Health and Dental 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:

• you are a member of the SA
• you are a full-time student enrolled in a certificate, diploma or degree program
• you are registered in September, January or March terms
• you live in Canada and you are under age 70

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.

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.

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.

Purchase family coverage

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.

Note:

• 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.

Definitions

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 a resident of Canada, and entirely dependent on the student for maintenance and support, and who is:

• under 21 years of age
• under 25 years of age and attending a college or university
• physically or mentally incapable of self-support and became incapable to that extent while entirely dependent on the student for maintenance and support while eligible under either of the above age criteria

Your student identification card may be used at any participating provider (pharmacy or dentist clinic) across Canada and payment of eligible claims will be honoured.

To fill a prescription drug or dental claim, you will need to supply the pharmacist/dentist with the following information:

• Your Group Number is 550001
• Provider: ClaimSecure (formerly RxPlus)
• Your Student ID # _ _ _ _ _ _ L C S A (List the last 6 digits of your student id number followed by LCSA)
  • Example: if your last 6 digits of your student id number are 654321, the correct ID # would be 654321LCSA

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.

History of the 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 reasonably priced insurance program to help students maintain health care quality and ensure costs from medical emergencies don't endanger their studies.

Access is available by phone, email, chat, text message (SMS), or Snapclarity app.

1. Online go to https://wespeakstudent.com/
• Select Lakeland College in the drop down
• Select the WeConnectSAP Tile from the homepage.
• Sign up using your email and institution code (below) and create a unique username and password. You now have access to the WeConnect Student Assistance Program.
• Code: lakelandc
2. Call or text 1 888 377 0002
3. Download the iConnect mobile app on Google play or Apple store