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This website has been updated for the 2021-2022 policy year (Sept. 1, 2021 - Aug. 31, 2022). For information on the 2020-2021 policy year, click here .
Click here for an FAQ on Plan coverage related to COVID-19 that will be continually updated as we monitor the situation.
        
   

FAQ

The following frequently asked questions are posted to help you better understand the Plan.

Opt Outs and Coverage Changes

Can I opt out or change my coverage?

Yes. During the Change-of-Coverage & Opt-Out Period, you can opt out of the Plan either partially or completely. Only new Winter Term students can opt out during the Winter Change-of-Coverage & Opt-Out Period.

How do I opt out or change my coverage?

All opt outs and coverage changes are done online through the website by clicking here. You’ll need your student ID number and your date of birth. Changing your coverage  online ensures quick processing and allows you to receive an instant confirmation of your changes.

How do I know if my opt out or coverage change is complete?

After you’ve successfully changed your coverage, you'll receive an automated confirmation email once it’s complete. If you don’t receive a confirmation email by the end of the Change-of-Coverage & Opt-Out Period, please contact the Care Centre.

How do I get my refund?

Students who opt out before Aug. 26, 2021 will have the Plan fee reversed from their student account by the tuition fee payment deadline. Students who complete an opt out between Aug. 26, 2021 – Sept. 29, 2021 will have the Plan fee credited to their student account shortly after the end of the Change-of-Coverage & Opt-Out Period. For more information and for new Winter Term student deadlines, click here.

Self Enrolment

How can I enrol myself in the Plan?

All self-enrolments are done online through the website by clicking here. You’ll need your student ID number and your date of birth. Self-enrolling online ensures quick processing and allows you to receive an instant confirmation of your self-enrolment request.

What kind of documents do I need to provide?

If the university didn’t bill you automatically but you’re eligible for the Plan, you must provide proof of eligibility (“Invoice/Facture”) during the online self-enrolment process.

When will I receive payment instructions for my online self-enrolment?

Once your self-enrolment and proof of eligibility documents have been reviewed, you’ll receive an automated email with payment instructions and a deadline during or shortly after the Change-of-Coverage & Opt-Out Period.

I’m an international student who was automatically enrolled in the Dental Plan; can I enrol myself in the Health Plan?

Yes, if you’re an international student who is eligible for the dental portion of the Plan and have been granted a Quebec Medicare card (RAMQ), you may also enrol yourself in the health portion of the Plan by completing our Enrolment Form which is available online, during the appropriate Change-of-Coverage & Opt-Out Period. You’ll be required to provide a copy of your RAMQ card during the enrolment process.

How long is my self-enrolment valid for?

All self-enrolments for Fall Term students are valid from Sept. 1, 2021 – Aug. 31, 2022. New eligible Winter Term students may enrol themselves in the Plan for coverage between Jan. 1 – Aug. 31, 2022.

Couple & Family Enrolments

Can I enrol my family in the Plan?

Your Plan gives you the option to enrol your family (spouse and/or dependent children) during the Change-of-Coverage & Opt-Out Period by completing an enrolment process and by paying an additional fee, over and above your individual fee as a Plan member, through the website by clicking here. Common law couples are eligible. Only new Winter Term students can enrol their dependants during the Winter Change-of-Coverage & Opt-Out Period.

Can I enrol all my family members?

Your Plan gives you the option to enrol your dependent children and/or your spouse. You can only cover one spouse at a time.

Can I opt out and enrol my family members?

No, you must remain covered by the Plan in order to enrol your eligible family members. Dependants’ coverage must be equal to or lesser than the Plan member’s coverage.

Will their coverage automatically be renewed next year?

Coverage is only for the current policy year. If you want to cover your dependants in subsequent policy years, you must renew your couple/family coverage during the Change-of-Coverage & Opt-Out Period at the beginning of each school year.

Claiming

What are the different ways I can claim?

You can claim online by downloading the Studentcare mobile app. Alternatively, you can also submit your receipts and paper claims directly to Desjardins Insurance by mail. For more information, click here.  

What’s an Explanation of Benefits?

An explanation of benefits (EOB) statement tells you what portion of a claim was paid to the health-care provider and what portion you must pay. Once your claim has been processed, you’ll receive an EOB from your insurer either electronically or by mail.

What is my Certificate Number?

Your Certificate Number is your 9-digit student ID number.

How do I register for direct deposit?

Once you’ve submitted your first claim and it’s been processed, you can register for direct deposit. You must first create an online account with Desjardins Insurance. Visit Desjardins Insurance's secure portal byclicking here. You'll be asked to enter your Group Number and your Certificate Number. For more information, click here.

How do I track and view my claims history?

