We match you with mondy for school
join studentawards | the forum | membership benefits | surveys français? visitez boursetudes.com  
Welcome Guest to the Studentawards Forum Forum Home | Search | Active Topics | Forum Members | Forum Log In | Forum Register

University Health Insurance... Is it a Scam? Options
joggler
Posted: July 23, 2008 11:08:37 AM

Rank: Senior Student
Groups: Member

Joined: 3/4/2008
Posts: 146
Location: Canada
I was looking at my statement of account and found the university's health insurance plan. It's 96 bucks and you can opt out of it if your parent has a similar health plan. It seems as though this is an unnecessary cost. Should I opt out?
Kaylya
Posted: July 23, 2008 11:12:52 AM

Rank: Student Body President
Groups: Member

Joined: 3/4/2008
Posts: 2,575
Location: Ottawa
If you are covered by another plan, there's no need to be covered by two. It's also quite likely that your parents plan covers more, particularly if the university plan is only $96 (other plans I've seen are twice that.. at $96 it makes me think there are likely some pretty serious limits on coverage)

FAQ's:
1. Will I get in? See: electronicinfo.ca for Ontario schools. If you have a couple percent above the marks there and it's not looking at supplementary, the answer is almost certainly yes.
2. Anything else: Google it before asking.
TaintedKane
Posted: July 23, 2008 11:50:51 AM

Rank: Student Body President
Groups: Member

Joined: 3/7/2008
Posts: 1,543
Location: Newmarket
My family doesn't have a plan so its great for me

York's Health insurance is pretty awesome

The plan offers 80% coverage on prescription drugs and birth control; coverage on items such as physiotherapy, massage, chiropractor, and naturopathy; and up to $450 of coverage for dental work. Many of the plan benefits also support health promotion and illness prevention, such as annual dental cleaning and maintenance medication

I really wished Canada was more Socialist like Europe ><
Juiced8
Posted: July 23, 2008 1:25:15 PM

Rank: Senior Student
Groups: Member

Joined: 3/5/2008
Posts: 289
Location: Montreal, Quebec
TaintedKane wrote:

I really wished Canada was more Socialist like Europe ><


Easy there....just thank your lucky stars your not in the US. But yeah that would be sweet.

Mcgill BSc 2011
NEM99
Posted: July 23, 2008 1:58:50 PM
Rank: Student Body Vice-President
Groups: Member

Joined: 3/4/2008
Posts: 955
Location: Alberta
TaintedKane wrote:
I really wished Canada was more Socialist like Europe ><


Are you serious? I don't think I could handle that. Higher taxes and more equality? No thanks.

Taiyab wrote: Is it me, or is Karla Homolka gorgeous!

Lamoid wrote: SHE HAS A KILLER BODY.
blue
Posted: July 23, 2008 2:52:54 PM
Rank: Senior Student
Groups: Member

Joined: 3/8/2008
Posts: 105
$70 for teeth cleanings, $75 for contact lenses, a couple hundred for physiotherapist... sounds like a good deal to me!
Miss
Posted: July 23, 2008 9:31:28 PM

Rank: Student Body President
Groups: Member

Joined: 3/24/2008
Posts: 1,254
Location: kingston
yeah, i was reading thru the queen's plan and it sounded pretty good. altogether 100% coverage for dental checkups and fillings up to $1000, covered vaccines and 80% on prescriptions, 100% of accident-caused orthotics, etc. it's close to $200 but I think it's worth it, if you got 2 teeth filled, or had a sports injury, and needed a checkup/meds/physio you'd definitely get your money's worth.

Queen's Engineering 2012
_______________________________________
"....Did you get that's King Lear?"
Kaylya
Posted: July 24, 2008 12:12:32 PM

Rank: Student Body President
Groups: Member

Joined: 3/4/2008
Posts: 2,575
Location: Ottawa
Miss wrote:
yeah, i was reading thru the queen's plan and it sounded pretty good. altogether 100% coverage for dental checkups and fillings up to $1000, covered vaccines and 80% on prescriptions, 100% of accident-caused orthotics, etc. it's close to $200 but I think it's worth it, if you got 2 teeth filled, or had a sports injury, and needed a checkup/meds/physio you'd definitely get your money's worth.


The thing is the limit of $1000. Realistically I'd be more concerned about anything after $1000 than everything up to $1000. I'm pretty sure if you get your teeth smashed out by a hockey puck it would take more than $1000 to make you pretty again ;)

FAQ's:
1. Will I get in? See: electronicinfo.ca for Ontario schools. If you have a couple percent above the marks there and it's not looking at supplementary, the answer is almost certainly yes.
2. Anything else: Google it before asking.
Trenna
Posted: July 24, 2008 3:57:31 PM
Rank: Frosh
Groups: Member

Joined: 7/24/2008
Posts: 3
Location: Dresden/Chatham ON
If you don't have a health insurance plan (ie/ didn't go to college/university right after graduating highschool) they are a good deal.

