Health Insurance

All registered international students are automatically enrolled in the Foreign Health Insurance plan. Full time international graduate students are also automatically enrolled in the Graduate Student Union (GSU) dental plan. For information on this, visit their website.

Automatic coverage does not apply to students on a work term, dependents of students, post docs or some visiting researchers.

You might be eligible for public health care offered through the Government of Newfoundland and Labrador called MCP or Medical Care Plan.

You may also meet eligibility requirements to opt out of the Foreign Health Insurance and/or transfer into one of the student union plans.

It is important to understand your health insurance coverage and the health care system in Canada. That is why when you arrive to St. John's, you must visit the ISA Office for information about your insurance. If you are attending the Grenfell Campus in Corner Brook you must meet with Shanda Williams in Student Affairs, email: swilliams@swgc.mun.ca.


Medical Care Plan (MCP)

As an international student studying in Canada, you may be eligible for provincial medical care coverage called MCP (Medical Care Plan). If you are eligible for MCP, you must apply for coverage.

To be eligible for MCP:

  • you must have a valid study permit for 12 months or longer
  • be attending a post secondary institution in Newfoundland and Labrador as a full-time student

Note:

    • If you have recently renewed your Study Permit AND it was issued for less than 12 months, bring your old Study Permit with your new one to MCP, which will prove you have been continuously on a Study Permit for more than 12 months.
    • If your spouse and/or children join you, they will not automatically be eligible for MCP. They will also need a document proving that they have temporary residence for a period of 12 months or more, and are your dependents.
    • If renewing a document: keep your receipt of payment and your X-Press post tracking receipt. If your permit expires before you receive your new one, MCP may consider the two receipts as proof that you applied for your new permit and issue you a temporary MCP card. If you are in this situation, you can visit contact the MCP office for more information.

To apply for your MCP card
Bring your Study Permit, passport, updated enrolment verification letter (different from your acceptance letter), and your completed MCP application form to the MCP office at 45 Major's Path: Monday through Friday 8:30 a.m. to 4:00 p.m. Or mail this information to:

Medical Care Plan
45 Major’s Path
P.O. Box 8700
St. John’s, NL A1B 4J6

To request an updated letter of enrollment, log in to your Memorial Self Service. If you are an ESL student, visit the ESL Office on the 3rd floor of Spencer Hall.

Using your MCP card
Always show it to the doctor/hospital instead of the Foreign Health card. Different (much lower) fee rates apply to MCP patients.

MCP Coverage

  • visits to a physician's office, hospital or beneficiary's residence (whether the problem is related to a chronic or emergency condition)
  • surgical, diagnostic and therapeutic procedures, including anaesthesia
  • pre- and post-operative care
  • complete maternity care
  • radiology interpretive services
  • certain surgical-dental procedures which are medically necessary to be performed in hospital by a dentist or oral surgeon

When can you not use MCP
MCP for international students may not cover costs incurred outside the Province, or costs incurred while one is not in possession of a valid immigration document. To find out if you are covered in such situations, contact the MCP office.
For more information on what is and is not covered, visit
http://www.health.gov.nl.ca/health/mcp/index.html.


Your Policy

It is very important that you read and understand your health insurance policy as it fully explains what your insurance provides for you and the procedures you must take to use your coverage properly. If you have any questions about your policy, you can contact the ISA or the Health Insurance Company, email:claims@guard.me
To access a copy of your policy in different languages, log in to the foreign health insurance provider website. To do this, you must have received your foreign health insurance card (available to be picked up at the ISA one month into the semester).

1.Go to guard.me
2.In the top right of the website, click on "My Account"
3.Select 'Individuals"
4.Enter your policy number and date of brith. Click "Next"
5.In the lower left section of the home page, you will be able to see the policy, blank claim forms, and current claims/claims status (if submitted online).


Insurance Costs

For the 2013-2014 academic year, health insurance costs are (all costs inlcude applicable taxes):

  • Single Student: $206.84 per semester
  • Single Medical Student: $620.52 per year
  • Married Couple: $413.68 per semester
  • Married Couple with One Child: $620.52 per semester
  • Married Couple with Two Children: $827.36 per semester

Paying for Your Insurance
Your student account will be charged at the beginning of each semester. You can pay your insurance fees in person at the Cashier's Office (Arts and Administration Building, Room 1023), or online with a credit card on the Memorial Self Service.


Renewing and Opting Into the Foreign Health Insurance

Your health insurance will automatically be renewed for each semester you are a registered student.

This does not apply to students on a work term, dependents, post docs or visiting researchers. If you have dependents that require coverage, you are on a work term, or you are a post doc or visiting researcher, you will need to opt them/yourself in once every academic year, or in the case of work term students- once every semester you are on a work term.

