Csu University Student Insurance: Dental Coverage Explained

The topic of CSU university student insurance covering dental is an important one, as oral health is a crucial aspect of overall wellness. Undergraduate students at Concordia University with a certain credit load per semester are automatically offered the CSU Health and Dental Plan as part of their tuition. This plan provides up to 70% coverage for preventive dental services and up to 50% for basic dental services, with an annual maximum of $750. It's important to note that international students at Concordia University are not automatically covered by the standard CSU Health and Dental Plan, but they are eligible to enroll during specific periods. Additionally, CSU offers a separate insurance plan for graduate students, and students at other CSU universities may have different insurance plans with varying dental coverage. It is recommended to review the specific insurance plan offered by your CSU university to understand the extent of dental coverage provided.

CSU Health Network Dental Benefit

The CSU Health Network Dental Benefit is part of the Student Health Insurance Plan (SHIP) offered by Colorado State University. The dental plan is available to students at CSU Health Network and with Anthem Dental Complete community providers. The annual maximum benefit per plan year is $150, and it covers:

• 100% for prevention care (2x per year)
• 80% for minor restorative services
• 50% for major restorative services

Some exclusions apply to the dental plan. It is important to note that the CSU Health Network Dental Benefit is separate from the standard tuition fees and has a small copay.

For international students at Cleveland State University, they are automatically enrolled in United Health Care (UHC) and are not covered by the standard CSU Health and Dental Plan. However, international students at Concordia University are eligible to enroll in the CSU Dental Plan through Studentcare during the Change of Coverage and Opt-Out Period.

CSU Dental Plan for International Students

International students at Cleveland State University (CSU) are automatically enrolled in United Health Care (UHC) through the university. However, international students at Concordia Student Union (CSU) do not automatically receive dental coverage under the standard CSU Health and Dental Plan if they are paying international student fees. Instead, they are eligible to enrol in the CSU Dental Plan through Studentcare during the Change of Coverage and Opt-Out Period.

The CSU Health and Dental Plan is offered to undergraduate students enrolled in three or more credits within a given semester. The plan costs $225.00 annually, including $120.00 for dental coverage, and is included as part of the student's tuition bill. The plan provides benefits not covered by provincial health insurance, such as vision and dental care, as well as coverage when travelling abroad.

The CSU Dental Plan covers up to 70% for preventive dental services and up to 50% for basic dental services, with a maximum of $750 per policy year. It also includes $5,000,000 in travel health coverage for 120 days per trip, which can be extended in the case of student exchanges. The plan also covers up to 100% for ambulances, short-term hospitalizations, nursing care, dental accidents, and medical equipment, among other benefits.

International students can contact the International Students Office or visit their webpage for more information on Blue Cross coverage. The ISO can be reached at iso@concordia.ca or (514)-848-2424, ext. 3515.

CSU Health and Dental Plan for Undergraduate Students

The CSU Health and Dental Plan is offered to undergraduate students at Concordia University. If you are enrolled in more than three credits per semester and are paying tuition fees at the Canadian or Quebec rates, you will automatically receive coverage. If you are taking three or fewer credits, you may still be eligible for self-enrollment.

The Health and Dental Plan provides many benefits not covered by provincial health insurance, such as vision and dental care, as well as coverage when traveling abroad. Furthermore, it can be combined with other insurance plans to maximize your coverage and benefits.

The cost of the CSU Health and Dental Plan for full-year coverage is $225.00 ($105.00 for health, $120.00 for dental) and is included as part of your tuition bill. The policy year runs from September 1st to August 31st.

Dental Benefits

The CSU Health and Dental Plan covers up to 70% for preventive dental services and up to 50% for basic dental services, with a maximum of $750 per policy year. This includes:

• Preventive services such as cleanings, exams, and X-rays
• Basic restorative services such as fillings and root canals
• Major restorative services such as crowns and bridges

Opting Out of the Plan

If you wish to opt out of the CSU Student Health and Dental Plan, you may do so within the Opt-Out Period. For students beginning their first semester in the Fall, the Opt-Out Period is September 5th to October 4th, 2024. For students beginning their first semester in the Winter, the Opt-Out Period is from January 22nd to February 20th, 2025.

Keep in mind that if you are covered by another extended health and/or dental plan (e.g., a parent's or spouse's employee plan), you can combine both plans to maximize your overall coverage and reduce or eliminate out-of-pocket costs.

International Students

International students at Concordia University receive an international student Health Plan through Blue Cross. They are not automatically covered by the standard CSU Health and Dental Plan if they are paying international student fees. However, international students are eligible to enroll in the CSU Dental Plan through Studentcare during the Change of Coverage and Opt-Out Period.

CSU Dental Plan for Graduate Students

The CSU Dental Plan is available to graduate students at Concordia University. The plan is overseen by the GSA, who can provide more detailed information on graduate student coverage. The cost of the plan for the full year is $225.00, with $105.00 for health coverage and $120.00 for dental coverage. The policy year runs from September 1st to August 31st.

The CSU Dental Plan provides benefits not covered by provincial health insurance, such as vision and dental care, as well as coverage when travelling abroad. It can be combined with other insurance plans to maximize coverage and benefits. For example, if you are covered by another extended health and/or dental plan, you can combine both plans to reduce or eliminate out-of-pocket costs.

The CSU Dental Plan covers up to 70% for preventive dental services and up to 50% for basic dental services, with a maximum of $750 per policy year. It also includes $5,000,000 in travel health coverage for 120 days per trip, with the possibility of extension in the case of student exchanges. The plan also covers up to $7,500 for trip interruption and $3,000 for trip cancellation in the event of a medical emergency or an eligible trip advisory issued by the Government of Canada.

To be eligible for the CSU Dental Plan, graduate students must be enrolled in three or more credits within a given semester. Students taking three or fewer credits may still be eligible for self-enrollment. To confirm your enrollment in the extended Health and Dental plan, contact Studentcare directly at 514-789-8790 and provide your student ID number.

For a general overview of your coverage plan, please consult the Understanding My Coverage page on the Studentcare website. For complete details and to find the most up-to-date information about your plan, visit www.Studentcare.ca.

CSU Dental Plan for Dependents

The CSU Dental Plan is available to undergraduate students at Concordia University who are enrolled in three or more credits within a given semester. Graduate students are advised to contact the GSA for information on their health and dental plan. International students do not automatically receive dental coverage but are eligible to enroll in the CSU Dental Plan through Studentcare during the Change of Coverage and Opt-Out Period.

The CSU Health and Dental Plan provides benefits not covered by provincial health insurance, such as vision and dental care, as well as coverage when travelling abroad. The cost of the plan for full-year coverage is $225.00, which includes $105.00 for health and $120.00 for dental. This is included as part of your tuition bill.

The CSU Dental Plan covers up to 70% for preventive dental services and up to 50% for basic dental services, with a maximum of $750 per policy year.

Dependents are not automatically enrolled in CSU Plan coverage and must be manually added during the Change-of-Coverage & Opt-Out Period by filling out the 'Enroll Your Family Now' form. If you have missed this period, you may still be able to add dependents by submitting an Exception Request. This will require you to provide basic information and explain why you should be allowed to enroll after the deadline.

Frequently asked questions