Health & Dental
If you are a masters or doctoral student at the University of Victoria, this is your extended health and dental insurance plan. (Undergraduates, (including JD (law) students) please visit uvss.uvic.ca.)
Graduate students starting in January have until January 31 to opt in family to the plan, or opt out of the coverage with proof of alternate coverage. Please see details below.
- Important information and contacts
- Form downloads and plan information booklet
- Who is assessed the fee
- Opting out of the plans
- Adding your family
- Distance student opt in
- Appeals regarding the Health and Dental Plan
- About health and dental coverage
- About travel
- What should I pay/how much can get covered for paramedicals (massage. chiropractor, etc)
- Pacific Blue Cross
- Aren’t I already covered by BC MSP (Care Card) and Canada’s free health care?
- I am from out of Province … what about my home province medical coverage?
- I am going on medical/maternity leave
- I completed my degree but my plan continues to August 31. What happens now?
- I am an international student
- How are the fees for the GSS plan determined?
- How do I get my card?
- Find a Doctor, Dentist, naturopoath, help with costs etc.
- Are there other discounts I can get with Pacific Blue Cross?
- Is this my plan?
- How to submit an electronic claim?
Important health and dental info
The GSS encourages members to create an on-line Blue Cross account with Caresnet, where you can print temporary cards, view your spending to date, check when items with annual maximums renew to the maximum amount again. Info on Caresnet is here.
Please notify the GSS at gsoc[at]uvic.ca if you are having problems with your account.
Grad Student Claim forms are available at the PBC website.
Please be aware, this is not the undergraduate plan, alumni plan, or UVIC staff plan. If you are not working on a Masters or PhD, this is not the plan for you. Undergraduates, please visit the UVSS site.
The Health and Dental Plan Coordinator is Ms. Mary Shi. She can be reached by phone: 250-721-8816 or by email: gsoc[at]uvic.ca.
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Form & booklet downloads
All the Health & Dental forms can be downloaded from our Forms & PDFs page.
Who is assessed the fees?
All graduate students who are:
Registered in 3.0 or more ON-CAMPUS units in September or January
Registered as co-op students
Registered in an ON-CAMPUS thesis or dissertation
You will be assessed once per academic year (the academic year runs September-August). Students are not assessed in the Summer term, so students starting their program May-August are not assessed or covered by the plan until the following September.
Graduate students who live outside the Victoria area are usually registered in an OFF-CAMPUS section. Please note: OFF-CAMPUS (distance) students are not automatically included in the extended health or dental plans. You have the option to opt into the plan. The deadline for opt in is September 30th or January 31st (if you are a January entrance student). If you have questions or concerns about the registration process, contact the Graduate Admissions and Records Office at (250) 472-4657.
Only students with alternate coverage may opt out of the health or dental plan. Opt out has to be conducted every year. Please check your student account to confirm if you have been assessed health and dental fees. You could check your fees by sigining in with your netlink ID through UVIC my page.
The deadline to opt out depends on when you start your program each year. If you start in September, you are charged for the plan in September and your opt out deadline is September 30, and you will not be charged again (or need to opt out) until the following September. If you start in January (or are charged in January because you were part time or off campus in the fall), you will need to opt out by January 31. You will not be charged again (or need to opt out) until the following September. Students are not assessed health and dental fees in May.
Additionally, students who sign up with UVIC Accounting Services to pay their tuition in monthly installments should opt out of the GSS Health and Dental Plan before September 15 to ensure their monthly tuition installments are calculated correctly.
To be exempted from one or both of the GSS Extended Health and Dental plans, please visit the GSS General Office and provide us with proof of your equivalent alternative extended health and/or dental coverage. Examples include:
•Extended health and dental plan cards provided by your insurance company.
•A letter from your insurance company on letterhead, explaining both Extended Health and Dental plans and including all relevant policy, group, or certificate numbers.
