Got questions about your coverage? We’ve got your answers here.

Here are some FAQs (frequently asked questions) and FAAs (freaking awesome answers) about your health and dental coverage.

General

What is my GSC ID number?

Your unique GSC ID number is your student ID number preceded by your student association’s three-letter code. This three-letter code is displayed at the top of every page of this website and in your online booklet. Each GSC ID number ends with a dependent code:

  • '-00' for you – the student/plan member
  • '-01' for a spouse
  • '-02', '-03', etc. for dependent children from oldest to youngest

Heres an example:

  • Your school's three-letter code = ABC
  • Your student identification number = 123456789
  • Your dependent code = -00

For a printable version of your ID Card, click the "My ID card" link at the bottom of this page.

Can I make a change to my coverage?

Yes, you can add or remove coverage for dependent(s) or yourself, but only during a specific period, usually within the ‘opt out’ period. After that deadline, changes can only be made if a life event occurs (like marriage or the birth of a child). To report an eligible change, contact your student association health plan administrator (you'll find a link at the bottom of this page). For deadlines, click on the Opt Out link at the bottom of this page.

How can I change my address on the GSC system?

There are three ways you can change your address:

  • Directly on the next claim form you submit to GSC
  • By sending us a letter
  • By calling our Customer Service Centre at 1.888.711.1119

All correspondence submitted to GSC requires your GSC ID number.

Note: Only plan members can change the address for dependents and spouses on their benefit plans.

Is everything I need to know about my benefits in my booklet?

Your benefits booklet provides a summary of your benefits plan. For detailed information about eligibility for a specific item or service, register for Plan Member Online Services or call our Customer Service Centre at 1.888.711.1119.

Why is a certain benefit and/or service not covered by my benefits plan?

Benefits coverage, dollar maximums, and frequency limitations are determined by your student association. Your benefits are administered by GSC according to the terms and conditions of the contract we have with your student association.

Submitting a claim

Which mailing address should I use to send in my claims?

Here are GSC’s mailing addresses for claims and other general correspondence (when in doubt, just send your claim to the General Mail address):

Green Shield Canada
Out-of-Province, HCSA, General Mail
P.O. Box 1606
Windsor, Ontario N9A 6W1

Green Shield Canada
Drug Claims
P.O. Box 1652
Windsor, Ontario N9A 7G5

Green Shield Canada
Dental Claims
P.O. Box 1608
Windsor, Ontario N9A 7G1

Green Shield Canada
Hospital, Nursing Home, Vision Claims
P.O. Box 1615
Windsor, Ontario N9A 7J3

Green Shield Canada
Medical Items
P.O. Box 1623
Windsor, Ontario N9A 7B3

Green Shield Canada
Professional Services
P.O. Box 1699
Windsor, Ontario N9A 7G6

How do I submit a claim to GSC?

You have two options for submitting your claim to GSC:

Option #1: Have someone do it for you (preferred)

Many health care professionals will submit claims on your behalf. All you have to do is ask them to submit your claims online, directly to GSC. This is good for you because you don't have to worry about any paperwork or in some cases, even paying out-of-pocket for the service (except for the portion not covered by your benefit plan).

Option #2: Do it yourself (not so preferred, but we make it pretty easy)

Some providers can’t submit claims electronically, in which case you’ll need to pay your health care professional directly and submit the claim yourself.  You can send the claim to us online via Plan Member Online Services (if applicable) or you can mail it to us.

If you mail it, you’ll need a claim form, a printer (to print the claim form), a pen (to fill in the claim form), a photocopier (to take a copy for your records), and a stamp to put on the envelope.  

  • Convenient, pre-filled and personalized claim forms are available via Plan Member Online Services. You really should register.
  • Complete the claim form and sign in the appropriate spot. Remember to include your GSC ID number, or if the claim is for a dependent, include the dependent's ID number. 
  • Be sure to include your original receipts and remember to take a photocopy for your records.
  • Double check that you’ve provided your full mailing address.
  • Send the form to the GSC address indicated on the form. It must be received within 12 months from the service date.
What if I have multiple claims to submit for different types of benefits?

To avoid additional postage costs, please submit multiple claims in one envelope to any of the addresses listed in the answer above.

When are health and dental claims processed?

If you or your health care provider submit a claim online for real-time adjudication, the claim is processed immediately.

If you send the claim to us in the mail, we will process it four business days (on average) from the date we receive it at our head office in Windsor, Ontario. If information is missing, we may have to return the claim to you, which will delay payment. Be sure to:

  • Complete the claim form in full and sign in the appropriate spot. Remember to include your GSC ID number, or if the claim is for a dependent, include the dependent's ID number. Be sure to include your original receipts and remember to take a photocopy for your records.
  • Double check that you have provided your full mailing address.

Send the form to the GSC address indicated on the form. It must be received within 12 months from the service date.

And if you want to get your money back faster, be sure to sign up for direct deposit via Plan Member Online Services.

When will I get paid?

For faster claims payment, register for Plan Member Online Services and sign up for direct deposit. You’ll receive an e-mail indicating that your claim has been processed. Otherwise, we aim to have a cheque in the mail to you one to two day(s) after processing. Or even better –  ask your health service provider to bill us directly. This will eliminate the time you spend waiting for a reimbursement cheque, and eliminate the need to fill out a claim form!

What do I need to submit a claim?

All claims submitted to GSC require the GSC ID number of the person who has received the benefit/service. The appropriate claim form also must be completed.

You will need to send confirmation of payment with your claim form. The accompanying receipt from the service provider must show:

  • Date of service
  • Service performed
  • Cost of the service
  • Signature of the provider or the provider's official stamp (on the receipt)

 

In addition to the above, a receipt accompanying a drug claim must also show:

  • Prescriber's name
  • Drug Identification Number (DIN)
  • Name of the drug
  • Strength of the drug
  • Quantity provided
  • Prescription number
Is cash an acceptable form of payment?

From time to time, when processing claims, valid traceable and identifiable confirmation of payment is required. What does that mean? You need to submit a copy of your payment transaction with your claim to confirm the claim was paid in full. For certain claims, we may require additional confirmation of payment so we recommend you keep a copy of some other identifiable confirmation of payment, such as a cancelled cheque (copy is acceptable if both sides of the cheque are provided), an authorized electronic credit card receipt and/or credit card statement, direct payment/debit receipt or bank statements.

How do I know whether a particular item or service is covered under my plan?

Your benefits booklet provides a summary of your benefits plan and what’s covered. For detailed information regarding eligibility for a specific item or service, register for Plan Member Online Services to check benefit eligibility, or call our Customer Service Centre at 1.888.711.1119.

How long do I have to submit a health or dental claim?

All claims must be received by GSC within 12 months following the date of service.

Can I fax my claim to GSC for payment instead of mailing it?

Sorry, we can't accept photocopied or faxed receipts. However, you can submit your claims online (if applicable) via Plan Member Online Services for faster claim processing. Register today!

Why aren't my receipts returned to me after my claim has been paid?

Instead of returning your receipt to you, GSC produces an Explanation of Benefits (EOB) statement. This statement provides information that may be required for tax purposes (like the information provided on a receipt) as well as any deductibles, maximums, or co-payments applied to the payment of your claim. You can also use this statement to submit Co-ordination of Benefit (COB) claims if you have other coverage. Please take a copy of all receipts and forms for your records before submitting claims to GSC.

Can you re-issue me a new/replacement cheque?

We can re-issue a new/replacement cheque three weeks after the date the original cheque was issued. But to get your money back quickly, we suggest you register for Plan Member Online Services and sign up for direct deposit. You will receive payment once your claim is processed, along with an e-mail to confirm the deposit—no need to wait for mail delivery.

Can I have my claims reimbursement made payable to someone other than myself?

No, all claim reimbursements are made payable to the student plan member (ID number ends with -00).

What if my treatment is going to exceed $300?

If you expect the cost of any proposed treatment to exceed $300, we recommend you submit an estimate from your health service provider before your treatment begins. If an estimate is not submitted in advance, GSC reserves the right to make a determination of benefits payable, taking into account alternate procedures, services, or courses of treatment, based on accepted standards of medical/dental practice. For further information, please call our Customer Service Centre at 1.888.711.1119.

What if I have coverage under two different plans? Which do I submit to first?

GSC works with other insurance carriers to ensure you receive the maximum dollar value from all benefit plans to which you and your family are entitled. If you are covered under another plan, your benefits will be co-ordinated with the other plan following standard industry guidelines for coordination of benefits (COB) developed by the Canadian Life & Health Insurance Association (CLHIA), such that the total amount payable does not exceed 100 per cent of the eligible expense incurred.

You must follow the guidelines to identify the primary plan and submit your claims to this plan first. Any unpaid balances should then be submitted to the secondary plan(s). Use the following guidelines to identify the primary and secondary plans:

As a GSC plan member, your student plan is always your primary plan. Submit your claims to GSC.

If you have a balance remaining, submit to the secondary carrier(s) or benefits plan(s).

If you added your spouse to the plan:

GSC coverage is always secondary for your spouse, if your spouse is a cardholder under an alternate benefits plan. Your spouse must submit claims to his/her benefits plan first and any remaining balances may be submitted under your GSC plan.

If you have dependents:

When dependent children are covered under both your GSC plan and your spouse's benefits plan, claims should first be submitted under the plan for the parent whose birth month and day occurs earliest in the calendar year. The year of birth is not relevant. When both parents have the same birth date, the primary carrier is the plan of the parent whose initial comes first in the alphabet.

If you are divorced or separated:

In cases of separation or divorce with multiple benefits plans for the children, the process described below ranks the order of the plans to which claims must be submitted.

A child's primary coverage is under the benefits plan of the parent who has custody of the child. All other coverage is secondary.

Submit claims to the benefits plan of the parent who has custody of the child.

  • Submit balances to the plan of the spouse of the parent who has custody of the child.
  • Submit balances to the plan of the parent who does NOT have custody of the child.
  • Submit balances to the plan of the spouse of the parent who does NOT have custody of the child.

 

If the parents have joint custody and both have the children listed as dependents under their plans, claims should first be submitted to the plan of the parent whose birth date (month and day) occurs earliest in the calendar year. Balances can then be submitted to the other parent's plan.

When GSC is identified as a secondary carrier, please submit a copy of the original claim statement from the primary carrier and a copy of the claim form to receive any balances owing. Please call our Customer Service Centre for more information at 1.888.711.1119.

Opt out and enrolment

I have coverage through someone else, so can I opt out of my student plan?

You may be able to opt out, provided you do so within the required time frame. For more information about opt out deadlines, click the Opt Out link at the bottom of this page.