What am I covered for?
You are covered for most prescription drugs, dental care, vision care, emergency accidents and even some travel!
Keep in mind, while most things are covered, some things are not. Make sure you double check the health insurance website for details on the plan before you purchase any services. For the full list of what you're covered for, click here:
I have other coverage and don't need this plan. How do I opt-out and get my money back?
First, we have to tell you: You can only opt-out during the first month of your coverage period.
Deadlines are September 30, January 31, and May 31, all at 4:00pm depending on whether you start in Fall, Winter, or Spring. There are no exceptions once your deadline has passed.
Now that that's out of the way, to opt out, head to www.wespeakstudent.com, choose St. Clair College as your school, and click on the square that says "OPT-OUT". Complete the form, hit submit at the end, write down your confirmation number, and that's it! You'll get a cheque or direct deposit 4-6 weeks after the deadline has passed.
How do I use my coverage?
Easy! See this card? Screenshot it, save it, print it and keep it in your wallet, whatever you need to do, and bring it with you whenever you go to a pharmacy, dental office, or basically anywhere that asks you "Do you have health insurance?". It has all of the information they need! Just fill in the blanks and you’re all set!
How long am I covered for?
Your coverage starts on the first day of the month you started school, and ends on the following August 31, so you're covered through the summer too.
- Fall start: September 1, 2023 - August 31, 2024
- Winter start: January 1, 2024 - August 31, 2024
- Spring start: May 1, 2024 - August 31, 2024
I had to pay full price. How do I get reimbursed?
This happens, and don't worry, you can still get your money back! First things first, if you had to pay full price for anything that you are covered for, save your receipts.
Now, there are 2 ways you can be reimbursed:
- Do it yourself online (direct deposit available to get your money back faster)
- Let the SRC do it for you (only option is a cheque being mailed which takes 4-6 weeks)
Want to do it yourself online? This is surprisingly easy! You can even do it from an app on your phone. Yes, there is an app for that.
Phone: Download an app called "ClaimSecure". Set up your profile, make a claim, take a picture of your receipt as proof, sit back, and wait for your refund.
Computer: Head over to www.wespeakstudent.com, choose St. Clair College as your school, and click on the square that says "E-Profile for Online Submissions". ‘Register Now', set up your profile, make a claim, attach a picture of your receipt as proof, sit back, and wait for your refund.
Don't want to do it yourself? We understand. That's why we're here! Bring your receipts to the SRC office. We can help you complete a short form, then we scan it and send it electronically to the health insurance company. In 4-6 weeks, you get a cheque in the mail!
What about my family members?
Only the student is on the plan by default, but you can pay to add your family! Reach out to Katie Rizea, email@example.com, and she'll give you the details.
I'm part time. Am I covered?
Part-time students are not covered, but they can pay to be added on! Same as above, reach out to Katie Rizea, firstname.lastname@example.org, for all the details.
Family opt-in form and Part-Time opt-in form are the same, should be titled both.
Am I covered for massage / chiropractic?
No, but also yes? Massage therapy is not covered at all in our plan, and chiropractic is, but only under very specific circumstances. Chiropractic is considered a paramedical service, which is covered under our "Accident" coverage. In order to be reimbursed for that, you would have to have been prescribed the chiropractic service by a doctor as the direct result of an accident that occurred after your coverage start date. Pre-existing conditions are not covered.
For example: You began school in September and you were in a car accident in November, which hurt your back. You visit your family doctor and they prescribe you Chiropractic. That would be covered!
I still have questions. Who do I contact?
Any more questions you have can be sent to our health insurance specialist, Katie Rizea, at email@example.com. She'll be more than happy to help you out.
Links to Physical Forms: