This summary guide outlines major aspects of the Benefits plan and its administration. For specific details on coverage, exclusions and eligibility please refer to the Health and Dental Benefits Guide. Where there are discrepancies between this summary and the 2011 Benefits Guide, the guide is accurate.
WHO IS ELIGIBLE:
Eligibility is determined by the number of credits you are registered in by September 28; F/T equals full-time and means you are registered in 3.5 or more credits. If you are eligible you will automatically be charged for, and enrolled into, the Benefits Plan:
UNDERGRADUATE F/T (SEPTEMBER START ONLY)
CONSECUTIVE EDUCATION F/T AND P/T
*Students with disabilities, exchange students and year abroad students please refer to the full Benefits Guide for complete details regarding the benefits and your student status.
HOW MUCH DO THE BENEFITS COST?
Eligible students pay $262 as an annual levy fee for the TCSA Health and Dental Benefits Plan ($150 for health and $112 for dental).
OPT OUT
Students may opt out with alternative coverage by visiting trentcentral.ca in the month of September. Opt out cheques or Direct Deposits will be made available in November. Students who had opt-out status last year, and received a refund, do not need to opt out again; your status will carry forward automatically.
OPT-IN
Students who have opted out in previous years can opt back into the plan either in the month of September, or within 30 days of losing their alternative coverage, at trentcentral.ca.
WHEN DOES COVERAGE START AND END?
Coverage begins on September 1 and ends on August 31 of the following year.
Although coverage begins on September 1, students are unable to submit claims or use their benefit cards until approximately October 15.Save your receipts during this time and submit them for reimbursement once the plan is live. For details on how to have your benefits activated early, please contact the benefits office.
CAN I ADD DEPENDENTS TO THE PLAN?
Dependents may be added in the month of September, or within thirty days of losing alternative coverage or adding a family member, by visiting trentcentral.ca.
HOW DO I USE THE PLAN?
Pick up or print your benefits card and claims forms in our office or at trentcentral.ca. Providers (dentists etc.) can use the benefits card to submit claims electronically for you; you will be charged only what fees are outstanding i.e. 20%. Claims can be mailed to the address on the claim form or dropped off at the TCSA office. You will need:
PLAN#:515648
CERTIFICATE#:000+your student number+J (ten digits)
PROVIDER:Claimsecure
CAN I COORDINATE THIS PLAN WITH ANOTHER?
Yes. Please see the full Benefits Guide for details.
WHAT IF I HAVE QUESTIONS?
Claims and coverage information:
ACL Student Benefits
1-800-315-1108
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Administration:
Tracy Milne
Benefits Administrator
705-748-1000
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Rates:
Number of depends coverage: 1 2 3 >3
Health & Dental: $262 $393 $524 $655
Summary of Coverage:
Health:
Prescription medication: 80% ($3000 yearly max)
Paramedical 80% with $300 max/discipline:
Massage
Chiropractor
Chiropodist/podiatrist
Orthodics
Physiotherapist
Counselling (psychologists including MSW): $50/visit, $500 max/year)
Eye Exams: 80% with an $80 max once every 24 consecutive months
Eye Wear (glasses or contacts): $80 once every 24 consecutive months (TCSA administered)
Ambulance
Accident Benefits
Travel Benefits
Dental ($1000 maximum):
Basic and Preventative 80%
Exams
X-rays
One unit of cleaning
One unit of polishing
Four units of scaling
One fluoride treatement
Minor restorative 80%
fillings
Space maintainers
Extractions and oral surgery 50%
Two wisdom teeth
Endodontics 50%
Root canal therapy
Root amputation
Periodontics 50%
Major restorative 15%
Crowns
Bridges
Dentures
