Student Health Insurance On-Campus Representative

Do you have any specific or confidential claim-related questions? 

An ACL representative is available on campus to answer both WeSpeakStudent and Morcare insurance questions for you. 

Get a one-on-one, in-person consultation on your insurance plan straight from an expert – for free!  

Lakeshore Campus 

Location: Wellness Centre (Welcome Centre, 2nd floor) 

Schedule: Monday and Tuesday  

North Campus 

Location: Wellness Centre (LRC, 2nd floor)   

Schedule: Thursday and Friday 

Rotating Schedule 

Location: Alternating between North Campus (Wellness Centre) and Humber Downtown (Student Success Hub, 4th floor) 

Schedule: Wednesday 

All HUMBER STUDENTS (some exceptions), regardless of whether they’re part-time or full-time, are automatically billed with the IGNITE Health & Dental fee ($111.12) each semester along with their tuition. 

If you’re not sure if you’re covered, you can check by following this step-by-step: 

If you followed these steps and you’re still unsure, get in touch via the Contact Us or blue live chat box in the bottom right corner of the screen. 

Student Benefit Card 

Whenever you want to use your insurance, make sure to have your Student Benefit Card on hand, either physically or on your phone (you can get a physical card at IGNITE’s offices or download the e-card [PDF]). Usually, your service provider can bill WeSpeakStudent directly and you’ll only pay the difference between the cost and the amount that is covered. 

Sometimes, you’ll need to pay up front and file a claim to request reimbursement. Filing a claim means you are asking WeSpeakStudent to reimburse you for an appointment, prescription or other service that you’re covered under your insurance plan. By filing a claim, you provide documentation (your service provider and receipts for costs incurred) so the insurance company can validate your claim and compensate your costs. 

To file a claim, you’ll need to create an eProfile with WeSpeakStudent. Once you have created your profile, you can submit your drug, dental and extended health claims either online or by mail. For more information on how to file a claim, download this handy guide [PDF]. 

Opt-in/Opt-out Period

Fall 2024 semester

• September 1, 2024 – October 11, 2024, by 4:00 p.m. 

Winter 2025 semester

• January 1, 2025 – February 14, 2025, by 4:00 p.m. 

Summer 2025 semester

• May 1, 2025 – June 13, 2025 by 4:00 p.m. 

How to Opt-Out 

You must be in the first semester of your academic year to qualify to opt out. This means that if your program starts in September, you must opt out by the Fall semester deadline. If you miss the deadline, you are not able to opt out of any following semesters for the academic year. Deadline dates are listed above. 

As long as you’re covered by an alternative provider that covers drug, dental, and extended healthcare, you may submit an opt form to WeSpeakStudent. Depending on your alternative coverage, you are eligible to opt out of the entire plan or the prescription part of the plan only. Once you submit an opt out form with proof of alternative coverage through the WeSpeakStudent website, please ensure that you receive an email confirmation. If you do not, please contact WeSpeakStudent directly. All ineligible applications will be disregarded and will not be approved to receive the corresponding refund. Please monitor your emails as you will be contacted at the email address provided on the opt out form should you provide incorrect information. WeSpeakStudent will allow you to resubmit valid responses within a timeframe in the case that any information filled in is incorrect. 

Students who opt out of the IGNITE Health and Dental Plan successfully at the beginning of their study term will be opted out for the entire academic year. Please keep in mind that you must also include your personal direct deposit information as the refund will come as a reimbursement directly from the insurance provider. Refunds will not be processed until 6-8 weeks after the opt-out deadline. 

For full details and to opt out, visit WeSpeakStudent. 

How to Opt-In 

If you’re not a full-time student this semester but want coverage, and you’re registered for at least one course or enrolled in a mandatory placement, you can opt in for IGNITE’s Health and Dental Insurance for the academic year. If you have not been billed this semester’s fee and want to opt in, use the Contact Us or live chat links below to get in touch before the deadline dates listed above. 

Family Opt-in 

IGNITE cares about you and your family, which is why spouses and dependent children can be added to a student’s health and dental insurance plan for an additional fee. You can apply via WeSpeakStudent by choosing the Family Opt-In option before the deadline dates listed above. 

Application

Plan Change Period

Fall 2024 semester

• September 1, 2024 – October 11, 2024, by 4:00 p.m. 

Winter 2025 semester

• January 1, 2025 – February 14, 2025, by 4:00 p.m. 

Summer 2025 semester

• May 1, 2025 – June 13, 2025 by 4:00 p.m. 

IGNITE knows that no one plan fits all, which is why we offer three different plans to give you a choice in the health services you receive Once the year starts, you will be enrolled in the Balanced Plan by default, but you can switch to either the Enhanced Dental Plan, which boosts dental services or the Enhanced Drug Plan, which increases your prescription coverage. All plans cost the same, so you won’t need to pay any additional fees, but these changes need to be made at the beginning of your academic year (deadlines above). Once you choose the plan that suits your needs, you will be enrolled in that plan for the whole policy year. 

Visit WeSpeakStudent for full plan details and to choose your plan. 

As an international student attending Humber Polytechnic, you are automatically enrolled in the mandatory International Student Insurance (Morcare) alongside the IGNITE Health and Dental Plan (WeSpeakStudent).

Mandatory International Students Insurance (Morcare) 

This plan covers hospital and medical services. The cost of this plan is $420.00, and it will cover you from the beginning of your academic year through August 31 of the following year. 

If you have any questions regarding this coverage, you will need to contact the International Students Office via the contact form here. 

IGNITE Health and Dental (WeSpeakStudent) 

This plan covers prescription drugs, dental, vision, extended health, etc. The cost of this plan is $111.12 per semester. 

If you have any questions regarding this coverage, please contact wespeakstudent.com 

If you’d like to access any service covered by Morcare, please ensure you present your Student Medical Card to your service provider. 

You can download and print your Student Medical Card here.  

For services covered under IGNITE Health & Dental plan, please ensure you present your Student Benefit Card to your service provider. 

You can also download and print your Student Benefit Card here!  

Visit the Humber International Centre website or the Morcare website for full details on the mandatory International Student Insurance Policy. If you have any questions regarding this coverage, you will need to contact the Humber International Centre. 

WeSpeakStudent is IGNITE’S insurance administrator. They are responsible for fulfilling IGNITE’s Health and Dental Insurance Plan for students. On their website, students can access all technical details like coverage, maximums, deadlines, e-profiles, registration, claims, pending or declined claims, remaining balances, as well as other supporting information about your insurance plan. 

If you have any specific insurance-related questions that need clarification, we advise you contact www.wespeakstudent.com through the following forms of communication: 

1. Live chat: Can be reached through the link here at the bottom right corner of the page.
2. Email: [email protected]
3. Phone Line: 1-800-315-1108
4. IGNITE email: [email protected]

Please let us know if you are unable to contact WeSpeakStudent and we may escalate your inquiry for a quicker response.