Health and Dental

YFS Members' Health & Dental Plan

The York Federation of Students offers a very comprehensive student health and dental plans in all of Canada. The Plan covers extended health and dental insurance all at a low cost to you. Most full-time undergraduate students are automatically enrolled in the plan, however students should always check their Student Account Statement to confirm enrollment before seeking undergoing treatments or purchasing services and medications. If you have comparable insurance, you can coordinate your benefits or opt-out for a refund!

Note: After completing the online opt out, you will receive an e-mail indicating that you completed the opt-out process including an application number. If you do not receive an e-mail, it means that your application did not go through or was not successful.Please take a look in your spam folder of the email account you used when completing the online opt-out form.

Keep that e-mail and wait until the December 16 statement. The plan fee will be reimbursed to your student account around November 16, 2017. If you have already paid the YFS Health & Dental Plan levy, you can Request a Refund online on the Student Financial Services page. If you have not yet paid the YFS Health & Dental Plan levy the amount will be reversed into your York University Student Account Statement.

Opt in/out date and deadlines for 2017/2018:

reminder: the opt out link is now closed to fall/full-year students  

important note: The winter deadline is only for students who did not attend their studies in the fall semester of 2017.

The deadline for the Fall semester is Sunday, October 15, 2017. 

The deadline for students beginning their studies in the Winter semester is Saturday, February 10, 2018.

HOW TO OPT OUT INSTRUCTIONS - CLICK HERE

 

CONTACT:

Health & Dental Office        healthplan@yfs.ca       416.736.2100 ext. 58066



Benefits

VISION CARE

$100/ 24 month based on first paid claim

EYE EXAM

$65/24 months based on first paid claim (Students who are 19 years or younger must use OHIP)

DENTAL

75 % up to a maximum of $500

PRESCRIPTION DRUGS

80 % up to a maximum of $1,000

NON-ORAL CONTRACEPTIVES

Including IUDs, the patch and Nuvaring

ORAL CONTRACEPTIVES

The following professional visits below are $25 per visit up to $300 per benefit year.

  • Osteopathy
  • Dietician
  • Chiropractic Care
  • Naturopathic care (remedies not included)
  • Physiotherapy
  • Acupuncture
  • *Massage Therapy* (medical referral required)
  • *Psychologist* (medical referral required)
  • *Speech Pathology* (medical referral required)

ORTHOTICS

100% up to $200/24 month based on first paid claim (when prescribed by your attending physician, podiatrist or chiropodist)

CHIROPODY/PODIATRY

(foot care professionals) at $25 a visit, up to $300

*Podiatry services are not eligible until the provincial health insurance plan (OHIP) annual maximums have been exhausted.

**Nurse Attendant ** up to $2,500 per benefit year** (medical referral required)

**Accidental Dental ** up to $2,500 per benefit year** (Dentist predetermination required)

*** to see a full listing of all benefits for the YFS Health and Dental Plan, please download the "My Benefits Plan Booklet" found below***

Co-ordination of Benefits (COB)

If you are covered for extended health and dental benefits under more than one plan, your benefits under this plan will be coordinated with the other plan so that you may be reimbursed up to 100% of the eligible expense incurred.

Claims must be submitted to the primary payor first. Any unpaid balances should then be submitted to the secondary plan(s).

As a Green Shield plan member, your student plan is always your primary plan. Submit your claims to Green Shield first and if you have a balance remaining, you may submit it to the secondary carrier(s) or benefit plan(s), if applicable, such as a parental plan.

In order to access, My Benefits Plan Booklet please click the "download" button below to access the document.

 

General FAQs

Full-Time Student Fee: Undergraduate students taking 15 or more credits between fall and winter semesters. $254.52 is charged per individual student for the 2017-2018 benefit year (please note that this is the total cost for 12 months of coverage). This is NOT a monthly rate.

Part-Time Student Fee: Undergraduate students taking 12 or fewer credits between fall and winter semesters. $647.40 is charged per individual student for the 2017-2018 benefit year (please note that this is the total cost for 12 months of coverage). This is NOT a monthly rate. 

