit year.
If you are a September start student, you cannot make changes to the plan in January.
If you switch programs, please alert the NAITSA Service Hub immediately to ensure our records are up to date.
Eligible students on the plan can purchase coverage for their spouse and/or dependent(s) who are under the age of 21 or up to the age of 25 if still in school full-time.
The student must complete a Family Add-on form prior to deadline and pay the additional fees. The NAIT student requesting the Family Add-on coverage must be eligible for the Health and Dental coverage themselves.
If you miss the family add on deadline, you will not be able to add your family until the next benefit year.
For more information regarding Family Add On costs, please visit http://mystudentplan.ca/nait/en/family-coverage, call 780-471-7730, or visit our office at E-131 for more information.
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 (like changing eligible programs or entering co-op or online terms), coverage may end December 31st. For eligible students starting in the winter semester, coverage begins January 1st and ends August 31st.
Since the Health and Dental fees are not charged to students in Spring and Summer courses, the only way to have coverage during the summer months is to be eligible in the Winter term.
New eligible students will be added to the health and dental plan approximately 45 days from the start date of your program (this is called the Blackout period because students are not active on the plan and can’t make claims or direct bill yet).
Please keep your receipts for eligible expenses incurred during this time period for submission to the insurance carrier upon completion of the enrolment process.
We will announce when the plan is active on MyNAIT Portal, Twitter @naitplan, and with posters around the school.
Returning eligible students may continue to access the health and dental plan without disruption by using their current myBenefits Card or by submitting reimbursement claims directly to the insurance carrier.
The student benefit fees detailed herein are subject to change as only an estimate could be provided at the time of printing. Any changes to the above will be communicated to the students after they are finalized.
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 28, 2018 for the Fall semester or January 25, 2019 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 $63 for health and $69 for dental per term (total of $132 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 firstname.lastname@example.org 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 in person at at the Student Service Centre in the CAT Building.
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.
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 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 28, 2018 and if you start in January you must opt out prior to January 25, 2019. 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 email@example.com.