Health & Dental

Student health and dental coverage provided in partnership with Alumo.

We’ve Got you Covered!

To help UFV students pay for the health services they need, SUS has partnered with Alumo to provide students with excellent extended health and dental coverage at a great price. The Plan is designed specifically for students to cover the many services that are not covered by the British Columbia Medical Services Plan (BC MSP).

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Everything You Need
to Know about Your
Health &
Dental Plan:

Important
Dates:

  • The Blackout Period is when new student coverage is not yet activated. The student must pay for any medical appointments or procedures new students undergo during this period. Still, after the conclusion of the Blackout Period, students can retroactively submit their claim (with all applicable receipts) to be reimbursed.

  • The Change-of-Coverage Period is when students can apply to opt out of coverage, self-enroll, or add dependents onto their plan. Please note that students registered in the fall semester who choose to keep their SUS Health & Dental Plan cannot opt out during the winter Change-of-Coverage Period. 

Make Changes
To Your Coverage

Need
Assistance?

Alumo Information Centre

1 (236)-757-8020 (Monday – Friday 9 am to 5 pm)

Live chat (Monday – Friday 9 am to 5 pm)

Who’s
Covered?

  • Most full-time students who are members of the Student Union Society (SUS) who begin their studies in the Fall or Winter semester are automatically covered by the SUS Health & Dental Plan. If you are covered, the cost of the Plan will be assessed upon registration for the Fall or Winter semester and will renew at the beginning of the Fall semester

  • You can extend your coverage to your family (spouse and/or dependent children) by enrolling them in the Plan and paying an additional fee, over and above your individual fee as a Plan member. Common law couples are eligible. See the Couple & Family Enrolments section for details.

  • Part-time students and Full-time students enrolled in the Bachelor of General Studies (Police Option) Degree aren't automatically covered by the SUS Health & Dental Plan. They can enrol themselves in the Plan by completing an enrolment process during the Change-of-Coverage Period and paying the fee. See the Self-Enrolment section for more information.

  • Most sponsored students who are registered full-time are automatically enrolled in the SUS Health & Dental Plan. Please note that sponsorship agencies may choose not to cover the cost of the Plan when paying for your tuition and other student fees.

What’s Covered?

Your Plan at a glance

How to Make a Claim

On your
Phone via the Omni App

Omni app by Desjardin lets you securely submit claims easily and conveniently.

The app will allow you to take a snapshot of your receipt and submit it directly from your smartphone in a fully-secure fashion. 

By Mail

Submit your claim form(s) and your original receipts to: Desjardins Insurance, C. P. 3950, Lévis (Québec) G6V 8C6

Directly with Your Practitioner

Present your pay-direct card to your practitioner or pharmacist so they can submit the claim for you. Some professionals are not able to submit claim forms for you, and you will need to submit them yourself.

Your Plan Information

Group name: Student Union Society of the University of the Fraser Valley (SUS)
Group Number: Q1110 
Carrier: 51
Member Number: XXX XXX XXX
(*This is your 9-digit student number)

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Frequently Asked Questions

Opt-outs

  • Once, the proof of alternate coverage has been reviewed and approved, you will receive an opt-out confirmation email which will also indicate the amount to be refunded as opt-out credit.

  • Opt-out refunds are processed shortly after the Change-of-Coverage period (2 – 4 weeks). As this may occur after the payment deadline set by the University, we advise that students pay the full amount of their tuition fee statement (including the plan fees) while awaiting their opt-out credit, in order to incur late charges.

  • Please be advised that if you have successfully completed a permanent opt-out on file, the plan fee billing on your tuition fee statement is only temporary and will be removed after the next scheduled file exchange with the University.

  • Proof of Eligibility is required for students completing a self-enrolment under the plan. The acceptable proof of eligibility document is a copy of the student’s tuition fee statement showing that they are being billed SUS membership fees for the coverage period in which they would like to enrol.

  • Proof of Eligibility is submitted via the coverage manager during the self-enrollment process. A window will pop up and the student will be asked to upload the document. Once the document has been uploaded, the student will receive an email informing them that the document is pending review and another email when the document has been approved or rejected.

  • The opt-out period is the Change-of-Coverage Period where students can opt-out, complete a self-enrollment and/or enrol their spouses and dependents.

    The Fall Semester Change-of-Coverage Period is from August 31 to September 21 and for new students starting in Winter Semester, the Change-of-Coverage Period will be August 23rd - September 20th, 2023.

COUPLE AND FAMILY ENROLLMENTS

  • Yes, students who are covered under the UFV-SUS Health and Dental Plan are able to enroll their spouse and dependents under the plan during the applicable Change-of-Coverage period.