To add family members onto your coverage, you need to come into the Member Services Office in room 106 Student Centre to fill out a form and provide proof of your relationship with the dependent. The deadline for the fall semester is , October 12, 2017. The deadline for the winter semester is , February 8, 2018.

To add one or more dependent(s)/family, there is an additional amount to be paid on top of the INDIVIDUAL plan fee. Please see the pricing list below.

Documentation Required:

For Children :Proof required, e.g. Birth Certificate, Canada Permanent Resident (PR) Card etc.

Spouse: includes common-law and same sex spouse. Proof required, marriage certificate.
Other proof that is acceptable can be a Notice of Assessment (NOA) from Revenue Canada for the previous year/s. 2016, 2015 etc. Official documentation with both names (common), for example a lease dated three or more years prior to current benefit year 2017-2018 etc.

Full-Time Student Fees: (Method of payment is cash/debit only) $254.52 is charged to all students or to individual student who enrols manually. $241.56 to add ONE dependent (note: this is in addition to $254.52 paid as a student) $358.68 to add more than one dependent (note: this is in addition to $254.52 paid as a student)

Part-Time Student Fees (Method of payment is cash/debit only): $647.40 is charged per individual student to enrol as a part-time student. $633.60 to add ONE dependent (note: this is in addition to $647.40 paid as a student) $948.12 to add more than ONE dependent (note: this is in addition to $647.40 paid as a student).

Please note that each dependent gets the same amount of coverage such as same services and products. Definition of Dependents: Children: biological, adopted/legal guardian under 24 and in school full-time. 

When the health plan was first created, students voted for a mandatory system. The health plan is mandatory because the cost would be too great and the benefit too little.  In an opt-out package, insurers are able to spread out the potential risk (i.e. the likelihood that they would have to pay the claim) amongst a large group of people, driving down the cost for everyone.

Full-Time Students: All undergraduate students  who are taking 15.0 credits or more from fall and winter semesters are eligible for the plan.

Part-Time Students: Undergraduate students taking 12 or fewer credits between fall and winter semesters. Please enrol yourself and your dependants manually at the Member Services Office (MSO), which is located in room 106 of the Student Centre. Please see Question #2 for rates. 

Glendon Students: Please visit Student Affairs, Glendon Campus at York Hall C114

Students with Dis/Ability: Registered full-time (minimum 12 credits) and recognized by the Office with Disabilities as disabled, need to enrol manually at the YFS Health and Dental Plan office, which is located in room 106 of the Student Centre. Please bring with you your letter of accommodation to complete your enrolment. 

Graduating Students: If you currently have less than 15 credits and also ready to graduate; please provide us with a transcript that verifies you have completed over 80 credits.  Please come to enrol manually at the YFS Health and Dental Plan office, which is located in room 106 of the Student Centre.

 

Once you are enrolled into the YFS Health and Dental Plan, the fee (levy or premium) will be automatically charged to your York University Student Account Statement ANNUALLY during the academic year.  This will happen either on or after August 16, 2017 and September 16, 2017 for fall students.

For the winter term only, the charges will appear on your student account either on or after December 16,2017 and January 16, 2018 .

WINTER STUDENTS-PLEASE NOTE: Most of the winter students are not automatically enrolled in the YFS health and Dental Plan in the winter session. If you want to be enrolled and you are in 9.0 or more credits; or you are in a different program like Transitional Year Program, Nursing etc. please come to enrol manually at the Member Services Office (MSO); which is located in Room 106 at the Student Centre.

SUMMER STUDENTS: THERE IS NO ENROLMENT IN THE SUMMER SESSION.

Please check the status of York University Student Account Statement online on the 16 of each month) to make sure that the charge is posted. It will read like this depending on the date. "20-Aug-2017 Adjustment Health Care & Dental - YFS $254.52". If you do not see this charge please visit the MSO, located in Room 106 at the Student Centre, prior to the deadline, to request to be manually enrolled. 

Important: The opt-out deadline is Friday, October 15, 2017. IF YOU HAVE COMPARABLE COVERAGE from your parents or work/other, you can opt out starting September 1, 2017 until October 15, 2017.