St Clair College- Thames Campus- Developmental Service Worker
Josh
Posted: July 27, 2008 10:36:49 AM

Rank: Student Council
Groups: Member

Joined: 3/4/2008
Posts: 344
if i already payed my tuition can i still opt out??????????? i am already covered by a health plan.

UWO Biomed/Ivey '12
ACTH
Posted: July 27, 2008 11:23:14 AM

Rank: Student Council
Groups: Member

Joined: 4/4/2008
Posts: 478
Location: Whitby
Josh wrote:
if i already payed my tuition can i still opt out??????????? i am already covered by a health plan.



http://www.usc.uwo.ca/health/opt-out.htm

UWO 2012 - Biological & Medical Science big grin
UWO > Every other school
TaintedKane
Posted: August 15, 2008 9:50:24 PM

Rank: Student Body President
Groups: Member

Joined: 3/7/2008
Posts: 1,543
Location: Newmarket
I don't understand something. How does the health insurance work? I've never had Health insurance before.
GGG
Posted: August 15, 2008 9:57:43 PM
Rank: Student Body President
Groups: Member

Joined: 3/5/2008
Posts: 1,860
TaintedKane wrote:
I don't understand something. How does the health insurance work? I've never had Health insurance before.


if you get a prescription drugs, your insurance pays for a portion? like 60% +?
say you need a really expensive medication for your allergies that cost $100 a month, but with insurance, you would actually pay $0 or very little like $10.
TaintedKane
Posted: August 15, 2008 10:06:15 PM

Rank: Student Body President
Groups: Member

Joined: 3/7/2008
Posts: 1,543
Location: Newmarket
No I mean how do they know you have insurance? Do you give your health care and it says you have it. or do you give them your York card? or do you give them a special card? I don't know how to use it
Legit
Posted: August 17, 2008 3:01:45 AM
Rank: Senior Student
Groups: Member

Joined: 4/27/2008
Posts: 52
Location: toronto
^ usually there are two ways of doing it.
the first is paying the bill for whatever and then submitting it to the insurance company, then they will send you a check for the amount they cover.
the other is they already have your insurance info on file and they submit it and you pay the difference.
seventfold
Posted: August 22, 2008 1:08:34 AM
Rank: Frosh
Groups: Member

Joined: 8/22/2008
Posts: 8
Location: London
ACTH wrote:
Josh wrote:
if i already payed my tuition can i still opt out??????????? i am already covered by a health plan.



http://www.usc.uwo.ca/health/opt-out.htm


i have a question concerning the opt-out tho. apparently you have to show proof of having a similar type of insurance, but never specifying where to show it. does anyone know about this, and is there a deadline to this type of thing?
i have already opted out. now all i have to do is get my money back (i already have payed my full tuition before doing this)
Kaylya
Posted: August 22, 2008 9:15:33 AM

Rank: Student Body President
Groups: Member

Joined: 3/4/2008
Posts: 2,575
Location: Ottawa
The link in the post above specifies that information for Western - if you're at a different school you'd need to tell us which one to get specific information. In general you'd need to opt out sometime before the end of September or so.

FAQ's:
1. Will I get in? See: electronicinfo.ca for Ontario schools. If you have a couple percent above the marks there and it's not looking at supplementary, the answer is almost certainly yes.
2. Anything else: Google it before asking.
TaintedKane
Posted: August 22, 2008 10:08:34 AM

Rank: Student Body President
Groups: Member

Joined: 3/7/2008
Posts: 1,543
Location: Newmarket
At york opt out deadline is I think around October
LaVitaeBella
Posted: May 2, 2009 8:04:44 PM

Rank: Student Body President
Groups: Member

Joined: 11/21/2008
Posts: 1,710
does this work between provinces? e.g. my mom's ontario health insurance totally covers my costs; i don't want to pay the 800$ for BC's health insurance if i don't have to
definitelymaybe1991
Posted: May 3, 2009 12:03:28 PM

Rank: Student Council
Groups: Member

Joined: 12/20/2008
Posts: 369
Location: toronto
TaintedKane wrote:
I don't understand something. How does the health insurance work? I've never had Health insurance before.


How have you not had health insurance before?

If you're Canadian the requirement is there lol. Under the Canada Health Act, unless i'm wrong or remembering it incorrectly.

UWO Political Science/Ivey AEO 2013



Forum Jump

Powered by Yet Another Forum.net
Copyright © 2003-2006 Yet Another Forum.net. All rights reserved.
Copyright © 1998-2008 studentawards.com & boursetudes.com - Studentawards Inc. All rights reserved.