Once you’ve submitted your first claim and it’s been processed, you can register for an online account with Desjardins Insurance, which will allow you to track and view details of your claims. Visit Desjardins Insurance's secure portal by clicking here. You'll be asked to enter your Group Number and your Certificate Number. For more information, click here.

Is there a claiming deadline?

Yes, all health and dental claims must be received by Desjardins Insurance no later than 90 days after the end of the policy year in which the claims were incurred or 90 days after the end of your coverage, whichever is sooner. Full-year coverage for this policy year ends Aug. 31, 2022. For more information and last year’s deadlines, click here.

Prescription Drugs

Does my plan cover prescription drugs?

Yes, prescription drug coverage is available through the MACES Plan  for certain oral contraceptives and antidepressants that aren't covered by RAMQ. For more information, click here.

I’m a Quebec resident (or an international student who is now a resident of Quebec). Does the Plan cover my prescription drugs?

In order to claim for prescription drugs covered by your Plan, you must first be covered by RAMQor a private or public drug insurance plan. For more information, click here

How do I know if my drug is eligible for coverage under my Plan?

To find out if a specific drug is covered, contact the Care Centre with both the name of the drug and its Drug Identification Number (DIN).

I don’t have access to prescription drug coverage through a private plan. What do I do?

If you don’t have access to a private or public drug plan (through your employer, parents, or spouse), you must register for the RAMQ Public Prescription Drug Insurance Plan. For more information, click here.

How do I claim for my oral contraceptives and antidepressants?

All claims for oral contraceptives and antidepressants must first be submitted to a parent’s or spouse’s/employee plan or to RAMQ before being submitted to the student Health Plan.Quebec residents can be covered for up to 100% of eligible prescription drug costs by combining their private/RAMQ drug coverage and their student Health Plan. For more information, click here.

Studentcare Networks

What are the Studentcare Networks?

The Studentcare Networks are composed of different types of health and dental practitioners conveniently located in your area and other regions of Canada. Their commitment to helping students provides you with the option of paying less for their services. Studentcare Networks savings work in addition to your insured benefits so that you can save even more money.

Do I have to see a Studentcare Networks professional?

You’re not limited to Studentcare Networks members. You’re covered for the insured portion regardless of the practitioner you choose. By consulting a member of the Studentcare Networks, you’ll get additional coverage.

Out-of-Province Students

Can I access the Plan benefits if I move to Quebec but keep my home provincial health care?

Yes, you can access your Plan benefits if you have access to any Canadian provincial health-care coverage.

Can I access the prescription drug coverage even with my health care from another province?

If you’re covered by health care from another province, you can still claim for prescription drug costs under your student Health Plan. For coverage details, click here.

Can I use the Plan benefits anywhere in Canada?

Yes, you can use your Plan benefits anywhere in Canada. For more information on how to claim, click here.

Combining Plans & Coordinating Benefits

Can I coordinate benefits with another plan?

Yes, if you’re covered by another extended plan in addition to your student Plan (e.g. through a parent's or spouse's employer, or your own employer), you may coordinate the benefits in order to increase your overall coverage, up to 100%.

How do I coordinate benefits with my employee plan?

If you’re covered by your employer in addition to a student Plan, your employee plan is your primary plan. All claims must first be submitted to your employee plan, and then the remaining balance can be sent to your student Plan. For step-by-step instructions,click here.

How do I coordinate benefits with my parent’s or spouse’s plan?


If you’re covered by your spouse’s or parent’s plan in addition to a student Plan, your student Plan is your primary plan. All claims must first be submitted to your student Plan, and then the remaining balance can be sent to your spouse’s or parent’s plan. For step-by-step instructions, click here.

Opt Out

Can I opt out of the Legal Protection Program?

Yes. During the Change-of-Coverage Period you can opt out of the Legal Protection Program online by clicking here. You will be required to select your student association and provide your valid student ID and date of birth. Once your opt out is complete, you will receive a Legal Protection Program opt-out confirmation email. Please note: opting out of the Legal Protection Program will not affect your other MACES Health & Dental Plan benefits. Should you wish to change your Health & Dental Plan coverage, please click here for more information. 

Can I opt out of Virtual Health Care Dialogue?

Yes. During the Change-of-Coverage & Opt-Out Period, you can opt out of Virtual Health Care (Dialogue) online by clicking here. You will be required to select your student association and provide your valid student ID and date of birth. Once your opt out is complete, you will receive a Virtual Health Care opt-out confirmation email. Please note: opting out of Virtual Health Care will not affect your other MACES Health & Dental Plan benefits. Should you wish to change your Health & Dental Plan coverage, please click here for more information. 

You still have some unanswered questions?
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