The current contract between SFU and Guard.me expires at the end of the August 2015. Six months in advance of that date, SFU can choose to continue with Guard.me for another 2 years. That gives us until the end of February to can convince SFU not to renew Guard.me. If you think the Guard.me contract is unfair, right now is the time to take action and end the rip-off. Here's some actions you can take:
Table of contents:
- Guard.me Timeline
- For those enrolled in Guard.me
- How to opt out of Guard.me
- TSSU's Research & Issues with Guard.me
Guard.me in the Media
Guard.me' is a new mandatory private medical insurance plan for 'newly enrolled' international students at Simon Fraser University implemented in January 2013. This plan's intention is to cover the 2-3 month waiting period that new arrivals to BC must wait before they are covered by MSP (the public provincial Medical Sevices Plan). Guard.me's contract with SFU ends at the end of 2015.
The TSSU first heard rumours about this plan in Summer 2012, discovered the beginning of the many issues associated with the plan in May 2013 as they were effecting members (including re-enrollment in the private plan even when members were already covered by MSP, more details below), met with SFU in an informal meeting to see if things could be resolved in July 2013 and filed a grievance the day after. In the time since July 2013 we have had three deliveries of information of our FOI request in which we discovered SFU chose the most expensive plan of all offered, and the plan chosen also included a 5% kick-back payment to SFU with no restrictions as to use (details below). Most recently, on November 27th 2014, we received four five-inch binders of disclosures including even more surprising details of the plans inception (of which we are still investigating & processing at this time).
On December 4th & 5th, TSSU had an arbitration scheduled with SFU's legal representative and heavy-weight mediator Vince Ready at Harbour Centre. SFU asked for mediation to begin, and both days were spent in trying to reach mediated settlement. Settlement was not reached and the mediator will make non-binding recommendations. Once those recommendations are received both the union and the employer have to agree to the terms of settlement. If agreement is not reached, Vince Ready will hold an arbitration.
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FOR THOSE ENROLLED IN GUARD.ME
Check out our information below and/or watch our first 5 and a half minute video (Click here for video) to get the basics of what's going on, how to opt-out, and how to get the most amount of money back possible.
The medical coverage you receive in BC is broken down into two separate parts: hospital and doctor coverage, and extended benefits (prescription drugs, physiotherapy, dental, etc.).
The GSS has published a comparison of the plans. You can find the Comparison-of-Coverage PDF here.
You can find more information on the Human Resources website here.
SFU has also created page that summarizes medical insurance for students, you can find that page here.
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Upon first arriving to BC you have to wait two-three months before receiving the provincial health care coverage known as "Medical Service Plan" (or MSP). In these three months it is now required by SFU to have medical coverage and you are automatically enrolled in a plan known as Guard.me. The $353 cost is charged in your student fees. There are ways to get some of those fees back.
Important: if you make any claim on guard.me, you will be unable to get a refund of your unused fees. If you need a service, such as physiotherapy or prescription medications, we recommend that you carefully consider your options. The GSS extended health plan also provides coverage for these items and it may be very beneficial for you to not make a claim for such expenses.
To ensure you receive the maximum refund, you should opt-out as soon as possible. Once you have MSP coverage, the Guard.me coverage provides little to no benefit to you and you're paying for duplicate coverage. The matter of Guard.me enrollment is currently has a grievance between TSSU and SFU, as our collective agreement says members should be able elect to obtain coverage (i.e. opt-in, rather than opt-out). However, there is currently no mechanism for students to do this. Thus we recommend students opt-out via the procedure below.
If you have any questions or problems, don't hesitate to contact tssu (at) tssu.ca.
Guard.me is unnecessary and onerous. Here is a game like timeline to help you know what to expect and common pit-falls to avoid in opting out:
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TSSU's Research & Issues with Guard.me
Comparison chart of BC universities' plans for international students:
(Download PDF HERE)
Freedom of Information Request Results:
The TSSU obtained the information presented in the above table through a freedom of information (FOI) request.
Guard.me option C (with the stars) is the international student insurance plan SFU decided to implement. The $336 plan listed here does not include the $17 administration fee SFU charges on top of the fee paid to Guard.me itself.
What does SFU get out of it?
The SFU administration chose the most expensive international student health insurance plan that offers the largest unrestricted kickback (5%) to SFU.
This option allows SFU to pull the most revenue so that, when combined with the administration fee SFU charges, the university is receiving 10% of the $336 cost of the plan back as revenue, totalling to $34 per student. Combined with the fact that undergraduate students are not allowed any refund, that it is a complicated procedure to opt out of, and that all international student are automatically enrolled, this is a huge source of money for the university. And it is at your expense.
7 Key Issues with the Program
Get involved by contacting tssu(at)tssu.ca
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