You can opt out of the Health & Dental Plan (if you’re already covered by an equivalent health and dental plan such as a parent's or spouse’s employee benefit plan) or choose a different level of coverage during the Change-of-Coverage Period. Only new Winter Term students can opt out or choose a different level of coverage during the Winter Change-of-Coverage Period,and only new Summer Term students can opt out or choose a different level of coverage during theSummer Change-of-Coverage Period.

All opt outs are done online through our websitehere. You’ll need your student ID number and your date of birth. Opting out online ensures quick processing and allows you to receive an instant confirmation of your opt out.

After you have successfully opted out of the Plan, you'll receive an automated confirmation email once your opt out is complete. If you don’t receive an opt out confirmation email by the end of the appropriate Change-of-Coverage Period, please contact the Care Centre.

If you successfully opt out of the Plan, you’ll receive a refund for the amount of the Plan fee on your tuition statement shortly after the appropriate Change-of-Coverage Period.

You’re responsible for paying all university fees within the prescribed deadlines. If you don’t pay the SOGS Plan fee, you may be assessed late fees and interest. We recommend that you pay all university fees, even if you’re opting out of the SOGS Health & Dental Plan. If you successfully opt out, you’ll receive a refund for the amount of the Plan fee on your tuition statement shortly after the appropriate Change-of-Coverage Period.

Most self-enrolments are done online during the appropriate Change-of-Coverage Period through our 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. Some categories of students may not be eligible to use the online coverage manager and can complete an enrolment process through SOGS instead—please click herefor more information.

If the university didn’t bill you automatically but you’re eligible for the Plan, you must provide proof of eligibility during the online self-enrolment process.

Once your online 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 appropriate Change-of-Coverage Period.

All self-enrolments for Fall Term students are valid from Sept. 1, 2023 – Aug. 31, 2024. New eligible Winter Term students may enrol themselves in the Plan for coverage from Jan. 1 – Aug. 31, 2024. New Summer Term students may enrol themselves in the Plan for coverage from May 1 – Aug. 31, 2024.

Yes, your Plan gives you the option to enrol your family (spouse and/or dependent children) during the appropriateChange-of-Coverage Period by completing an enrolment process and by paying an additional fee, over and above your individual fee as a Plan member, through our website by clicking here. Common law couples are eligible.

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

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.

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 appropriate Change-of-Coverage Period at the beginning of each school year.

You can submit claims quickly and easily on the go through Desjardins Insurance’s Omni^TM mobile app available on the App Store or Google Play.Alternatively, you can also submit your receipts and paper claims directly to Desjardins Insurance by mail, or online through Desjardins Insurance’s secure web portal. For more information, click here. 

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.

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

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 by clicking here. You'll be asked to enter your Group Number and your Certificate Number. For more information, click here.

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.

Yes, Desjardins Insurance must receive your claim within 12 months of the date the service was incurred. For more information and last year’s deadlines, click here.

To find out if a drug is eligible for coverage under the Plan, please log into your secure Desjardins portal or Omni app. Next, access the drug cost simulator and pharmacy value finder tool under Coverage Information/Drug Coverage. In just a few seconds, you can see whether or not a drug is covered, the drug’s average cost, and more.

Your group number for health and dental benefits is Q1109 (insured by Desjardins Insurance). Your group number for travel benefits is 97180 (administered by Blue Cross Life Insurance Company of Canada).

The SOGS Health Plan Covers most medications legally requiring a prescription. Certain prescription drugs may require prior approval; your pharmacist is aware of the drugs that fall into this category. For more information, including prescription drug coverage maximums, pleaseclick here.

By presenting the Pay-Direct Card with your valid student ID card, you can fill your prescriptions at most Canadian pharmacies. The pharmacist will be able to process the claim immediately, so you won’t have to pay the full amount up front and wait to be reimbursed.

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.

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.

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

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

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%.

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.

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.