TO SUBMIT CLAIMS AND GET REIMBURSEMENT YOU MUST HAVE AN ONLINE ACCOUNT, UNLESS YOU WILL BE SUBMITTING CLAIMS BY MAIL

**On August 28th, 2025, students will recieve an email with instructions to register for Drawbridge. Drawbridge is the online portal and app for accessing your health plan, checking coverage, submitting claims and more!**

~ MORE DETAILS ON REGISTRATION COMING SOON~

Your member ID card will be accessible online or from the Drawbridge app under your profile name. It is a good idea to add it to your phones digital wallet so that it's always with you!

Want to watch a video on how to register on Drawbridge? Click here.

Overview

ALL Full-Time Students at King's are automatically enrolled into the KSU Health & Dental plan effective September 1st. No further action is needed, unless you wish to opt out. ALL Part- Time students who wish to opt into the KSU Health & Dental plan must complete the manual process online via studentbenefits.ca OR by physical form, which can be dropped off at our office or emailed to coordinator@ksu.ca

Opting Out

Once your opt-out has been approved you will receive a credit for the amount reimbursed. It will be placed on your account with the King’s Bursar’s office and will count against future charges (i.e. tuition fees).

Please make sure to provide details of your alternative health coverage plan that you will be using for the full academic year. All full- time Canadian students are legally required to be covered by a health insurance plan.

Opting in for Part-Time Students

Part-time students (less than nine credit hours per semester) and students beginning their studies in the winter are not automatically enrolled in the health and dental plan. If you wish to enroll yourself in the KSU Health & Dental plan, you must complete the opt in registration online at studentbenefits.ca or  fill out this form and return it with your payment to the KSU office.

 Opting in for Students with Families (Dependents/Spouse)

You may opt-in your spouses and dependents for an additional fee. If you wish to enroll your dependent(s) or spouse in the KSU Health & Dental plan, you must complete the opt in registration online at studentbenefits.ca or  fill out this form and return it with your payment to the KSU office.

PLEASE NOTE, STUDENTS MUST RE-ENROL THEIR DEPENDENTS EACH PLAN YEAR. DEPENDENTS ARE NOT AUTOMATICALLY CARRIED OVER.  When completed, please submit the forms and payment to the KSU office.

The KSU Health/Dental plan offers direct billing for most services  including most pharmacies, hospitals, dental offices, and larger paramedical clinics. Some smaller providers may not offer direct billing.**You must have your health card plan on hand (or know your plan number) so that your health provider can directly bill PBAS**

• Direct billing means that the insurance company is billed directly and you do not have to pay the full amount out of pocket for the health service. However, you are still responsible for paying  any co-pay or deductible amount.
• If the health provider does not offer direct billing, you will have to pay the full cost for the health service out of pocket, submit a claim online and wait for reimbursement (usually between 1-2 business weeks).
• You can submit a claim  on their online website or on the Drawbridge+ app (available on Android and IOS).
• To submit a claim online, you must have a online account on the Drawbridge portal. If you don’t have an account already, please revisit "Online registration on the Drawbridge portal".

Master of Fine Arts Students

Master of Fine Arts students beginning the MFA program in Spring/Summer will not be covered by the Health & Dental plan until September 1st, when all full-time students are automatically enrolled

International Students

International students who are studying full time are automatically enrolled in both the KSU Health & Dental plan and the Dalhousie Student Union (DSU) International Health Plan, which provides coverage similar to MSI. MSI is Nova Scotia’s provincial health insurance for residents, covering things like doctor’s visits and emergency care. For any questions relating to the DSU International Health plan, please contact dsuhlth@dal.ca

Students with a valid study permit, along with their spouses and dependents, become eligible for MSI on the first day of their 13th month of full-time residence.

To learn more about  MSI, please check out the following resources:

1. Nova Scotia MSI Brochure
2. What’s Covered with MSI
3. Eligibility for MSI
4.  Applying for MSI

Dual - Citizen Students

When you’re covered by two health insurance plans, coordination of benefits ensures that the total amount paid by both insurers doesn’t exceed the cost of your medical services. The primary insurance covers first, while the secondary insurance steps in to cover any remaining balance.

How It Works:

• Your primary insurance pays first for covered medical services.
• Your secondary insurance picks up the remaining cost (up to the limit set by the policy) to help you cover additional expenses like co-pays or uncovered services.
• If your primary insurer covers 80% of a medical service, your secondary insurer may cover the remaining 20%, effectively reducing your out-of-pocket costs.

Important Reminder: Check with both insurance providers about their C.O.B policies  because each provider has different rules, restrictions, and limitations about how they process claims or what they cover.

How to File Claims with Coordination of Benefits

Step 1: Submit to Primary Insurance provider

• First, submit your medical claim to your primary insurance provider. Make sure you’ve included all necessary documentation (e.g., invoices, receipts for the medical services).
• Your primary insurance will process the claim and send you an Explanation of Benefits (EOB) (or a Claim Summary, in some cases) outlining how much was paid and what you owe
• This document will show the amount your primary insurer covered and the remaining amount you owe (such as co-pays or deductibles).

Step 2: Submit to Secondary Insurance provider

• Submit your claim (just like you did with the primary insurer) to your secondary insurance provider.
• Include the EOB from the primary insurance, along with your invoice and/or receipt if it’s required by your secondary insurer
• The secondary insurer will process the claim based on what the primary insurer has already paid, and they may cover the remaining balance based on their policy

If everything is processed correctly, your secondary insurance will cover the remaining amount (up to their coverage limits), and you could end up having your medical expenses covered 100%

Summary

• Primary Insurance: Pays first.
• Secondary Insurance: Pays second, covering the remaining balance (up to their limits).
• Explanation of Benefits: The key document you need to submit to your secondary insurer.
• Coordination of Benefits: Maximizes your coverage by combining both insurers’ payments, potentially covering your medical expenses in full.

Students from Kings/Dalhousie can book health appointments here. The Health and Wellness Centre is located on the 2nd floor at 1246 LeMarchant Street.

• Access to Health care providers at the Dalhousie Health and Wellness centre come at no cost to domestic Kings and Dalhousie students with MSI coverage.
• International students enrolled in the DSU's International Health plan are also able to access these services at no cost.
• Students that are not covered by MSI or an International Health plan will be charged a fee of 40$ per visit.

Please be aware when booking an appointment, that you may be charged a 40$ fee for a no show or a last minute cancellation.