Administration of Health Insurance Fees

PURPOSE

Effective September 2017, the Province of New Brunswick made international students who meet certain criteria eligible for the Provincial Medicare program. This program is administered by the Province of New Brunswick.

For the protection of international students unfamiliar with the Province’s application and/or approval process, and for those international students whom are for any reason ineligible, the College will continue to offer its own health insurance through a third-party service provider.

This document provides guidance with regard to the administration and interaction of these two health insurance programs.

SCOPE AND LIMITATIONS

Pursuant to s. 2.8.4(b) of Policy 2331 (Tuition and Other Student Fees), "All international students admitted to a program shall be charged a non-refundable health insurance fee at the rate approved by NBCC and as may be amended from time to time. Insurance fees are collected on behalf of the service provider and shall not represent a material ongoing revenue or loss to NBCC."

This guideline supersedes this section of that Policy.

1.0 DEFINITIONS

This section not required.

2.0 IMPLEMENTATION

2.1Rationale for College Coverage
2.1.1It is foreseeable that international students may experience delays in receiving Provincial approval to the Province of New Brunswick’s Medicare program due to their unfamiliarity with application and approval processes or due to processing times at the Provincial level. It is also foreseeable that international students may be deemed ineligible both before (i.e. denial of coverage) and after (loss of coverage) receiving initial approval.
2.1.2For these reasons, the College will continue to offer base health insurance through a third-party service provider.
2.1.3To ensure all international students have coverage from the first day of their attendance at NBCC, it is mandatory for all international students admitted to a program to be subscribed in the College’s basic international health insurance in their first term of attendance in each Academic Year.
2.1.4Students able to provide proof of coverage in the Province’s Medicare program may end their subscription to the College’s international base health insurance program for subsequent Academic Terms of the Academic Year. Student may not opt out of NBCC’s base health insurance coverage in their first Academic Term.
2.1.5Students who have previously ended their subscription in the College’s basic international health insurance may re-subscribe.
2.1.6It is also foreseeable that international students may elect to temporarily leave the Province of New Brunswick for personal reasons as well as reasons related to their studies. Rules and administration related to the Province’s Medicare program is burdensome and complex with regard to international students temporarily leaving the Province, and could inadvertently result in a coverage gap or loss.
2.1.7For these reasons, the College will offer an additional out-of-province/out-of-country plan to supplement base health insurance through a third-party service provider.
2.1.8To ensure all international students have coverage from the first day of their attendance at NBCC, it is mandatory for all international students admitted to a program to be subscribed in the College’s out-of-province/out-of-country international health insurance. Student may not opt out of NBCC’s out-of-province/out-of-country health insurance coverage.
2.1.9Student subscription to the College’s international health insurance remains subject to good standing with regard to payment of relevant fees related to the international health insurance program. Students for whom outstanding fees related to the international health insurance program are outstanding are not eligible for coverage by the College.
2.1.10Fees related to international health insurance
2.1.10.1International students shall be charged a health insurance fee related to the College’s basic and out-of-province/out-of-country health insurance program at the rate approved by NBCC and as may be amended from time to time. Insurance fees are collected on behalf of the service provider and shall not represent a material ongoing revenue or loss to NBCC.
2.1.10.2Subject to refund provisions in s. 2.1.11 of this document, fees related to the College’s international health insurance program are term-based and shall not be pro-rated for subscription periods which differ from the Academic Term, i.e. students wishing to subscribe or re-subscribe must pay fees applicable to the full Academic Term in order to be eligible for coverage.
2.1.10.3While fees are term-based, the College’s charge and/or a student’s payment of those fees do not supersede decisions of the College’s third-party service provider with regard to start dates, durations or end-dates of coverage. Those final decisions reside exclusively with the service provider.
2.1.11Refunds related to international health insurance
2.1.11.1Students providing proof of coverage in the Province’s Medicare program prior to the ‘Last Day to Opt Out of Student Health and Dental Plan’ as documented by the Office of the Registrar in the Academic Calendar for their second and subsequent Academic Terms, are eligible for a refund calculated at 100% of any fees paid related to basic international health insurance. Refund Processing Fee shall not apply.
2.1.11.2Students providing proof of coverage in the Province’s Medicare program after the relevant ‘Last Day to Opt Out of Student Health and Dental Plan’ are eligible for a refund calculated at 0% of any fees paid related to basic international health insurance.
2.1.11.3Student may not opt out of NBCC’s out-of-province/out-of-country health insurance coverage.
2.1.12Responsibility for items specific to the Province’s Medicare program
2.1.12.1The Registrar shall be responsible for providing on behalf of the College proof of enrollment and such other student documentation related to international students as may be required by the Province of New Brunswick under their Medicare program.
2.1.12.2The Registrar shall be responsible for documenting proof of coverage under the Province’s Medicare program as required in s.2.1.4 of this document.