•A letter from your employer on a company letterhead, outlining both Extended Health and Dental coverage, including the name of the insurance company and all relevant policy, group, or certificate numbers.
Your opt-out must be renewed each September.
If you can't make it to our office during the working hours, from September 1 to 30 each year, there is online opt out. You will need your plan information and your student number (V#) to fill out the form.
Come see us within a month of your situation change in cases of acquiring new coverage or registration change requiring late opt out
Family and Distance Student (Off Campus Student) opt in
For students starting in September, the family or distance student (off campus student) opt in period is September 1 to 30. For students starting in January, the family or distance (off campus student) opt in period is January 1 – 31. Students renew their opt in each year in September.
Please fill out the 2014 GSS family opt in form or the 2014-Distance student enrollment form (forms are also available at the GSS General Office). Payment (cash or cheque) must accompany your form. The cheque is made out to "UVIC Graduate Students' Society". Coverage expires each August 31, and therefore must be renewed each year by the deadline. Monthly installment option through Pre-Authorized Debit (PAD) with no additional administration fee is available, please consult the office.
Opt-in deadlines for Family and Distance students (Off campus student) are:
September 30th for September-start students
January 31st for January-start students
Come see us within a month of registering in cases of late enrolment or within a month of any changes in your situation requiring late enrolment.
Pay for your opt in with monthly instalments
You may pay in monthly installments by automatic debit from your bank account. Payments are made on the 15th of each month, with a first payment being equivalent to two months fees (for September and October fees) withdrawn October 15, and each additional payment being 1/12 of the full annual cost withdrawn on the fifteenth of each month with a final payment August 15. Please contact the GSS Health Plan coordinator at gsoc [at] uvic.ca for details and exact pricing for your situation. The Monthly Instalment Form is available at GSS office and here.
Extended Health and Dental Plan Fees
Students pay health plan fees only once per school year (September to August), either in September or January, and this provides coverage until August 31. No fees are assessed in May–students beginning their program in May are not covered by the plan until they are assessed the following September.
September fees for the 2014-15 year:
Single (on campus student) Fees in September (covering Sept 1, 2014 to August 31, 2015):
These fees are charged with your tuition.
Health: $ 328
Dental: $ 214
Additional Fees to opt in Family in September (in addition to single fees), or for Distance Students who are not charged with tuition to opt in to the plan:
These fees can be paid at the GSS office by September 30 if the student wishes to add their family or for distance student. These fees include distance student only or all family members (except on campus student) for family opt in . For distance student opt in and family opt in, the total cost will be $1104 dollars. A monthly instalment plan is available for opt-ins.
Health $ 333
Dental $ 219
Single (student) Fees in January (charged with tuition)
January 2015 fees for January start students only:
These fees are charged with tuition for students who start in January.
Health: $ 219
Dental: $ 143
Additional Fees for Family in January, also in addition to single fees (and January-start Distance students only):
These fees can be paid at the GSS office by January 31 if the student wishes and ONLY if the student started in January. A monthly instalment plan is available for opt ins.
Health $ 222
Dental $ 146
Appeals related to the GSS health and dental plan
Students may file an appeal in regards to the opt in, opt out, or fee assessments related to the GSS health and dental insurance.
GSS observes a five business day grace period for opting out and opting in deadlines.
Fee appeals are submitted to the GSS Health and Dental Appeals Committee. (Student who is enrolled in a distance program and in an on-campus class that lasts less than 17 working days eligible to opt out bus pass (with proof from department or course registration)).
Terms of Reference of the GSS Health and Dental Appeals Committee can be found in the GSS policy manual [PDF], section 20.15, page 48.
Guidelines for decisions of the Health and Dental Appeal Committee can be found here [PDF].