You can opt-in yourself or your dependents to the Foreign Health Insurance Plan by visiting the International Student Advising Office and completing an Opt-In form. It is recommended that this be done before January 20, 2016, 5pm NL, in order to avail of the full semesters worth of coverage. An opt in form is valid for one academic year (an academic year runs from September- August). This means you must complete a new opt in form every September should you choose to extend coverage to yourself or your dependents. If you opt in, payment for the Foreign Health Insurance must be made by cash or cheque at the ISA office (Corte Real 1000) if you do not have a Memorial University student number.

NOTE:

  • Dependents, Post Doctoral Fellows or Visiting Researchers have the option of opting in to the Foreign Health Insurance plan from the ISA office, but it is not a requirement.
  • For international post docs, we have prepared this document which outlines your health insurance options.
  • Before you opt in, you should read through this website to understand the coverage you are purchasing. The Foreign Health Insurance costs $206.84 per semester (4 months).

If you have any questions about health insurance coverage, please do not hesitate to contact us at isa@mun.ca.


Opting out of or Transfering your insurance

You are eligible to opt out from our insurance plan if one of these statements applies to you:

  • I am studying outside of Canada in either my home country or the USA
  • I am sponsored by one of the following groups who provide me with insurance: USC, CIDA, CBIE, SWB, Canadian Commonwealth scholarship, or Saudi Arabia Cultural Bureau
  • I am a refugee claimant and covered under the Federal Government
  • I am here for a short term and have purchased my own coverage via Guard.Me

Please note that health insurance plans from outside of Canada will not be accepted as alternate coverage.

In order to cancel your Foreign Health insurance you must complete an Opt Out Form and provide the necessary proof to the ISA before January 20, 2016 5pm NL. Once this form is submitted and approved, your opt out of the Foreign Health Insurance is valid for one academic year (from September- August), meaning it will expire the end of August, and you must complete a new opt out form every September that you are a registered student.

You are eligible to cancel your Foreign Health Insurance and transfer your insurance to a student union plan if one of these statements applies to you:

  • I am a full time graduate student with MCP valid for a minimum of 6 months from date of issue
  • I am a full time undergraduate or ESL student with MCP valid for a minimum of 6 months from date of issue (MI students NOT eligible in SPRING)
  • I am a full time undergraduate Medical student with MCP valid for a minimum of 6 months from date of issue (ONLY ELIGIBLE TO CANCEL IN FALL SEMESTER)

Please note there is a different process for students who are on a work term, who wish to transfer their insurance, scroll down for more information.

In order to transfer your insurance, you must complete an opt-out form and provide a copy of your MCP card to the ISA before January 20, 2016 5pm NL. To transfer insurances, you only need to complete this Opt Out Form one time. This means that for the remainder of your studies at Memorial your insurance coverage will be with the student union that serves you and you must abide by the regulations surrounding that coverage (Remember, this does not apply to students on a work term who have transfered their insurance). For information on the student union health insurance coverages, visit their websites or view this comparison chart

Process for students on a Work Term who wish to transfer their insurance
As a work term student with MCP, you must follow a different process to transfer your foreign health insurance.

1. You must visit the ISA and show your MCP card to get a letter confirming you are an completing a work term and you have MCP.
2. You must bring that letter to the MUNSU office in UC-2000 to pay $146 for the health and dental coverage.
3. You must bring a copy of your receipt from purchasing the MUNSU insurance to the ISA along with your MCP card, to cancel your Foreign Health Insurance.

You must do all of this before January 20, 2016 5pm NL. The opt out is only valid for one academic year (September to August). This means that you must complete this process every September that you are a registered student.

NOTE:

  • Make sure you have completed the correct opt out form. Both MUNSU and the GSU have opt out forms for their health and dental insurance, but if you are an international student, you must complete an opt out form for Foreign Health (completing a MUNSU or GSU form will not opt you out of the Foreign Health insurance).
  • If you are an international graduate student, you might also wish to opt out of the GSU dental plan. For information on this, visit their website, www.gsumun.ca.

Claiming Visits and Prescriptions

Getting Your Money Back
When you visit the dentist, you should always call the insurance company first (their toll-free telephone number is on the back of your insurance card) to make sure the procedure you are having done is covered by your policy.

To Submit a Claim

  • You can make a claim online to www.guard.me by logging in with your policy number. You can only claim amounts less than $1,000 online
  • You can make a claim by completing the claim form (see below) and sending it by mail along with your receipts

Completing the Claim Form

  • After you have paid for your medicine or for your visit to the eye doctor or dentist, you will need to complete a claim form to get your money back. To complete the claim form correctly, please follow these steps:
  • Fill out the first two boxes on the Claim Form
    • Box #1 contains the information that is on your insurance card
    • Box #2 is where you write your full mailing address and telephone number or e-mail address
  • Answer questions 1 or 2 if applicable.
  • Complete the box under #3
    • "Date of Service" is the date that appears on your receipt (a receipt is the little piece of paper you are given after you pay for something)
    • "Cost of Service" is the amount of money you paid which appears on your receipt
    • "Diagnostic Code AND Explanation" is the name of the prescription and the reason why you went to see the doctor for the medicine; or, if your claim is for a dental treatment or eye exam, then you write "dental treatment" or "eye exam"
  • Sign your name and write the current date on the bottom of the claim form
  • Staple your receipt(s) to the claim form and send it to the Health Insurance Company (the address is on the bottom of the claim form)

Please note that you may have to wait at least 3 weeks for the processing of your claim. If at any time you are wondering about the status of your claim, please visit guard.me website or call the telephone number on the back of your insurance card.
If you have any questions about how to complete your claim form, please contact the ISA.


Frequently Asked Questions

Please see the list below of frequently asked questions about your health insurance. If you have a question about your insurance and you do not find the answer below, please contact the ISA.

I'm feeling sick. Where can I see a doctor?
The Student Health Clinic in the University Centre is open during the weekdays from 8:30 a.m. - 5:00 p.m. (4:30 p.m. in the summer). That is the best place to go because they understand your Foreign Health Insurance and will help you as best as they can. On the weekends, you may be able to go to a public clinic (they are listed in the phone book). If you have an emergency - for example, a serious injury or severe illness - you can go to the emergency room in a hospital (the Health Sciences centre is on the MUN campus, but there are other hospitals in the city). If you go to an emergency room, you should expect a long wait!

My family is coming to join me at MUN, how do I sign them up for insurance?
You can opt-in your dependents to the Foreign Health Insurance Plan if you are enrolled yourself, by visiting the International Student Advising Office and completing an Opt-In form for dependents. While you can opt in your dependents at any time during the semester, it is recommended that this be done before the end of the second week of classes of the given academic semester, in order to ensure that they receive the full semesters worth of coverage. If you have any questions about health insurance dependent coverage, please do not hesitate to contact us.

If you are covered by one of the student union health plans, you must contact them to find out how to add your dependents to the insurance. Their contact information can be found on their website:
Memorial University of Newfoundland Student Union (MUNSU) www.munsu.ca
Graduate Student Union (GSU) www.gsumun.ca
Marine Institute Student Union (MISU) www.misuonline.ca
Grenfell Campus Student Union (GCSU) www.gcsuonline.ca

I've stayed in Newfoundland for two semesters, and I want to travel during the summer. Do I need to buy extra insurance?
If you are covered by the Foreign Health Insurance (charged automaticlaly if you are registered student), you do not need to buy extra insurance. As long as 50% of your coverage period (the amount of time you've had insurance) has been spent at the university, then you can travel anywhere in the world and still be covered under your insurance. The only exceptions are if you go home or to the U.S.A., your coverage is limited to 30 days. If you are covered by MCP plus another supplemental Canadian health insurance plan, you may have to purchase extra insurance since MCP will not cover you outside the Province and other supplemental health coverage may be conditional on you having a valid MCP, so before you go outside of the Province, you should check with your health insurance provider as you may have to buy extra insurance. It is possible for you to opt back into the Foreign Health Plan for 1 semester as long as you do so before the end of the first week of classes.

I've been offered a work-term outside of Newfoundland OR I will be completing a semester of study abroad. Will my insurance cover me?
Your Foreign Health Insurance will cover you no matter where you go (except in your home country or to the U.S.A.) if the reason for your travel is a work-term or co-op placement that is related to your field of studies. BUT, you will not automatically be enrolled in the Foreign Health Plan if you are on a work term. For that semester, you will need to opt in. For information on this, click here. Your MCP may not cover you outside of the province and other supplemental health coverage may be conditional on you having a valid MCP, so before you go outside of the Province, you should check with your health insurance provider as you may have to buy extra insurance. It is possible for you to opt back into the Foreign Health Plan for 1 semester as long as you do so before the end of the first week of classes.

I am an ESL student/ work term student with MCP, how do I cancel the Foreign Health and transfer to a student union plan?
As an ESL student or a work term student with MCP, you must follow a different process to transfer your foreign health insurance. First, you must visit the ISA and show your MCP card to get a letter confirming you are an ESL student/completing a work term and you have MCP. Second, you must bring that letter to MUNSU office in UC-2000 to pay $292 for the health and dental coverage. Third, you must bring a copy of your receipt from purchasing the MUNSU insurance to the ISA along with your MCP card, to cancel your Foreign Health Insurance. You must do all of this before the end of the first week of classes. The opt out is only valid for one academic year (September to August). This means that you must complete this process every September that you are a registered student.

I sent a claim form to the insurance company for medicines I bought without seeing a doctor, and they sent me a letter back refusing payment. Aren't all medicines covered by my insurance?
If you buy medicine without a prescription (these types of medicines are called "over-the-counter" medicines), then you will not be refunded for what you paid. No insurance company will cover the "over-the-counter" medicines. If you are sick, you should see a doctor before buying something from the pharmacy that may or may not help you.

Contact

Internationalization Office

230 Elizabeth Ave

St. John's, NL A1B 3X9 CANADA

Tel: (709) 864-2530

Fax: (709) 864-2552

becomestudent@mun.ca