December 31, 2014

Health & Dental Plans

About the APUS Health and Dental Plans

APUS provides affordable health and dental coverage to part-time students across all three campuses of the University. Depending on your registration, the plans provide extended health and dental coverage for up to 12 months, from September 1 to August 31 annually. The plans cover medical expenses that are not covered by provincial or other health insurance. The plans are supplementary to coverage under OHIP (Ontario Health Insurance Plan) or UHIP (University Health Insurance Plan), not a substitute. Through the health and dental plans, we do our best to provide coverage to address our members’ common health needs. Our health and dental plans are provided through Green Shield Canada, the only national not-for-profit insurance provider in Canada.

Click here for more information about OHIP.

Click here more information about UHIP.

Click here for the Family Opt-in Form.

Click here for the Senior Opt-in Form.

Click here for the Benefits Booklet.

Click here for the Student Online Claims Form.

Click here for the Health Claim Submission Form.

Click here for the Dental Claim Submission Form.

 

Student Card Downloadable Here

 


Frequently Asked Questions

1. Coverage

Our coverage runs for up to one year (September 1 to August 31) maximum.

  • If you are registered for both the Fall and Winter sessions of the academic year, you are covered from September 1, 2017 to August 31, 2018.
  • If you are registered for solely the Fall session, you are covered from September 1, 2017 to February 28, 2018.
  • If you are registered for solely the Winter session, you are covered from March 1, 2018 to August 31, 2018.

2. Rates

All APUS health and dental plan fees are automatically issued through your incidental fees, with exception to senior students (see below). Please visit ROSI/ACORN for a detailed summary. Please note that APUS does not currently collect health and dental fees during the summer session and enrolment in our plans is based on registration in the Fall and Winter sessions only.

The premium rates per session for the 2017-2018 academic year are:

  • Health plan – $59.66/session
  • Dental plan – $49.78/session
  • Both Health and Dental plans – $109.44/session

3. Family/Couple Coverage

APUS members can enroll a spouse/partner and/or dependent children on their plans at the beginning of their first eligible term. All family members enrolled for coverage under this plan must be residents of Canada. For Fall only and Fall/Winter students, the opt-in period is September 1-30. For students who register for Winter only, the opt-in period is January 1-31.

To opt in your family members, please complete and submit the APUS Family Opt-in Form and plan fees to APUS.

4. Senior Students

APUS members who are seniors (between the ages of 65 – 80) have the option of opting in to access APUS health and dental coverage. Senior students are not charged incidental fees upon registration with the University and therefore need to opt into the APUS plans if they wish to access health and dental coverage.

To opt in as a senior student, please complete and submit the APUS Senior Opt-in Form and plan fees to APUS.

5. Benefits

For complete details about your coverage, please access your APUS Benefits Booklet for 2017-2018.

6. Member Discounts

National Student Health Network Discounts

As members of the Canadian Federation of Students, our members have access to a series of health-related discounts. For details, click here.


Dental Discount Network

Our insurance provider, Green Shield Canada, has created a network of dental providers who offer discounts to our members. You are not required to use a network dentist, but doing so can save you money. For details, check out the Student Discounts in the Association of Part-time Undergraduate Students’ page on the Green Shield Student Centre website here.


Optical Retailers

Green Shield Canada has also created a network of optical retailers who offer discounts to our members You are not required to use a network optician, however it can save you money. For details, check out the Student Discounts in the Association of Part-time Undergraduate Students’ page on the Green Shield Student Centre website here.

7. Government Assistance

 New for 2018: Starting on January 1, 2018, the Government of Ontario will launch OHIP+: Children and Youth Pharmacare. The OHIP+ Children and Youth Pharmacare Program will allow children and youth aged 24 and younger to receive free prescription drugs under the Ontario Drug Benefit (ODB) Program. For more information about this program, check out: OHIP+Program.

Ontario Drug Benefit Program: For more information about the ODB Program, visit ODB-Program.

Trillium Drug Benefit: For people who spend approx. 3 to 4% or more of their after-tax household income on prescription-drug costs and who do not already qualify for the Ontario Drug Benefit. For more information, visit: TDB-Program.

8. Claims

To use your APUS health and dental plans, you will need your Green Shield ID Number (or insurance policy number). This number is comprised of “APU”, your student number, and “-00” for the primary plan user (as in you). For example: APU999111222-00. For additional family members and dependents added on the plan, the suffix may be “-01” or “-02”.

Some health and dental providers may be able to submit claims electronically on your behalf. In this case, provide them with your policy number and they can send a claim to the insurance provider for the amount covered by the plan. You will then only need to pay the remaining balance upfront.

You may submit eligible claims online. By creating an online account and submitting claims electronically you are eligible to get your money back faster. Your online account is self-serve and you will be able to review your claims history. For more information about Greenshield Canada online services, check out: Student Claims

Otherwise, please complete one of the claim submission forms below, and you will be reimbursed appropriately by the insurance provider for amounts covered by the plans.

Claim Forms

Health Claim Submission Form

Dental Claim Submission Form

9. Temporary Inactive Period – Lack of Coverage in Fall

If you are currently registered for Fall and in first-year, returning from a leave of absence, or switching from full-time to part-time studies, or opted out of the APUS plan in the previous year, you will experience a temporary inactive period from September to November.

During this inactive period, our insurance provider processes new member information. Until this period ends, the insurance provider cannot process any claims and you cannot register for an online account. If you incur eligible expenses during this period, please keep the receipts for submission at the end of November. As a student registered for Fall, your coverage is backdated to September 1 of the plan year.

New for 2017-2018: APUS is working with Green Shield Canada to shorten the temporary inactive periods so you can access your coverage sooner.

10. Opting Out of Coverage

APUS members may choose to opt out of the APUS coverage. In order to opt out and receive a refund of your health and dental premiums, you must demonstrate proof of alternative coverage. This includes the name of your insurer and policy number. Students need only to apply for an opt-out refund once per academic year in the session in which they are first registered. Once a student leaves the plan, they may only rejoin the following academic year. Opt-out refunds are typically issued by May of every year. Refunds are issued via cheques mailed to the student’s current address on file with ROSI/ACORN. Please ensure your address is up-to-date.

Please note that for Fall-only and Fall/Winter students, the opt out period is September 1-30. For students who register for Winter only, the opt out period is January 1-31.

To opt out of the APUS plans, visit the Green Shield Canada Student Centre webpage here .

11. Travel Insurance

The APUS plan includes emergency travel insurance for 60 days. If you are leaving the country, please make sure to review your travel insurance information in the benefit booklet and contact GSC Travel Assistance Service in advance of your departure.

GSC Travel Assistance: 1-800-936-6226 (in Canada or the United States) or call collect 1-519-742-3556 (when traveling outside of Canada and the United States).

12. Continuation of Benefits after Graduation

Graduating? As a recent member of the Canadian Federation of Students, you are eligible for individual extended health and dental benefit coverage through GSC. This benefit of Federation membership will provide access to life-long coverage at a substantially lower price. For more details, click here.

13. Questions and Assistance

To reach a Green Shield service representative, call 1-888-711-1119 for more information on specific coverage inquiries, remaining coverage, status of claims, or other queries. You can also visit the Green Shield website.

If you are informed by the Green Shield Canada customer representative that you (or a family member) are not covered or you are denied benefits you believe you are eligible for, please contact the APUS Member Services Coordinator at services@apus.ca.

If you do not receive your opt-out refund by May 1, please contact the APUS Member Services Coordinator at services@apus.ca

For other queries, contact the APUS Member Services Coordinator at services@apus.ca.