This presentation is aimed at international students at Grenfell Campus, Memorial University in Newfoundland and Labrador (Canada).

1. INTERNATIONAL
HEALTH INSURANCE
101
GRENFELL CAMPUS, MEMORIAL UNIVERSITY
BY: PATRICK ARSENAULT

2. WHAT IS MCP?
• The Newfoundland and Labrador Medical Care
Plan (MCP) is a comprehensive plan of medical
care insurance designed to cover the cost of
physician services for residents of the
province.

3. ARE INTERNATIONAL STUDENTS
COVERED UNDER MCP?
• The program applies to any foreign individual
issued an official study permit by Citizenship and
Immigration Canada before entering the country.
The individual must be attending a recognized
post-secondary educational institution in
Newfoundland and Labrador for a period of at least
12 months.
• Dependents of the student will also be covered
under MCP, provided they are living in the province
and have relevant documentation to support their
application.

4. WHAT DOES MCP COVER?
• visits to a physician's office, hospital or beneficiary's
residence
• surgical, diagnostic and therapeutic procedures,
including anaesthesia
• pre- and post-operative care
• complete maternity care
• radiology interpretive services
• certain surgical-dental procedures which are medically
necessary to be performed in hospital by a dentist or
oral surgeon

5. HOW MUCH DOES MCP COST?
• If you are eligible, MCP is entirely free.

6. WHAT IS GUARD.ME?
• Guard.Me is a private health insurance
provider that has a contract with Memorial
University. It is meant to relieve immediate
pain and suffering caused by a condition that
is not pre-existing.

7. ARE INTERNATIONAL STUDENTS
COVERED UNDER GUARD.ME?
• All international students at Memorial
University are automatically enrolled and
covered through the Guard.Me insurance
unless they opt out by the deadline and meet
the very specific requirements to opt out.

8. WHO CAN OPT-OUT FROM
GUARD.ME?
• Graduate students that are covered under MCP (for at
least 6 months) and that want to transfer to the
graduate student union insurance instead.
• Undergraduate or ESL students that are covered under
MCP (for at least 6 months) and that want to transfer to
the student union insurance instead
• In some rare cases, you may be able to opt-out if you
receive comparable insurance through a scholarship
program. You need to check with Patrick.
• The deadline to opt-out is January 18th, 2017.

9. WHEN WILL GUARD.ME POLICY
NUMBERS BE AVAILABLE?
• You can expect to receive your policy number
by early February at your mun email. In the
meantime, you are still covered. You may have
to pay up front and get reimbursed later.

10. WHAT TO DO IF YOU ARE SICK?
• In an emergency, go to the Western Memorial Regional
Hospital
• Provide staff with the following information:
 Name
current address
home address
telephone numbers
Student Guard.Me number OR MCP Card
• If you do not have your policy number or MCP, accounts
payable will hold the billing for this client’s visit for a
maximum of three weeks and make a couple of
attempts at contacting the client, if billing information is
not received by this time the client will be billed for the
visit.

11. WHAT TO DO IF YOU ARE SICK?
• If it is not an emergency, you can make an appointment to see a doctor on
campus
 To book an appointment with Counselling and Psychological services, please call
637-7919 or drop by the clinic office.
 To book an appointment with a Physician, please call 637-7919, email
healthservices@grenfell.mun.ca or drop by the clinic office.
 Please bring along your MCP health card (which you can apply for if you are living
in the province for over a year). or GuardMe insurance card (for international
students living here for short term or ESL students). You can find your GuardMe
insurance info in you MUN email.
 Health services office hours are 8:30-4:30pm Monday, Wednesday, Thursday and
Friday and 2:00-9:00pm on Tuesdays.
 Physician clinics are offered on Tuesday evenings (6:00-9:00pm) and every
second Friday morning (9:30am-12:00pm).
 Physiotherapy and Chiropractor services are also available through Health
Services, Monday morning from 9:00am-12:00pm) and Wednesday mornings
from (8:30-11:00am)
Your Guard.Me may not cover the cost of treatment or consultation if it is not an
emergency, especially if it is a pre-existing condition. Please review your policy.