Gender Affirming Insurance Fund
The Gender Affirmation Care we receive as undergraduate students at Concordia is subpar in service and its offerings. The requirement to pay for services upfront is a massive barrier for most trans people seeking treatment and is out of reach for most students.
This program has $20,000 set aside for trans students at Concordia to make the insurance accessible. Taking the form of Interest Free loans of up to $10,000*, anyone who qualifies to use or has successfully used the insurance is eligible for using our fund.
The General Contract
In order to prevent any fraud and eliminating the fund, recipients must sign a contract for their loan of the funds. Funds remain interest free for 2 months where after it will accrue interest unless you can make your case to the board of directors for why interest should be paused (Bank holds, GreenShield processing error, etc.).
Loans are only given to those who meet the conditions of the checklist below. We can help you meet certain conditions if you are having difficulty navigating the confusing insurance system that is StudentCare.
The contract is just a fallback for liability purposes.
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Readable Contract
Please use this checklist to prepare what you need so that you can access the insurance fund.
PDF available
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Drop by office hours Wednesday or send us a message if an alternative time is needed. Loans are given on a first come first serve basis and the announcement of available funds will be made once reimbursements are made on our Instagram & Discord.
As of September 2024, The GreenShield+ Online portal is non-functional. You must submit claims directly through GreenShield's Support line via email: customer.service@greenshield.ca
International Students are eligible for the Community Fund so long as they have opted in with CSU's dental plan as they are packaged together. The health and dental plan is processed by Desjardins or BlueCross as an international student. Ensure you are registered for the Health/Dental Plan prior to registering for the Gender Affirmation Benefit. The same checklist requirements still apply.
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Studentcare adds some arbitrary additional restrictions to the care plan to prevent students from using it such as a $5,000 maximum on any single procedure and $10,000 lifetime maximum. This is only mentioned on StudentCare's GAC information page, not the GreenShield booklet.
Some services like electrolysis are covered by the insurance but are not listed in the booklet, this is why it is important to get a pre-authorization for your first claim of any type of service. Repeat claims for the same service do not require pre-authorization.
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For example, if you previously used $500 of the GAC insurance and are doing facial feminization surgery, simultaneously a Rhinoplasty and Hairline adjustment that individually each costs $6,000 (total $12,000), you will only be reimbursed $9,500.
This is because you exceeded the $10,000 Lifetime Limit and the $5,000 procedure limit.
($5,000 from Rhinoplasty, $4,500 from the Hairline adjustment).
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Full GreenShield Gender Affirmation Benefit Policy Details for 2024-2025 pdf
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It is highly suggest to send in your diagnosis of gender dysphoria through a pre-authorization form prior to using any services to prevent the wrongful denial of claims!
*Not satisfied with the coverage? Neither are we!
Make your voice heard by contacting the CSU executive team, and any councilors, as they have refused to fund our project, all costs are presently bore by Queer Concordia.
Pro tip, most councilors and executives have alternative individual emails that are generated by using
(First name initial)(Lastname)@csu.qc.ca for example: AXyz@csu.qc.ca
Useful Links (may be out of date)
StudentCare Insurance Registration Link
CSU Announcement of Gender Affirming Care
StudentCare Gender Affirmation Benefit Details
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