Student Health & Dental Plan
After a student referendum, the SAs on both campuses joined forces to provide Lakeland students with a mandatory benefits plan. The goal was a reasonable priced insurance program to help students maintain health care quality and ensure costs from medical emergencies don't endanger their studies.
If you have any questions about the LCSA Benefits Plan, go to the SA office on your campus or check out wespeakstudent.com.
|Explaining the benefits plan|
Why is the plan mandatory?
With a mandatory plan, the insurance risk is spread over a large number of students, the cost per student is lowered, making the fee affordable. Individual health and dental plans can be as much as 5 times more than the current student fee.
Is this plan the same as my provincial health care?
No. The LCSA student benefits plan is an extended health and dental plan. This supplements, not replaces, your provincial health care coverage.
How do I enrol for coverage?
You are automatically enrolled provided you meet the eligibility criteria:
How do I pay the fee?
Fees are assessed automatically at registration if you meet the eligibility criteria.
When does my coverage begin and end?
Eligible students will receive 12 months of coverage staring the first day of the month your program begins.
|How to access your coverage|
|You can download a Benefit Card from the YOUR SPACE page on our website wespeakstudent.com
When you are at the pharmacy or dental office please supply them with the following and they will be able to submit your claim directly to the insurer: Group # , Cert # , Insurer: ClaimSecure.
|What if I already have coverage?|
Coordination of benefits
Benefits under the two plans can be coordinated to increase your coverage up to a total of 100% of the actual expenses incurred. For example, following payment from this plan, you can submit outstanding balances to the other plan for consideration.
Waiving the student benefits
If you are an eligible student and have comparable health and/or dental coverage, you may apply to waive benefits. Go to wespeakstudent.com.
Each student is given one opportunity each year to waive benefits for health and/or dental plans. All waiver forms must be completed through wespeakstudent.com and be received by the deadline for that semester. There will be no exceptions for students who fail to submit their completed waiver form by the applicable deadline.
When waivers are approved, you will receive a refund. Once your waiver has been accepted it will remain in force as long as you are an eligible student.
If comparable coverage used to waive the student plan ends, you have 30 days from the loss of that coverage to notify the SA office to be covered by the LCSA Benefits Plan. Confirmation of loss of coverage is also required on reapplication for coverage.
The same applies if family coverage is lost.
|Can I add my family to the plan?|
Each year you are given one opportunity to purchase family coverage for your spouse* and/or dependents** by completing an application form available at wespeakstudent.com. You also pay a family coverage fee.
All family add-on forms and applicable fees must be received by the applicable deadline. See the website for details.
Your family can only be covered while you are a student on the plan.
Your optional family add-on is not automatically renewed. You must purchase the coverage each benefit year before the deadline.
Family add-on fees are non-refundable.
Spouse means the person who is a resident of Canada and who is married to the student, or a person of either sex who has continuously co-habitated with the student for a period of at least one year and who is publicly represented as the student's husband or wife.
Dependent means an unmarried child who is resident of Canada, and entirely dependent on the student for maintenance and support, and who is:
|How do I make a claim?|
Make a claim online:
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:
|How do I opt out of the plan?|
|Go to wespeakstudent.com to opt out of the plan.
The final deadline for opting out is in late September.
Check the website for the deadlines.