You can check your coverage at anytime on your Drawbridge account online and on the Drawbridge app.

• There is a $5,000 maximum per covered person, per benefit year for health expenses (excluding Gender Affirmation, Hospital, Prescription Drugs and Vision).
• In the case of a discrepancy between the information listed here and that which is in the Benefits Booklet, please refer to the information in the Booklet.

Drawbridge is the online portal and app for accessing your health plan, checking coverage, submitting claims and more! 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!

How to Register for your Member Portal:

• Visit the KSU Drawbridge Registration Portal
• Enter your name and date of birth in the fields required
• Enter your Certificate ID (your B00 number with the B replaced with a 0)
• When creating your account, you must use your Dal email for the initial registration, but you can change it to any email you prefer after the setup
• After creating your account, you will recieve a confirmation email  and a link to finish the registration process, which should be completed within 48 hours
• Once your account is created, you can update your personal information and add your direct deposit information so that you can get reimbursed for your claims!

____________________________________________________________________________

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

When registering on Drawbridge, your Certificate ID is your Student B00 number with the B replaced with a 0. For example, B00123456 becomes 000123456.

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

Many providers offer direct billing for services including most pharmacies and dental offices. However, some smaller providers may not offer direct billing. Before going to an appointment it is a good idea to check your health providers website or call in advance to see if they offer direct billing, or you will have to pay upfront at the time of your appointment.

**When you are at an appointment, you must have your health card plan on hand (or know your plan number) so that your health provider can directly bill PBAS. Without it they will be unable to direct bill the insurance company**

• 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 at the time of service.
• 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 1-3 business days but it may take longer).
• 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".
• You must submit your claim within 6 months from the date of service, or you will not be reimbursed

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, as well as out of province students.
• 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.
• Students get access to the clinic for one academic term past the last academic term they have paid tuition to Dalhousie. (EX: If a student paid tuition to Dalhousie in the Fall term 2025 and that was their last term at Dalhousie, they would have access to the clinic until April 30 2026 the end of the next academic term). If you are on a formal medical leave of absence, you have access to the Centre while they are on the leave (for up to one year).

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