Winter Student ONLY opt-out starts on January 1, 2018 until February 10, 2018, please see "opt-out" link above.

After completing the online opt out, you will receive an e-mail confirmation including an application number. If you do not receive an e-mail confirmation, it means that it did not go through or was not successful. If you did not receive your opt-out email, please take a look in your spam folder of your email account used when completing the online opt-out form. Keep that e-mail until the November 16 statement or the 16 of each subsequent month “just in case”.

The plan fee will be reimbursed to your student account on or before November 16, 2017 and on or February 16, 2018 for winter students. If you have already paid the YFS Health & Dental Plan levy, you will receive a refund. If you have not yet paid the YFS Health & Dental Plan levy, the amount will be reversed into your York University Student Account Statement. All the opt-outs will be processed every couple of weeks for a refund/reversal into your student account.

For more information, please visit Student Financial Service website. It will read like this depending on the date. "16-Sept-2017 Adjustment Health Care – YFS - Reversal -254.52". If a cheque is issued to you, it will read like this depending on the date. "16-Sept-2017 Cheque Issue Refund Cheque -254.52". 

You need to opt-out of YFS Health & Dental Plan ONCE AN ACADEMIC YEAR (August - April) because the plan fee charges every year. Consequently, all YFS students need to opt out every year.

All electronic/claims submitted to Green Shield require your Green Shield Identification number. Your identification number at Green Shield is:
“YFS” + your student number –"00".
eg. YFS123456789-00

Most prescription drugs and dental claims are made direct payments to the provider of services, where applicable; e.g. Pharmacies or dental offices. If not, please submit an original itemized paid receipt from the service provider with a claim form for reimbursement at our office (106 Student Centre), Keele Campus.

Glendon College Students please submit all original receipts at Student Affairs at Glendon Campus at York Hall C114.

During the off school year, you can mail all the claims to our office anytime. Health Plan Coordinator, Member Services Office (MSO) 106 Student Centre, 4700 Keele St., York University, Toronto, ON, M3J 1P3. Once you have filed a claim a cheque will be mailed to the address you wrote on your claim form.

GET YOUR MONEY BACK FASTER: Sign up for direct deposit. Simply register today for "Plan Member Online Services" (using your unique Green Shield Canada Identification Number) which is YFS+STUDENT#-(00) for Direct Deposit. This will not only provide you with helpful information about the plan, but will also allow you to:      

-Find out benefit eligibility information

-Find answers about reaching your maximum for drug and dental coverage and receive your claim through Direct Deposit.       

This information would be available on your electronic statements posted to your secure, personal Plan Member Online profile. Register here. Once registered, an access code will be emailed your email address entered in the Green Shield Canada system. Just register once and you will be connected anywhere and anytime.

Visit here for plan member online services.

YFS Health & Dental Plan benefit year always starts on September 1 and ends the following year on August 31 (for example, September 1, 2017 to August 31, 2018).

The pay direct "card-less" for prescription drugs and dental coverage and the booklet including the plan information will be available and activated with all providers on September 1, 2017.

The YFS Health and Dental Plan is now card-less. All you need is the information below:

Benefit Provider:
GREEN SHIELD CANADA: (Prescription)
YFS + Student Number -00
eg. YFS123456789-00

DENTAL:
Group Policy/Plan No:
11111
Division/Section No: YFS
Employer: York Federation of Students
Certificate No/ I.D. No: Your Student Number

For all information regarding what benefits the YFS Health and Dental plan covers, click here.

You need to pay the full amount for all extended health benefits and services/products for example, Osteopathy, Chiropractic Care, Naturopathic care (remedies not included), Physiotherapy, Acupuncture, and Massage Therapy, etc.

NOTE: difference between chiropodist/podiatrist (foot care professionals). A chiropodist is a specialist in treating minor ailments of the feet, including fitting patients for Orthotics. Chiropodists are not graduate physicians and their activity should be restricted entirely to the treatment of corns, ingrown toenails and other minor foot conditions.