GSA Health & Dental Plan


January 7 - January 28, 2022 Scroll down to Change of Coverage section for details

Empower Me

is a short-term solution for your mental health concerns. Empower Me allows students to connect with qualified counsellors, consultants, and life coaches for a variety of issues.

Learn more about Empower Me here

COVID-19 updates

Have questions?

Visit the StudentCare website for the most up-to-date details about the GSA Health and Dental Plan including plan coverage, how to claim, change your coverage, and so on. You can also contact StudentCare directly for details regarding your account.

StudentCare website

Overview of the GSA Health & Dental Plan

To help University of Calgary graduate students pay for the health services they need, the GSA has partnered with Studentcare in order to provide students with extended health and dental coverage. The Plan is designed specifically to fill the gaps in provincial care (the Alberta Health Care Insurance Plan - AHCIP)

Watch the recording: GSA Health & Dental Q&A (September 3, 2021)

Who's covered?

All eligible full-time graduate students who are registered in classes are automatically covered by the Plan for 12 months of coverage (your student year), starting on the first day of the first month of your first term of study:

  • September students: September 1 - August 31
  • January students: January 1 - December 31
  • May students: May 1 - April 30
  • July students: July 1 - June 30

Certain exceptions exist. Please check your student account to confirm if you have been charged the Plan fees.
Part-time and distance students are not automatically enrolled, but may be eligible to enrol themselves in the Plan.

What's Covered?

Among other features, the Plan covers health, dental, vision, and travel benefits

  • Up to 80% for prescription drugs to a maximum of $10,000
  • $1,825 for health practitioners (psychologists, master of social work, registered clinical counsellor physiotherapists, chiropractors, etc.) (Please note: $1825 is broken down per service. As an example, $500 of the $1,825 is the maximum amount per year for seeing a psychologist. See the breakdown in the Your Plan at a Glance guide)
  • Up to $375 in vision care (eye exams, eyeglasses and contact lenses, laser eye surgery)
  • Up to $850 in dental care (checkups, cleanings, fillings, extractions, endodontics, periodontics, etc.)
  • $5,000,000 in travel health coverage per incident and 120 days per trip
  • $5,000 for trip interruption and $1,500 for trip cancellation in the event of a medical emergency
  • Ambulances, dental accidents, medical equipment, and more!

Visit  for complete details.

Visit HERE for the complete Your Plan at a Glance guide.

Quick Links

Download your New Pay-Direct Card

Desjardins Insurance’s carrier number has changed to 51

Download and fill in your Full name and Student ID.

Download Here

Submit your claims faster with StudentCare app

Learn more and download the app here.

Download Here

Your Plan at a Glance

Download the your Plan Guide here

Download Here
Alberta Health Care Insurance

Have no Canadian provincial health care? You'll need it to be able to use the Health and Dental Plan.
A provincial plan is a requirement for your insurance benefits plan (below) to be active.
To obtain Alberta Health Care:

Learn more about Alberta medical insurance on the UCalgary's International Student Services page here:

*Any Canadian provincial healthcare card should work with the GSA Health and Dental Plan.

How Can I Save More?

You can further enhance your benefits by visiting health professionals who are members of the Dental, Vision, Chiropractic, Psychology, Physiotherapy, and Massage Therapy Networks. You are covered for one insured portion regardless of the health professional you choose. By consulting a Network member, you will get additional coverage. For example, by visiting a Dental Network member, you will receive an additional 30% off dental services, enabling you to get up to 100% coverage.

How Much Does It Cost?

The total annual cost of the Plan is $579.00 for students starting is September, January, May or July. The student year lasts 12 months from the first day of the month that your initial term begins. For example, students starting in September are covered from September 1, 2018 - August 31, 2019. The cost of the Plan is automatically included in your tuition and other fees.
(Please note: The fees listed below are effective starting May 2021.)

  • Single Student


    Health = $305.00
    Dental = $274.00

  • Add One Dependent (spouse OR child) for an additional


    Health = $305.00
    Dental = $274.00

  • Add Family Members (spouse + unlimited number of children) for an additional


    Health = $545.00
    Dental = $490.00

Can I Change my Coverage?

If you are covered by another extended health and/or dental plan (i.e. parent or spouse’s employee plan, not AHCIP), you can combine both plans to maximize your overall coverage and reduce or eliminate out-of-pocket costs.

Alternatively, you can opt out of the health portion, the dental portion, or the Plan in its entirety during the Change-of-Coverage Period, based on the month you started your studies.

Once the opt out is complete, you will receive a credit to your student account for the amount of the Plan. If you are eligible, the Change-of-Coverage Period is also when you can enrol yourself and your spouse and/or dependent children in the Plan.

Submit your Change-of-Coverage requests here
Change-Of-Coverage Period is based on the month of your first term of study:
  • May students: April 26 – May 14, 2021
  • July students: June 23 – July 7, 2021
  • Special July Change of Coverage period for international students to opt out: July 5 - 19, 2021
  • September students: August 27 - September 24, 2021
  • January students: January 7 - January 28, 2022

For information about the opt-out process, visit this page HERE

Have more questions?
Information will be available online at , or by calling the Studentcare Member Services centre at 1.855.535.3212, Mon - Fri from 9 am to 5 pm. Read our FAQs here.

NEW! Virtual Health Care Service


As an eligible student, you now have access to Dialogue—an online service offered through your student Plan administrator, Studentcare, that connects you virtually with nurses and physicians.

To keep you at your best every day, Dialogue makes health professionals available to you wherever you are. Health care is always just a tap away, and you never have to wait in line at a clinic.

Attention! International students
International students can also consult a nurse or doctor for any health-related questions via chat, video, or phone. Please note that specialist referrals and drug prescriptions are not available outside of Canada.

For any questions, contact

Get started with Dialogue here

Empower Me

Students covered by the GSA Health Plan have access to Empower Me - a mental health and wellness service that seeks to contribute to a resilient student community by supporting existing on-campus and Studentcare mental health resources.

Empower Me allows students to connect with qualified counsellors, consultants, and life coaches for a variety of issues. As a student covered by the GSA Health Plan, you're entitled to sessions delivered in person, by telephone, by video-counselling, or by e-counselling.

Visit the Empower Me page HERE.

Empower Me is:

  • Available 24/7, 365 days per year
  • Confidential
  • Multilingual
  • Culturally sensitive
  • Gender inclusive
  • Faith inclusive

    Connect with Empower Me:

    • Call the 24/7 helpline at 1-833-628-5589 from anywhere in North America to be directly connected to a trained counsellor—the person answering the phone is not an operator, administrator, or receptionist.

    Access Empower Me on the EAP Optima App

    You can also connect with Empower Me through the EAP Optima mobile app, available for download from the App Store and Google Play. With the app, you can:

    • Chat with a counsellor
    • Consult professionals via videoconferencing appointments
    • Call the 24/7 helpline
    • Access other health and wellness resources

    To create your account on the app, use this access code: 45295QG40
    For a step-by-step guide to creating an account, click here.

    Have more questions?
    Check out the FAQ here.

    For international students who are having difficulties getting through, or if you are in countries other than the ones with numbers that can get in contact directly through the call center, please email

    Other Resources

    UCalgary Student Wellness Services

    UCalgary Student Wellness Services offers health services, health promotion and outreach, and mental health services. For more details, visit

     Out of Province students seeking health care

    Student Wellness Services offers medical support for students. Students from out-of-province must arrange for Alberta Health Care coverage. For further information please see:

    Resources compiled by the GSA Mental Health & Wellness Committee