Understanding Health Care Costs for Diabetic International Students in New Brunswick, Canada
As a generation-old UNB graduate, health care and insurance never crossed my mind as a student. However, your question sparked my interest, prompting me to delve into the details. After thorough research, I’ve outlined the various health insurance options and costs associated with being a diabetic international student in New Brunswick, Canada.
Insurance through UNB Student Union
Full-time undergraduate students, taking three or more courses, are automatically enrolled in the student health and dental insurance plan, paid for by the Student Union Fee. This plan includes insulin coverage up to $750 per year and various supplemental plans, details of which can be found on the UNB Student Union page. However, you should verify that your Student Union Fee covers the insulin cost by contacting them directly.
Registration with New Brunswick Medicare
If you hold a Canadian Student Visa, you can register with New Brunswick Medicare—provided you are not an exchange student. New Brunswick Medicare covers almost all medical expenses, but you must apply by the start of September and meet a three-month residency requirement. However, you can receive your Medicare card before the residency period ends. During this waiting period, you are responsible for all medical costs and must purchase emergency health insurance through UNB.
University-Mandated Medical Insurance
The University of New Brunswick requires all students to have medical insurance, which costs $200 for four months, as detailed on the UNB Financial Services page. However, you should speak to someone at Financial Services to confirm the exact requirements. The University's Director of Financial Services, Krista Dixon (CPA CGA), can be reached at 506-453-4666 or toll-free at 888-895-3344. Ask for Financial Services directly and speak to someone in that department for guidance.
Summary and Cost Considerations
In summary, there are at least three agencies offering coverage options:
Student Union (automatic enrollment) New Brunswick Medicare (registration required and eligibility criteria met) University-Mandated Insurance (required for enrolled students)While the process may seem convoluted, the University of New Brunswick’s Financial Services department is the best resource to clear any doubts. Once you are enrolled in the student health and dental insurance plan and New Brunswick Medicare, your diabetic treatment and other medical expenses are likely to be covered.
Understanding these details can significantly alleviate financial stress, ensuring you can focus on your studies. Good luck!