Health Plan
Health and dental plans were approved by student referendum making them a requirement of enrolment at RDC. The cost of the plans is included in your fees, provided you meet the eligibility requirements for enrolment.
If you have other extended health and/or dental coverage, you are given one opportunity a year to waive the Student Benefits Plan. The required waiver form (available at the Cashiers’ Office, on our website, by fax or in person through the contact information below) must be completed and submitted to the SARDC Student Benefits Office (403-356-4982) by the opt-out deadline.
FREQUENTLY ASKED QUESTIONS
Who is eligible for the Student Benefits Plan?
One of the services provided to members of the Students’ Association of Red Deer College is a Health and Managed Dental Benefits Plan. Students who are full-time (minimum of 9 billable credits) in the fall term and have been assessed the SA Health and Dental Plan fees are included in the Student Benefits Plan. Students starting in the winter term (not a student in the previous fall term) are not included in the benefits plan for the current year.
Does this plan include my provincial health care?
Basic provincial health care fees are not included in the extended health and dental fees. Students are responsible for maintaining their own provincial health care.
Can I get coverage for my family?
To add a spouse and/or child to the plan the student must complete a form and pay for those added at the Student Benefits Plan Office before the September deadline
What is the benefit year?
The SA Student Health & Dental plan benefit year is September 1st to August 31st.
I have other extended health and dental coverage. Can I opt-out of the Student Benefits Plan?
If you have other comparable coverage you can opt-out of either or both of the extended health and dental plans. You must submit a waiver form with confirmation of your other coverage by the September deadline.
Where do I get a waiver form?
Waiver forms are available at the Student Benefits Office, the Cashiers’ Office or on the Gallivan website www.gallivan.ca
Can I fax or mail my waiver form and confirmation of other coverage?
You can fax or mail you waiver and confirmation but it is your responsibility to make sure it is received by the Student Benefits Office before the September deadline.
Do I have to hand a waiver in every year if I have alternate coverage?
Waivers are carried forward for students who are full-time (9 billable credits or more) in the fall term and attending Red Deer College in consecutive years. It is your responsibility to confirm your opt-out status with the Student Benefits Plan Office before the September deadline.
I don’t have other coverage any more. How can I get back into the benefit plans?
If you lose alternate coverage you can opt back into the plans on the anniversary of the benefit plans. You must contact the Student Benefits Plan Office and fill out a form before the September deadline. Payment of the fees alone will not re-activate your coverage.
If you lose your coverage during the benefit year you can re-activate your health and dental coverage within 30 days of loss of coverage. You need to contact the Student Benefits Plan Office to re-activate your coverage and pay for the plans.
I submitted a waiver form last year. Why am I still being charged for the Health and Dental Plans on my RDC fall statement?
All students eligible to be included in the plans have the fees included on their fee statement whether they have submitted a waiver form or not. A credit entry is made on the students RDC account in October if a waiver has been submitted to the Student Benefits Office before the September deadline. It is the responsibility of the student to make sure they have submitted a waiver form before the deadline.
Do I have to pay for the health and dental plans if I am going to waive the benefits?
No, but you must have a waiver on file with the Student Benefits Office before the September deadline or the fees will be outstanding on your RDC account.
I paid for the Student Benefits Plan and submitted a waiver. How do I get my money back?
By late October your RDC account will show a credit which you can leave to be applied against winter term tuition or you can contact the Cashiers’ Office to make other arrangements.
I took a year off. Do I need to submit another waiver?
Yes, you need to submit another waiver. The waiver only carries forward from year to year as long as you are eligible to be in the plans so you must be a full time student in the fall term from year to year. If you don’t know if your waiver is carrying forward you must contact the Student Benefits Office before the September deadline to find out.
Where do I get my prescription pay-direct benefit card, benefit plan information and claim forms?
Go to our website www.gallivan.ca or visit the Student Benefits Plan Office:
Rm 2010A, Students’ Association Box 5005 Red Deer, Alberta, T4N 5H5. Phone (403) 356-4982 fax (403) 342-2834 email:sardcplan@gallivan.ca
Can I access my claim and benefit information online?
GroupNet allows students to access claim and benefit information online. You can sign up for direct deposit of claim reimbursements and access personalized pre-filled claim forms. To do this go to www.gallivan.ca and locate Client & Plan Member sign in.
Is there a deadline to submit claims by?
All claims must be submitted within 90 days of the end of the benefit year. Original receipts and prescriptions must be submitted with the claim. Make sure you keep a copy of all your original documents.
How do I make a dental appointment?
Phone Concept Dental 403-347-2377. Tell the receptionist that you are a RDC student and provide your name, RDC ID # and your phone number.
Why is there a specific dentist?
The SA chose a managed plan because it is a cost effective method for providing dental care. Students only pay for treatment not covered and there is no need to submit a claim to an insurance company for compensation for work done at Concept Dental. Students on the University of Calgary Student Benefits Plan attending Red Deer College also use this dentist.
What if I have a dental emergency when I am not in Red Deer?
If an emergency exam is required by a covered person, who at the time of incident and exam is more than eighty (80) kilometers away from Red Deer, payment will be limited to that of an emergency exam and single periapical x-ray. The maximum amount payable will be $75 per covered person. A claim form supplied by the dentist who carried out the treatment and receipts must be submitted to the Student Benefits Office.
What if the dental emergency is the result of a dental accident?
Coverage for a dental accident is provided for under the Extended Health Benefit. An estimate for all dental accident services must be submitted to Great -West Life. If you go ahead with treatment without a pre-determination being approved, you are doing so at the risk of the expenses being yours. This treatment does not have to be carried out by Concept Dental.
Is there coverage for vision exams?
There is vision coverage in the health plan. Coverage is 100% reimbursement up to a maximum of $60 every 24 months for one eye exam and $100 every 24 months for eye glasses or contact lenses. Information regarding Preferred Vision Services is available at the Student Benefits Plan Office and at www.gallivan.ca
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