FAQ's |
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Frequently Asked Questions
Are Natural Medicines covered under the Health Plan?
No, natural medicines are NOT covered under the MSU Health Insurance Plan.
What coverage do I have under Dental?
For detailed information about Dental Insurance coverage, please visit our website at www.msu.mcmaster.ca/health/dental. The Health Insurance plan only covers accidental dental insurance as detailed on the Points of Interest page.
Why did the pharmacy tell me that I am not covered when I have paid my fees?
We do have a "black out period" during the month of September while the opt out period is in effect. If you are picking up a prescription during the month of September, please note that the participating pharmacies will require you to pay for the prescription in full and submit to the Insurance company for reimbursement. If you send in a claim during this time, a reimbursement cheque will not be issued until mid-October.
This Insurance plan only covers full-time undergraduate students enrolled in 18 units or more, so if you are a part-time or graduate student, you will not be on these lists.
If you are still not on the student list at a participating pharmacy after the opt out period, for some reason the computer misses students who should be covered. If this is the case, please contact Maureene Ninham at 905-525-9140 ext. 23251 or via email at adminasst@msu.mcmaster.ca for more information about your concern.
What are the prescription drugs that are covered under the Health Plan?
We cover so many prescription medicines, it is better for us to list what we DO NOT cover, which includes the following:
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- Preventative medicines |
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- Contraceptives |
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- Anti-smoking medicines |
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- Hair loss drugs |
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- Weight loss drugs |
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- Over-the-counter drugs, whether prescribed or not, or vaccines; except those drugs prescribed in the treatment of arthritis, acne, allergies, vaginal yeast infections, and diabetes (including insulin, syringes, and diagnostic kits). |
How do I submit other types of claims, such as Accidental benefits?
Accident claims (such as physio, braces, dental, chiro, etc) should be paid for by the Insured (student), in full at the time of the treatment. There is only coverage for accident claims if they are due to an accident which happened while the Insured was covered under the Health Plan. You must obtain a claim form, fill out section 3 of the form, and send the claim form with the original receipts to the Plan Administrator for reimbursement.
If I opt out of the plan, can I opt back in, in the event of a situation change?
No there is no "opt in" option to the plan. So it is wise to keep the Health Plan just as a back up.
Why are contraceptives not covered under this Health Plan?
We do not cover contraceptives because it keeps the Health Plan cost down to $45.00 per student for the full 12 month’s coverage. If we were to add the inclusion of contraceptives, we would have to increase the premium for the Health Plan as contraceptives can be quite pricey. The Student Wellness Centre does however offer contraceptives at a discounted rate with volume discount pricing for McMaster students to utilize.
Can I pay for additional coverage (i.e. orthodics, etc) at an extra cost?
The only coverage that the plan offers is what is detailed on this website. There can be no increases or decreases in coverage.