About the GSS health and dental coverage
A student referendum directed the Graduate Students’ Society to establish an Extended Health and Dental Plan in 1999. Successive referendums have established the price and benefit levels of the plans. The plans are currently carried by Pacific Blue Cross, a non-profit insurance company. The benefit year is 12 months long, beginning September 1st each year and running through to August 31st. For new students beginning in January, a special pro-rated benefit year of 8 months is assessed. PLEASE NOTE: Just as with an employer provided plan, benefits roll over on the calendar year (December 31st). (For example, plan maximum of $250 for chiropractic services runs January 1st to December 31st).
For the best access to information on where your coverage stands, set up an account with CARESnet here: http://www.pac.bluecross.ca/members/member.html This will show you how much you and any dependents you have enrolled are eligible to claim today, when the benefit renews. You can also set up automatic deposit to your bank for claims that require mailing in receipts and access forms, print replacement cards and more.
Full coverage details are available via CARESnet. You can also pick up a benefit booklet, available at the GSS office.
The Extended Health Plan is tailored to meet the needs of graduate students. Beyond the basic health coverage of your provincial Medical Services Plan (MSP), your extended health plan provides coverage for many services including help with prescription drug costs, 60 days of out-of-country emergency medical coverage, vision and coverage for each eligible paramedical service (including physiotherapy, massage therapies, naturopathy, clinical psychology, and other services).
The Extended Health Plan does not replace the provincial MSP, nor do your GSS premiums cover your provincial MSP premiums. More information on BC MSP can be found at the BC MSP website. Further assistance with prescription drug costs may be available through the Pharmacare program, and the GSS recommends all students register for premium assistance and Fair Pharmacare to ensure you have maximum coverage. More information is available at https://pharmacare.moh.hnet.bc.ca/.
I've finished my degree. What now?
Students who are on GSS Extended Helath and Dental Plan, and subsequently graduate or permanently withdraw from UVIC before August 31st have two options of their plan. One option is that students can keep the plan until the plan terminates, which is August 31st. The other option is that student can request to opt out the plan within 30 days of their change of student status. Withdrawl would take effect the end of month that the student is no longer registered as a student.
Note that retroactive withdrawlsthat reverse tuition for a term that includes charges for GSS health and dental plan fees will cause cancellation of your plan in the term where Health and Dental Plan fees are removed. See below for information on withdrawls for medical, compassionate or maternity leave.
I'm going on medical, compassionate or maternity leave. What are my options?
Students who are on temporary leave under the categories of "Compassionate/Medical Leave" and "Parental Leave" with the approval of Dean of Faculty of Graduate Studies are eligible for one complete coverage year subject to payment of GSS Extended Health and Dental fees, and GSS society fees. Proof of approved leave must be provided.
What about travel?
The GSS Extended Health Plan includes 60 days of out of country emergency medical coverage. If you are travelling for the purposes of study, and the travel will extend beyond 60 days, please contact the GSS to learn about other free options for coverage. Please detailed information, please refer to the PBC Out of Country Policy and PBC Out of Country Coverage.
If you are travelling for pleasure (or non-school related travel) beyond 60 days, the GSS has negotiated a 20% discount on Blue Cross travel insurance packages for our members. Ask at the GSS office for details.
Note: You will need to have active Canadian provincial plan while you travel.
For international students, MSP will only cover out of BC for a maximum 6 months. Students who are out of BC for more than six months will need to explore options for private insurance coverage, such as AON.
Practitioner Service Reasonable and Customary Limit
(New Pacific Blue Cross reasonable and customary limits as of October 1, 2013)
- Accupuncture: initial visit $135, subsequent visit $100
- Chiropractor Services: initial visit $70, subsequent visit $50
- Massage therapy: 30 minute visit- $52 + taxes; 45 minute visit - $78 + taxes; 60 minute visit- $93 + taxes
- Naturopath services: initial visit $240, subsequent visit $180
- Physiotherapy services: initial visit $85, subsequent visit $75
- Podiatry: initial visit, $175, subsequent visit $100
The reasonably and customary limit is based on the current fee schedule for practitioners in BC, and indicates the maximum reimbursement you can expect from Blue Cross. The GSS strives to keep this list up to date. Current list of reasonable and customary limits is always available at http://www.pbchbs.com/pdf-bin/100/RCParamedTable.pdf.
