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Deadline for Health Plan Opt-Out is Jan. 28th
In case people have been putting this off, like I have, if you're looking to opt out of the SFU Health Plan, you have to have your proof of coverage submitted by the 28th, or else you've missed your chance.
http://ihaveaplan.ca/rte/en/SimonFraserUniversityundergraduatestudentsSFSS_ChangeofCoverage_OptOuts_HowtoOptOut
Looks pretty simple, plus it can all be done electronically.
http://ihaveaplan.ca/rte/en/SimonFraserUniversityundergraduatestudentsSFSS_ChangeofCoverage_OptOuts_HowtoOptOut
Looks pretty simple, plus it can all be done electronically.
Comments
What I don't like is proving I have health insurance by giving my health insurance info to this random company.
but in my experience with Sun Life, you have to pay up front, then send your receipt into Sunlife with a claim form then they reimburse you.
I already have coverage, but I'm actually not going to cancel this one and milk it for more than I'm going to pay.
I'm going to take the 60$ for an eye exam, plus the 100$ for glasses, which I will combine with my other private health plan to get some designer prescription glasses worth a few hundred.
Then I'm going to claim 100+ for a dental checkup, all in all I will be taking 300$ + out of this for about the 200 we pay.
When I was in college I had to get my wisdom teeth out and ended up getting the full 600$ in dental out of sunlife, when I paid about 120.
Ahh... insurance coverage?
with the cost of dental checkups, youre looking at 140-170, at two per year, so id fully claim the sunlife part, then use my blue cross extended to cover what isnt covered by sunlife for the first exam, then blue cross for the second exam as well
all in all ill be getting out more than i put into it
Since sunlife only covers 80% of dental, same with blue cross, I'll need to use both to get 100% coverage. For dental checkups at two a year, we can say 300$ in total is the charge.
-For checkup number one I won't pay anything out of pocket, but for dental checkup #2 Ill have to pay 20% (25-30$), as sunlife only covers one per year.
Since both plans are also cheap when it comes to limiting your eye exams, I'll need to use both, since both restrict you to every two years (when youre supposed to get them every 6 months to a year).
But yeah math wise, bottom line is I break even, but I still need both plans since both are only 80% to get 100% coverage...
I have some more plans to milk it though, some vaccinations here and there, maybe some periodontal work or fillings (someones god forbid).
Maybe Ill go for some laser eye surgery B)
I have only had one eye exam and that was back in grade twelve when I was doing my pilot testing. They had to check if I had V1 vision (perfect 20/20) or better. They put these crazy eye drops in my eyes which made it so I couldn't focus and my pupils were HUGE! I had to wear sunglasses inside otherwise it would have been just too bright. I ended up getting yelled at, at work (Futureshop at the time) because I couldn't read the computer monitor, thus wasn't able to work as effectively.
So anyways, I have only had one eye exam and my eyes are perfect 20/20.
Apparently we're all supposed to get them checked for diseases, so the province of BC says...
in the end with both plans I have enough with both plans now anyway