Concordia University Of Wisconsin: Student Insurance Options

Students at Concordia University in Wisconsin have access to a range of health and well-being resources. The university considers the health and well-being of its students to be of utmost importance. Students can access support through the Academic Resource Center, which provides Accessibility Services and Academic Resources. Additionally, the university's website offers information on health insurance plans, including the Concordia Student Health Plan, which is available to undergraduate and graduate students. International students at Concordia University are required by Immigration Quebec regulations to have health insurance that meets government standards. The university has negotiated a compulsory health and accident insurance plan with Blue Cross, which all international students must enrol in.

International students are automatically enrolled in the Blue Cross health insurance plan

International students at Concordia University of Wisconsin are automatically enrolled in the Blue Cross health insurance plan. This is because, in accordance with Quebec regulations, all international students must be covered by a Quebec-issued health insurance plan that meets government standards while studying in Quebec and during the entire validity period of their CAQ.

The Blue Cross health insurance plan is compulsory for all Concordia international students, and personal health insurance plans are not accepted. The health insurance fees are automatically charged to international students when they register for courses. The annual coverage is from September 1 to August 31, and the cost of the insurance is added to the student's account. The cost of the insurance plan is in addition to the student's tuition fees. The Blue Cross plan covers students throughout Canada at the equivalent rate of the Regie d'Assurance Maladie du Quebec.

International students can download and review their Blue Cross Health Insurance Policy Booklet for the details of their coverage. They can also register and print their Blue Cross card online. Concordia University Health Services encourages all future students to update their vaccines before coming to Concordia. International students can also contact the International Students Office with any questions about their insurance coverage.

Students can opt-out of the Blue Cross plan if they meet certain criteria

Students at Concordia University of Wisconsin are automatically enrolled in the Blue Cross health insurance plan for international students upon course registration. However, students can opt out of the Blue Cross plan if they meet certain criteria.

Firstly, only international students are eligible to be exempted from the Blue Cross Health Insurance Plan for International Students. Private health insurance plans are not accepted. This means that students with health insurance provided by their employer or through a parent's plan are not eligible for an exemption.

There are a few specific groups of students who are allowed to be exempted from the Blue Cross Plan for International Students. These include:

• Citizens of Belgium, Denmark, Finland, France, Greece, Luxembourg, Norway, Portugal, Romania, Serbia, and Sweden, who were covered under their government's medical system before their arrival in Quebec.
• International students who receive a scholarship from a sponsoring organization or government that includes health insurance and tuition fees.
• Refugee claimants and convention refugees who can show proof of medical coverage by the Canadian or Quebec Government.
• International students who become Permanent Residents of Canada and can show proof of their status, such as the Record of Landing document.
• Students who have a valid Quebec Medicare card or a letter of admissibility from Régie de l'Assurance Maladie du Québec (RAMQ) confirming the start and end date of their coverage.

To complete the opt-out process, students must email iso@concordia.ca, include their student ID number in the subject line, and attach the relevant supporting documentation as outlined above. It is important to note that the opt-out process must be repeated each year in September when health insurance fees are automatically charged. Failure to provide the required documents by the specified deadlines will result in the student being charged for the full academic term.

Students can obtain a letter of attestation for proof of full-time studies from the Birks Student Service Centre

Students at Concordia University in Wisconsin can access a range of services and resources, including health insurance plans. While the university itself does not manage insurance plans, it is essential for students to have valid and up-to-date health insurance. This can be through the government, such as RAMQ or OHIP insurance, or private providers, especially for international students.

Now, if you are a student at Concordia University in Wisconsin and need to prove your full-time status to maintain your health insurance coverage, you can obtain a letter of attestation from the Birks Student Service Centre. This letter serves as official confirmation of your enrolment status and can be used to demonstrate to your insurance provider that you are a full-time student. Obtaining this letter is a straightforward process and can be done via email. However, it is important to note that there is a $20 fee for requesting this letter.

The Birks Student Service Centre is a dedicated resource for students at Concordia University, offering support on various matters, including health insurance. They can provide you with guidance and assistance if you have questions or concerns about your insurance coverage. This service is available to both undergraduate and graduate students, ensuring that everyone can access the help they need regarding their health plans.

By offering this letter of attestation, the Birks Student Service Centre helps students maintain their health insurance coverage by providing official documentation of their full-time studies. This process ensures that students can quickly and easily meet the requirements of their insurance providers and continue to access the healthcare services they need while studying at Concordia University in Wisconsin.

Students can access their health insurance plan on the Student Care website

Students at Concordia University in Wisconsin can apply for health insurance. It is essential for students to have health insurance, which can be provided by the government or private providers. International students at Concordia University are automatically enrolled in the Blue Cross health insurance plan upon course registration. Undergraduate and graduate students can access details about the Concordia Student Health Plan through the Student Care website.

The Student Care website provides information on the Concordia Student Health Plan, which is available to undergraduate and graduate students. The website offers details on the plan's coverage, benefits, and exclusions. It also provides resources for students to manage their health insurance, such as information on how to submit claims and access customer support.

Additionally, the Student Care website may provide information on supplementary health plans offered by the Concordia Student Union (CSU) or the Graduate Students' Association (GSA). These plans are optional and provide additional coverage for specific health needs. Students can verify their enrolment in these supplementary plans through the website and contact Student Care with any questions regarding their coverage.

The Student Care website is a valuable resource for Concordia University students to understand their health insurance options, access important information about their coverage, and make informed decisions regarding their healthcare needs. It is recommended for students to review the website regularly to stay updated on any changes or updates to their health insurance plan.

By offering a central platform for health insurance information, the Student Care website empowers students to take control of their health and well-being during their academic journey at Concordia University. It ensures that students have the necessary tools and resources to maintain their physical and mental health, enabling them to focus on their studies and overall development.

Students can be covered by their parent's insurance plan

Students at Concordia University in Wisconsin can be covered by their parents' insurance plan. This is one of the options available to students to ensure they have valid and up-to-date health insurance. This is essential, and students can also be covered by government insurance (RAMQ or OHIP insurance, for example) or private providers like Blue Cross for international students.

Being covered by a parent's insurance plan is a common option for students, and in the US, the Affordable Care Act (ACA) allows young adults to stay on a parent's health insurance policy until they turn 26. This is the same in Canada, where students can remain on their parent's insurance until they are 26. However, in some states, such as New York and Florida, young adults can stay on a parent's plan until the age of 30.

There are also other options for students who are no longer covered by their parents' insurance. These include obtaining insurance through an employer, a subsidised plan through the ACA marketplace, or a government program like Medicaid. Catastrophic health insurance is another option, which is available to people under 30 and offers low premiums. However, the deductibles are very high, and most medical care will have to be paid out-of-pocket. Short-term health insurance is also available, which can be a cheap option for those with minimal healthcare needs, but pre-existing conditions are usually not covered.

It is important to note that while being covered by a parent's insurance is a convenient option for students, it may not be the most comprehensive form of insurance. Student insurance plans, for example, often offer more benefits that are tailored to the specific needs of students, such as mental health support and sports injury coverage.

In conclusion, while being covered by a parent's insurance plan is a viable option for students at Concordia University in Wisconsin, it is important to consider the limitations and explore all available options to ensure adequate health coverage.

Frequently asked questions