  • No, only students who are covered under the plan are eligible to enroll their spouse/ dependents

  • No, please be advised that while Full-Time students who are members of the Student Union Society (SUS) and who begin their studies in the Fall or Winter semester are automatically billed and covered by the SUS Health & Dental Plan, coverage for spouse/ dependents is not automatically renewed. Eligible students are required to complete a couple/ family enrollment at the start of every new school year, during the applicable Change-of-Coverage Period and by clicking here.

INTERNATIONAL STUDENTS

  • If you’re an international student, you must be covered by the British Columbia Medical Services Plan (MSP) or have equivalent coverage. Without BC MSP or equivalent coverage, you cannot make claims for SUS Health Plan benefits.

    There is a 3-month waiting period before BC MSP coverage begins for new international students when you first arrive in Canada. During this time, a private basic health insurance plan that is comparable to BC MSP is provided through UFV.

  • International students are automatically covered provided they are full time students who are members of the Student Union Society (SUS) and who begin their studies in the Fall or Winter semester.

  • The first step is to verify that you’re being billed the SUS Health and Dental Plan fees. Then you need to verify that you are enrolled under provincial coverage (BC MSP or equivalent coverage). You may then visit our website studentcare.ca to obtain more information on your plan, the benefits accessible to you and how to claim for eligible expenses.

SELF ENROLMENT

  • Part-time students; Students enrolled in the Bachelor of General Studies (Police Option) Degree; SUS members who are not automatically billed the plan fees in their tuition fee statements; Students who identify as having a disability are recognized by the University of the Fraser Valley (UFV) as full-time students at 6 credits and are eligible to enrol themselves in the Plan at the full-time student rate.

  • Eligible students can self-enroll by visiting our website studentcare.ca and accessing the coverage manager during the applicable Change-of-Coverage Period.

  • The acceptable proof of eligibility document is a copy of the student’s tuition fee statement showing that they are being billed SUS membership fees for the coverage period in which they would like to enroll.

  • Once the Proof of Eligibility is approved, the student will receive an automated confirmation email containing information on how to complete payment of the plan fees.

  • Yes, students who complete a permanent opt-out of the plan may opt back in during the Change-of-Coverage Period applicable to them. However, these students will be required to pay an administrative fee, which is 50% of the annual plan fee, in addition to the annual plan fee.

CLAIMS

  • Once you’ve registered and logged in to the secure site, you can view your claim’s status by selecting “Processed claims” under the “Claims history” section in the menu at the top.

  • Claims must be received by Desjardins Insurance within 12 months of the date the service was incurred. E.g. If you visit a health practitioner on Sept. 30, 2021, you have until Sept. 30, 2022 to submit the claim for that visit.

COMBINING PLANS + COORDINATING BENEFITS

  • If you are 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%.

  • A) Coordinating your student coverage with your coverage through a parent's or spouse's plan

    1. Make two copies of all applicable receipts. Keep one for your records.

    2. Important: send the original receipt(s) along with the appropriate claim form to Desjardins Insurance, the insurer associated with your student Plan.

    3. Once your claim has been processed, you will receive a claim statement from Desjardins Insurance. Keep the original for your records. Send the appropriate claim form, along with a copy of the claim statement and a copy of the applicable receipts from Step 1 to the insurer associated with your parent's or spouse's plan.

    4. You will receive the applicable reimbursement with another claim statement from that insurer.

    B) Coordinating your student coverage with your coverage through your employer

    1. Make two copies of all applicable receipts. Keep one for your records.

    2. Important: send the original receipt(s) along with the appropriate claim form to the insurer associated with your employer’s plan.

    3. Once your claim has been processed, you will receive a claim statement from that insurer. Keep the original for your records. Send the appropriate claim form, along with a copy of the claim statement and a copy of the applicable receipts from Step 1 to Desjardins Insurance, the insurer associated with your student Plan.

    4. You will receive the applicable reimbursement with another claim statement from Desjardins Insurance.

OTHER INFO

  • All students who are billed the plan fees will have access to the plan benefits until the end of the policy year (August 31st) even if they graduate during the year.

  • Co-operative Education students on a work term hold full-time student status and are automatically billed the plan fees in their tuition fee statement. Please verify the plan fee billing on your tuition fee statement at the beginning of the academic year.

  • Students who become part-time students because of a drop in course load may lose their coverage. However, these students may complete a self-enrollment within 30 days of coverage loss so that they may have their coverage reinstated. Please verify the plan fee billing on your tuition fee statement and contact Studentcare in order to request for coverage to be reinstated.