In addition, currently, Pacific Blue Cross limits members to a 100-day supply of blood glucose test strips. Within that supply, members can order an unlimited number of test strips.
On January 1, 2015, Pacific Blue Cross will introduce a Reasonable and Customary Limit of 3,000 test strips per member per calendar year. Members who can prove medical necessity will be granted a larger supply.
Starting from January 1, 2015, Pacific Blue Cross is applying Reasonable and Customary Limits to certain high-cost specialty drugs where alternative government and/or patient assistance programs exist. Plan members will not be asked to pay out of pocket for these drugs. Costs will be offset by applicable assistance programs.
For example, if a pharmacy charges more than the Reasonable and Customary Limit for one of these drugs, it can either absorb the difference or obtain funding form the applicable assitance program. Members prescribed high-cost speciality drugs can also ask their physicians about supplemental coverage options.
Pacific BlueCross has launched pay-direct biling for extended health care providers in BC. Pay-direct makes it more convenient for members to claim for chiropractic, physiotherapy, acupuncture, naturopathy, podiatry, psychology, massage theory and vision care services. For detailed information, please refer to: http://www.pac.bluecross.ca/pdf-bin/benefitinsider/bi_SpringSummer2015.pdf
The Dental Plan provides 70% reimbursement on preventative and minor restorative dental services to a maximum of $750 per calendar year (Starting 2011 September). Please refer to the policy brochure (at the bottom of this page) for more details. We recommend that you seek pre-authorization before receiving any dental treatment valued at over $200.00.
Dental costs covered are also subject to the standard fee schedule. Please note that not all dentists charge the same rates. If cost is a concern, always ask your dentist if they charge according to the fee schedule and request a Pre-Approval from PBC.
Pacific Blue Cross
You may find more member information and download claim forms from the Pacific Blue Cross website. Check Blue Advantage for discounts on vision care and medical purchases and CARESnet for on-line access to claims and benefit information. For more information, see the Pacific Blue Cross frequently asked questions.
Starting from 2012 September 01, E-Claims is effective. You will be able to find the information on how to submit an Electronic claim through PBC website and benefit booklet.
PBC recently expand on electronic claims submission funtionality and service providers can electronically bill PBC on behalf of their patients. For more detailed information, please refer to http://www.pac.bluecross.ca/collat/articles/0697.006_ADMINnetBulletin_PROVIDERnetClaimsSubmissionEnhancement.pdf
I am already covered by BC MSP, isn’t this enough?
All BC residents (including international students) must be covered by BC Medical Services Plan and have a care card. Provincial MSP covers your visits to the doctor and emergency treatment in hospital. Students from out of province may opt to stay on their home province medical plan. We encourage all students who qualify to apply for premium assistance to lower their MSP premiums (fees).
In BC, you will need to pay premiums for MSP covreage, which is based on family size and income. The monthly rates in 2014 are: $69.25 for one person; $125.5 for a family of two; $138.5 for a family of three or more.
To qualify for MSP premium assistance, you must, for the last 12 consecutive months, have been resident in Canada and a Canadian citizen or holder of permanent resident status (landed immigrant).
Provincial medical coverage does NOT cover dental work, vision or pharmaceuticals, and is not considered alternative coverage for those wishing to opt out of the GSS plan.
I moved here from another province and am on my home province medical
Students studying out of province can maintain their home province medical plan for the duration of their studies. Students are usually required to contact their provincial medical plan office and notify them of their plan to study out of province (Some provinces will need some documents). Not all coverage is the same between provinces, and some services are not provided.
