Frequently Asked Questions:
1. I start in January, am I covered by the health plan starting in September?
No, NUSU does not receive the ancillary fee to pay for your health plan until you have registered for courses and Nipissing has accepted your tuition and ancillary fee payment.
2. When should I expect my reimbursement after I opt-out?
By the end of the semester. Once we are informed by the insurance company that the reimbursement has been sent out, we will post on our social media to notify students.
3. How will I receive my reimbursement?
When completing the opt-out application, you can supply direct deposit information. By doing so, you will receive the reimbursement from ACL Student Benefits direct to your personal bank account. Once we are informed by the insurance company that the reimbursement has been sent out, we will post on our social media. If you did not sign up for direct deposit, a cheque will be mailed to the address you provided.
4. Why haven’t I received my reimbursement?
If the direct deposit information is not completed correctly, a cheque will be mailed to the address you provided.
5. What is a "Blackout" period?
From September 1-19, (January 1-20 for Winter semester start students), all students are offered the option to opt-out of the health plan. Students who choose not to opt-out are unable to submit claims until the blackout period has ended. To ensure the blackout period has officially ended, wait an additional two to five business days after September 19th before submitting any claims dated September 1-19.
6. Why isn’t my claim submitting?
If it is not currently the period between September 1st to 20th (Fall Semester Start Date Students) or January 1st to 20th (Winter Semester Start Date Students), please email health@nusu.com with the details regarding the failed submission. We will get back to you as soon as possible.
7. How do I Opt-Out?
1. Visit: WeSpeakStudent.com
2. Select “Nipissing University” from the drop-down menu
3. Select the “Opt-Out”
4. Provide proof of additional health benefit coverage, direct deposit information, Nipissing student number and Nipissing email address. If you opt out, you will not be able to opt back in. You will receive your full reimbursement before the end of the semester. Remember: The health plan is annual, so if you opted out last year, you will have to do so again sometime before the deadline.
Links to more Opt-Out Information:
2023/2024 Health Plan Brochure
2023/2024 Health Plan Insurance Booklet
2023/2024 Indigenous Students (Band Opt-out)
2023/2024 International Student Health Care*
*UHIP is administered by the International Student Support Office
8. Why do I have to Opt-Out again if I did last year?
The health plan renews annually, you are automatically added to the health plan each year, regardless if you previously opted out.
9. I am a Part-Time Student, do I qualify for the same benefits as Full-Time Students?
Yes! All students qualify for the same benefits.
10. I missed the deadline, can I still Opt-Out?
Unfortunately, NUSU has little control over the Opt-Out deadline, which is why we try to notify students via email or on social media, to ensure all students remember to Opt-Out.
11. May I enroll my dependants?
Yes! All students may obtain coverage for their spouse and/or children by enrolling them prior to the dealine, for the Fall and Winter Semesters, by paying the appropriate fee.
12. How do I file a claim?
You are able to file a claim directly on the ClaimSecure App and your drug and extended health care claims are paid by ClaimSecure.
Pay Direct (Prescription):
The Pharmacy can submit your claim electronically for you, limiting your out-of-pocket expense. You will need to give the pharmacy the following information:
1. Group Number: 514926
2. Insurance Provider: ClaimSecure
3. Certificate ID: V00 _ _ _ _ _ _ _
(V Zero Zero and then your student number without the letter; Example: V001392652)
Online:
1. Visit: WeSpeakStudent.com
2. Select “Nipissing University” from the drop-down menu
3. Select: "eProfile for Online Claims Submission"
4. Select: "Register Now" (You must have an active status and valid e-mail address to register)
5. Confirmation: You will receive a confirmation email from "eProfile System" containing your login information - Please make sure to log into your account within 15 days, otherwise, your registration information will expire.
6. Completion: You submitted!
By Mail:
Fill out the appropriate claim form (all claim forms can be downloaded from WeSpeakStudent.com), attach your original receipts and mail directly to ClaimSecure at:
Claim Secure Inc.
P.O. Box 6500, Station A
Sudbury, ON
P3A 5N5
To view completed benefit summaries for each of the plans offered, please visit WeSpeakStudent.com, hello@nusu.com or health@nusu.com. If you require assistance with your claim or plan information, please contact help@aclstudentbenefits.com or call We Speak Student at 1 (800) 315-1108.
*Please Note*
Drug, Dental, Extended Health Claims can be submitted online or by mail.
Hospital & Doctor appointments, blood tests, emergency room visits, x-rays, ultrasounds, walk-in clinic visits, and diagnostic imaging can only be submitted by mail.