Health & Dental Plan

Cumberland College is pleased to offer a health and dental insurance program, in partnership with Gallivan & Associates, for full-time post-secondary students who pay tuition directly to Cumberland College. Students pay $252 per year as part of their tuition for this extended coverage. Once paid, coverage is for a full year from the first day of the month in which your program starts.  

If you have comparable coverage through another provider, you can opt out of the health and dental plans within 30 days from the first day your class begins. However, you will still be required to pay the Health and Dental fee as part of your mandatory tuition fees. You will be refunded your student health plan fees once your opt out has been approved. There are no exceptions or extensions for the 30 day opt out policy.

What are my benefits?

Below is a general list of coverage. For a more comprehensive list of eligible programs, information on accessing or withdrawing form coverage or to make a claim visit  mystudentplan.ca/cumberland/en/home

• Ambulance Services
• Prescription Drugs
• Vision and Dental Care
• Massage, chiropractic and physiotherapy
• Medical supplies such as wheelchairs, crutches, braces etc..
• Travel insurance
• Dental accidents
• Hospital expenses
• Personal injury and death
• myWellness Plan: FREE to all Cumberland College students. This mental health and wellness program provides access to support resources, an anonymous mental health assessment, online group or individual counselling, a crisis line and a toolbox to help students with life challenges while in school.

How do I use the plan?

• Please visit the benefits website to obtain your Prescription Drug Card (myBenefits Card) and to find out how to use the plan.
• New eligible students will be added to the plan during the first 45 days of each program start date.
• Please keep your receipts for eligible expenses incurred during this time period for submission to the insurance carrier upon completion of the enrolment process.
• Returning eligible students may continue to access the plan without disruption by using their myBenefits Card or by submitting reimbursement claims directly to the insurance carrier.

What if I Already Have Coverage but don't want to opt out?

Coordination of Benefits: Benefits under the two plans can be coordinated to increase your coverage up to a total of 100% for the actual expenses incurred.  Therefore, following payment under this plan you can submit outstanding balances to the other plan for consideration.

What if I need Family Coverage?

Each year, you are given one opportunity to purchase family coverage for your spouse and/or dependent(s) by completing an application online and paying the family coverage fee. Family add-on fees will be automatically assessed to your student account.  All family add-on forms and applicable fees must be received within 30 days from the first day of class. Your family can only be covered while you are a student on the plan(s).  See Gallivan & Associates for more information.