Student Health & Dental Plan

Important Update

If your coverage started before September 1, 2023 Please refer to the 2022/23 Health Overview document for accurate benefit limits

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Add Dependants

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Live Your Best Life!

The Saitsa Health and Dental plan, administered through the Campus Trust, provides access to thousands of dollars in coverage for prescription medication, dental treatments, paramedical services and multiple other benefits at a premium 5 times cheaper than traditional coverage plans.


The following SAIT students are eligible for the health and dental plan:
  • International Students: All international students
  • Domestic Students: Full-time (9+ credits) in an eligible program at SAIT


Please note that while the plan is available to most SAIT students, eligibility may vary based on specific programs or circumstances. If you require more information regarding your eligibility for the plan, please don't hesitate to contact us.


If you have existing health and/or dental coverage, you may request to opt-out or coordinate your benefits to receive up to 100% reimbursement for eligible expenses.

Contact Us

IMPORTANT: Please review the OPT OUT DEADLINE PERIODS before contacting the benefits coordinator. You cannot Opt Out of your Health & Dental benefits until the Opt Out period begins.

Questions? Concerns? Please fill out the contact form below or reach us by email.

General Inquiries

Plan-Specific Inquiries or Portal Access Problems?

If you have any questions or need further assistance, please contact the provider

Fees & Coverage Periods

Semester Coverage

Fall

Coverage

September 1 2023 - December 31 2023

Health Fee

$86

Dental Fee

$79

Total

$165

Winter

Coverage

January 1 2024 - April 30 2024

Health Fee

$86

Dental Fee

$79

Total

$165

Spring

Coverage

May 1 2024 - August 31 2024

Health Fee

$86

Dental Fee

$79

Total

$165

Full-Year Coverage

Fall/Winter

Coverage

September 1 2023 - August 31 2024

Health Fee

$172

Dental Fee

$158

Total

$330

Winter/Spring
Coverage

January 1 2024 - December 31 2024

Health Fee

$172

Dental Fee

$158

Total

$330

Spring/Fall

Coverage

May 1 2024 - April 30 2025

Health Fee

$172

Dental Fee

$158

Total

$330

Important

 To qualify for full-year coverage, students must meet eligibility requirements and be assessed health and dental fees for two semesters within their academic year; otherwise, only semester coverage will be provided. 

How-to Videos

Account Registration

Visit studentbenefits.ca and register to view your current coverage information and access your benefits cards.

The portal also provides access to claims submissions, travel card info, direct deposit and more!

Opting Out

Students at SAIT that have comparable coverage to Saitsa’s health and dental plan have the option of opting out.

You do not need to register to file for an opt-out.

*Please see below for Opt Out deadlines

Adding Dependants

SAIT students may add their dependants to their health and/or dental plans.

*Please see below for Add Family deadlines and definitions


How-To File A Claim

Students who paid out-of-pocket for eligible expenses may submit a claim for reimbursement!

*All Claims must be submitted within 6 months of date of service

2023-2024

Opt Out & Add Dependant Deadlines

Term Start

Deadline Period

September 2023

Sept. 1 - 15


October 2023

Oct. 1 - 13


January 2024

Jan. 1 - 12


March 2024

Mar. 1 - 15


April 2024

Apr. 1 - Apr. 12


May 2024

May 1 - 17

*Submitting an add dependant or opt out application before or after your deadline period will be declined

2023 - 2024

Add Dependant Fees & Coverage Periods

Fall 2023

September 1, 2023 - August 31, 2024

Add-On

Fee

Couple Health

$250


Couple Dental

$265


Family Health

$325


Family Dental

$365

Winter 2024

January 1, 2024 – December 31, 2024

Add-On

Fee

Couple Health

$250


Couple Dental

$265


Family Health

$325


Family Dental

$365

Spring 2024

May 1, 2024 – April 30, 2025

Add-On

Fee

Couple Health

$250


Couple Dental

$265


Family Health

$325


Family Dental

$365

IMPORTANT

We strongly encourage all eligible students to carefully assess their coverage needs and consider the duration of their own benefits plan before adding dependants. Prorated refunds for adding dependants will not be issued if you receive semester-only coverage.

Wellness Services and Resources*

*These services/resources are provided by SAIT not Saitsa

Any inquiries should be directed towards SAIT

Free Counselling at SAIT

Website

SAIT Student Development and Counselling is currently operating in-person and virtually.

Call the SAIT Counselling office at 403.284.7023 to book an appointment.

SAIT Counselling Office Hours: Monday – Friday 8:30 am – 4:15 pm


Headversity Resilience Training App

Download iOS

Download Android

Access Code: SAITR8

Headversity is a SAIT mental wellness app providing users with content and resources to better understand mental health and develop skills necessary to overcome adversities and challenges.