Coverage on most out of province medical plan is subject to a reciprocal billing agreement between provinces. The Reciprocal Billing Agreement allows students to use their home province medical card at the doctor or hospital out of province. Quebec is not a signatory to the reciprocal billing agreement.
Some coverage provided at home may not be provided outside the province and the student will have to pay up front. In some cases these services can be reimbursed by the home province. Information on coverage under reciprocal billing is difficult to find. Students are advised to ask their home province health isurance program if they have concerns. the Canadian Institute for Health Information provides the following summary of excluded coverage as of 2007:
“Services Excluded Under the Interprovincial
Reciprocal Billing Agreement
The following list of services were excluded under the interprovincial agreements
for the reciprocal processing of out-of-jurisdiction medical claims, effective April 1, 1988:
• Surgery for alteration of appearance (cosmetic surgery).
• Sex-reassignment surgery.
• Surgery for reversal of sterilization, contraception and sterilization procedures.
• Therapeutic abortions.
• Routine periodic health examinations.
• In-vitro fertilization, artificial insemination.
• Acupuncture, acupressure, transcutaneous electro-nerve stimulation (TENS),
moxibustion, biofeedback, hypnotherapy.
• Services to persons covered by other agencies: RCMP, Armed Forces, Workers’
Compensation Board, Department of Veterans Affairs, Correctional Services of Canada
• Services requested by a third party.
• Routine circumcision of newborn.
• Psychiatric or physiatric team conferences when patient is not present.
• Procedures still in the experimental/developmental phase.
• Genetic screening and other genetic investigations, including DNA probes.
• Anaesthetic services and surgical assistant services associated with all of the foregoing.
Effective April 1, 1989, the following additions and deletions were made to the above list
of excluded services:
• “Surgery for reversal of sterilization, contraception and sterilization procedures” was
changed to “Surgery for reversal of sterilization”.
• “Routine periodic health examinations” was revised to “Routine periodic health
examinations including routine eye examinations”.
• “Routine circumcision of newborn” was removed.
• “Psychoanalysis” was removed.
• “Psychiatric or physiatric team conference when patient is not present” was changed
to “Team conference(s)”.
• “Polysomnograms” was removed.
In August 1991, further additions included:
• Lithotripsy for gall bladder stones.
• The treatment of port-wine stains on other than the face or neck, regardless
of the modality of treatment.”
Source: Canadian Institute for Health Information, Reciprocal Billing Report, Canada, 2004–2005, Revised August 2007
(Ottawa: CIHI, 2007). Retreived October 12, 2011 from: http://secure.cihi.ca/cihiweb/products/RB_report_2007_e.pdf
I am an international student
As MSP has three-month waiting period, UVIC has endorsed AON Reed Stenhouse Inc. (AON) as the provider for emergency medical coverage (emergency is defined as an unexpected sickness or injury that requires immediate medical treatment to relieve existing danger to life or health) for international students during the BC MSP three-month waiting period. For detailed information, please click here.
For more information please see Tia's advice on the importance of health insurance from the UVic Global Community Newsletter.
How are the health plan fees determined?
GSS Health and Dental plan fees are established by a referendum of all voting members of the GSS, after the GSS Executive has obtained quotes for various options in coverage. Fee referendums are usually held each Spring for the Health and Dental plan and determine plan cost and priorities.
Health and Dental Cards
Students beginning in September can get their cards as soon as the cards arrive at the GSS general office, usually mid- to late- October. Your coverage begins September 1st, but claims cannot be made until the enrolment list is final, so hang on to your receipts! Students starting in January can pick up their cards in mid February.
Contact the GSS by email: gsoc[at]uvic.ca or by phone: (250) 721-8816 for inquiries about enrolment, benefit coverage or claims problems.
Need a Doctor, Dentist, Naturopath, etc
The GSS cannot recommend doctors, dentists or other practitioners. We strongly recommend you ask other students in your department for recommendations.
Find an optometrist: