Health & Dental Coverage
Domestic Students Health & Dental Coverage
The CCSAI works with WeSpeakStudent to offer a comprehensive health and dental plan for full-time domestic students.
The We Speak Student plan covers a number of services including: Prescriptions, Dental Care, Vision Care,Student Assistance Program (SAP) for mental health resources and more.
Please note that the plan is active for semesters in which you are enrolled in a full time program and pay the Health and Dental Insurance (HADI) fee. Please check your fee statement to confirm that the fee has been paid and you are eligible. Students on Co-Op semesters, Apprenticeship, or Part-time programs do not currently pay the Health and Dental Insurance fee.
Deadline to Opt-Out or Add a Dependent
The Deadline to Add Dependents or Opt-Out:
Fall 2025 – October 10, 2025 at 4:00 PM.
- To Opt Out or Add Dependents head to WeSpeakStudent.com and select either the Opt Out or Add Dependents tile and follow the on-screen prompts.
- Note: Students may only opt out of the plan or add dependents during their first semester of their academic year (fall semester) and provide proof of existing, comparable coverage.
International Students Health Plan
International students, you’re covered as well, but you’ll need to check out Guard.Me or International Education for more information on your plan.
Please note that online profiles along with claims and predeterminations will not be active on WeSpeakStudent.com for the first two weeks of the semester due to a blackout period.
All enrollment files will be received and uploaded by day 10 of the semester.
The plan is active as of the first day of the academic semester and services received between this time and day 10 can be submitted for reimbursement after day 10.
Prescription Drugs
Cover:
$1,200 Maximum
Coverage Details:
90% coverage
Dental
Cover:
$400 Maximum
Coverage Details:
- 70% Basic & Preventative
- 50% Minor Restorative
- 15% Extractions and Oral Surgery (limit 2 wisdom teeth)
Extended Health
Coverage Details:
- 80% Paramedical Practitioners (per treatment)
- $500 Combined Maximum for a clinical psychologist/ speech therapist
- $300 Combined Maximum for a registered massage therapist*/ physiotherapist*
*Physician referral required*
Vision
Coverage Details:
• 100% Coverage for a general eye exam every 24 consecutive months ($80 maximum)
• $100 maximum for prescribed lenses and frames or contact lenses every 24 consecutive months
Domestic Health Plan Webinar
Benefit Card
A printable version of your benefit card is available here. Just fill in the last 7 digits of your student number on the certificate ID followed by CCS and it’s ready to use.
E-Profile / Pre-Determinations
When a client creates their profile they can see all the info about them.
- Coverage amounts
- How much they have used of a service/ dates of service
- Eligible prescriptions
- A pre-determination can be used by the client (prescription coverage) or the service provider. A service estimate can be submitted and you get back eligible coverage amounts (or not)
- They can also choose different areas of health-related info to receive info about specific coverage.
Distance Learning Health Plan Information
- Many domestic students enrolled in distance learning programs may not be automatically included in the Health and Dental Plan.
- To confirm your enrollment, review your fee statement for the $93.84 Health and Dental Insurance (HADI) fee. If this fee does not appear, you are not automatically enrolled.
- If you were not charged the fee but wish to have coverage from September 1, 2025, to December 31, 2025, email Accounts Receivable at [email protected] to request that the $93.84 charge be added. The deadline to submit your request is October 10, 2025, at 4:00 PM.
- Please note that processing may take 7–10 business days, but once approved, coverage will be retroactive to September 1, 2025, allowing you to submit eligible expenses incurred during that period through the ClaimSecure Portal: https://wespeakstudent.com/home/75-centennial-college.
- If you wish to add dependents, the deadline is also October 10, 2025, at 4:00 PM. You can complete this process through the same link above, for an additional cost if this is your first academic semester.
- Once your payment (or credit reversal) is processed, send proof of payment to [email protected] to have your plan activated manually.
The importance of self-care and a healthy balance in mental and physical well-being for students is extremely important today, especially for those arriving to join a new community, experience different environments, and meet new peers. It often means facing challenges and dealing with new pressures. With this program, you are not alone. There are resources to find clinical support and assistance on your campus and in your community as well as coaching, tips, and tools available.
The WeConnect Student Assistance Program (SAP) provides mental health and wellness services to students through our virtual platform (powered by Dialogue), available via the web or a mobile application.
How do I access?
- Follow this link: https://app.dialogue.co/ or download the Dialogue application from the app store.
- Call 1-855-853-0565
Services include:
- Access is available 24/7 by phone or virtual resources, worldwide.
- Care is immediate by connecting with the intake team and payment for counselling is not required
- Time management and organization
- Career development
- Student-life balance
- Personal growth and development
- Dependent Care
- Daily Living / Life Coaching
- Mindfulness / Wellness Coaching
Frequent Asked Questions
Do You Have Dependents That Need Coverage?
You can add family members to your plan during the first academic semester of the school year. There is a fee that applies. Check out the We Speak Student page for details, costs, and deadlines.
Already Covered?
If you are already covered by an extended health and dental plan, you can opt out of ours and receive a refund. You can find all the details on the WeSpeakStudent website. Please note that we do retain $10 to maintain Accidental Death & Dismemberment benefits, access to the 24/7 student assistance plan for mental health and crisis support, and to cover administrative costs of processing the opt out.
*Only applies to students in their first academic semester of the school year.
When does my coverage start?
Your coverage begins after a two-week blackout period at the start of the semester but is retroactive to the first day of the month in which your semester began. This means you can submit claims for eligible expenses incurred during that time, provided you are a full-time domestic student enrolled in an in-person program and have paid the $93.84 HADI fee.
How do I submit an Accident Insurance claim?
To submit an Accident Insurance claim, you must provide proof of your enrollment status. Complete the IA Accident Claim Form and attach both the CASS form and a Letter of Enrollment. Once all documents are ready, submit them through the Claimsecure portal.
Can I opt-out of the WeSpeakStudent insurance to apply for the Canada Dental Care Plan (CDCP)?
No. All full-time students with a student health and dental plan—domestic or international—are not eligible for the CDCP, even if they opt out or don’t use their plan.
- Domestic students: WeSpeakStudent plan
- International students: Guard.me insurance plan
More info: Canada.ca/Dental
To learn more about the health plan, or if you have any questions, call us at 416-289-5262 from 8:30 am to 4:30 pm, Monday to Friday or email us at [email protected]