For more information click here.

Frequently Asked Questions

How do I know if I have paid the Health and Dental fees?

Saitsa Health and Dental charges are not included within your tuition costs, they appear as separate line items.

SAIT students can check their online student account statement and locate the following line items to see if they have been charged: 

“Student Health Plan Fee” 

“Student Dental Plan Fee”

 

*Please ensure you are checking the correct term for the fees. 

How do I pay the Health and Dental fees?

Students can pay their health and dental fees the same way they pay their tuition.

SAIT accepts payments in one of the five online methods: 

1. Pre-authorized debit (PADs) 

2. Credit Card 

3. Online banking through your financial institution 

4. PayMyTuition (for international students to pay in your home currency) 

5. CIBC International Student Pay 


*Note: A 2.5% service fee will be charged on all credit card payments and a 1.5% service fee will be added to all Visa Debit and MasterCard Debit transaction. These service fees are non-refundable. 

How do I get my Benefits Cards?

You must first register on studentbenefits.ca prior to receiving your virtual benefits cards.

After you have registered you may follow the below steps: 

1. Select “Benefit Card Info” on the left-hand side of the home webpage 

2. Choose to either view your Pharmacy Card or your Dental Card 

3. Take a screenshot or print your cards 


By presenting your Benefit Card, you can fill prescriptions at any pharmacy and access your dental benefits at your dental office. 

Do I need to opt out every year?

SAIT students are required to submit an opt out form every year they are returning as an eligible full-time student.


Please be advised that SAIT students are only allowed to opt-out of their benefits plan during the deadline period of their intake month or their benefits renewal month for returning students. It's worth noting that if this deadline is missed, students must wait a full year before they are eligible to opt-out again. Therefore, it's important to carefully consider whether or not to opt-out during the designated month to avoid missing this opportunity for the entire academic year

What if I want to opt back in?

SAIT students can only opt back in to the plan if the coverage they used to opt out terminates or changes within 30 days of receiving an approved opt-out email. After 30 days of receiving an approved opt-out, students are no longer eligible to opt back in for one year. 

Confirmation of loss of coverage is required on re-application for coverage. Please email proof of loss of coverage to saitsa.benefits@edu.sait.ca or drop in to visit the SAITSA Resource Centre office located MC107 of Stan Grad building. 

What does Family Add-on +1 and 2+ mean?

Family Add-on +1:

Can add 1 spouse or partner, or 1 child under 21 

Family Add-on 2+

Can add 1 spouse or partner and/or 1 or more children under 21 

Why is the Saitsa Health and Dental Plan mandatory?

The health & dental plan are mandatory because the cost would be too great and the benefit too little. In an opt-out package, insurers are able to spread out the potential risk (i.e. the likelihood that they would have to pay the claim) amongst a large group of people, driving down the cost for everyone. 

How am I charged for the plan?

SAIT students will have the Saitsa Health and Dental plan charges applied to their MySAIT student account. To qualify for full-year coverage, it is necessary for students to receive two fee assessments within a single academic year.

What if my provider is not set up to submit my claim directly?

You must pay up-front and then submit the claim for reimbursement. Claims can be submitted here. Alternatively, you can submit a claim via email, fax, or mail by printing a claim form (found in the Download Centre on studentbenefits.ca) and attaching your receipts. 

*Please note: Doctor referrals are required for some expenses, and must be submitted with your claim. 

What happens to dependant coverage if I do not receive 2 assessments of the Saitsa H&D fees?

Dependant coverage remains in effect only if the primary benefit holder (the student) maintains active insurance. Consequently, if you do not receive two assessments of the Saitsa Health & Dental fees, your coverage as well as the coverage for your dependants will be terminated at the conclusion of your last eligible semester. It is important to be aware that prorated refunds will not be issued in the event of premature termination of primary coverage.

How do I know if the drug I have been prescribed is covered under the plan?
How do I receive my 90-Day Travel Card?

Students can access their virtual travel card by following the below steps: 

  1. Visit studentbenefits.ca 
  2. Choosing SAIT Students’ Association as your school. 
  3. Once on the home page, select “Download Centre” found on the left-hand navigation pane. 
  4. Select “Travel Card” from the options provided 


*Please note you must first register on studentbenefits.ca prior to accessing the 90-day travel card. 

Can I use my benefits outside of Calgary or Alberta

Yes the Saitsa Health and Dental Plan can be used in any province and/or territory in Canada towards eligible services and providers. 

Health & Dental Documents

APPROVED DRUG LIST

HEALTH RACK CARD

TRANSLATED DOCUMENTS

POLICY ADDENDUM

FAQ'S

FAQ'S - FRENCH VERSION