Health & Dental Plan

Which Health and Dental Plan do I use?

About UTMSU’s Health and Dental

UTMSU provides affordable and comprehensive health and dental coverage to all full-time undergraduate students at the University of Toronto Mississauga campus. The health and dental plans are provided through Green Shield Canada, the only national not-for-profit insurance provider in Canada with the support of the National Student Health Network.

Full-time UTM undergraduate students are automatically enrolled in the UTMSU plan. Depending on your registration, the plan provides extended health and dental coverage for up to 12 months, from September 1 to August 31, annually. The plans cover medical expenses that are not covered by the provincial government, therefore, they are supplementary to coverage under OHIP (Ontario Health Insurance Plan) or UHIP (University Health Insurance Plan), not a substitute.

What are your benefits?

Your health and dental plans offer comprehensive benefits, ranging from drug, paramedical, dental, vision, trip, and accidental. If you are registered for both the Fall and Winter sessions of the academic year, you are covered from September 1 to August 31. If you are registered to begin your studies in the Winter session of the academic year, you are covered from January 1 to August 31.

Disclaimer, Blackout Period:

A blackout period primarily applies to all incoming first-year students who were not registered under the UTMSU health and dental plans in the previous academic year. However, in some odd cases, upper-year students also experience blackout periods if they deferred/paid their fees late.

During this period, you will not be able to access your benefit coverage and submit claims. Any health and dental services received during the blackout period can be resubmitted for claim reimbursement after the blackout period, as long as you remain a full-time student at UTM. The blackout period ends shortly after the UTM confirms your academic enrollment.

  • Blackout Period for Fall and Winter session students: Approximately between September 1, 2020 – November 13, 2020
  • Blackout Period for Winter only session students: Approximately between January 1, 2021 – March 9, 2021

How to use your plan?

To use your UTMSU health and dental plans, you need your Green Shield Canada ID Number (or insurance policy number). This number is comprised of “UTM”, your student number, and “-00” for the primary plan user (as in you). For example: UTM1001234567-00. For additional family members and dependents added on the plan, the suffix may be “-01” or “-02”.

APUS provides affordable health and dental coverage to part-time students across all three campuses of the University. Depending on your registration, the plans provide extended health and dental coverage for up to 12 months, from September 1 to August 31 annually. The plans cover medical expenses that are not covered by provincial or other health insurance. The plans are supplementary to coverage under OHIP (Ontario Health Insurance Plan) or UHIP (University Health Insurance Plan), not a substitute. Through the health and dental plans, we do our best to provide coverage to address our members’ common health needs. Our health and dental plans are provided through Green Shield Canada, the only national not-for-profit insurance provider in Canada.

Please visit the APUS website for relevant documentation: apus.ca/health/

The University of Toronto Graduate Students (UTGSU) Health and Dental (HDI) Plan provides students with unique health benefits. The Plan was designed to provide many important services and cover expenses such as prescription drugs, health practitioners, medical equipment, and travel health coverage, which are not covered by a basic health-care plan (i.e. OHIP) or the equivalent (such as UHIP for international students). Unfortunately, a large number of students do not have access to affordable extended insurance through employers. Student health plans are designed to provide this access and eliminate barriers to affordable health care.

Please visit the UTGSU website for relevant documentation: utgsu.ca/health-and-dental/

How to use the UTMSU Health and Dental Plan:

  • Direct Billing: Some health and dental providers may be able to submit claims electronically on your behalf. In this case, provide them with your policy number and they can send a claim to the insurance provider for the amount covered by the plan. You will then only need to pay the remaining balance upfront.
  • Online Claims: When health and dental providers are unable to directly bill on your behalf, they will have you pay for your treatment out-of-pocket in full. If this happens, you may submit eligible claims for reimbursement online at Green Shield Canada Plan Member Online Services. The Plan Member Online Services is where you can manage your UTMSU health and dental benefits plan! By creating an online account and submitting claims electronically you are eligible to get your money back faster. Your online account is self-serve and will allow you to review your claims history, check coverage, print personalized benefit ID cards, and more. Click here to learn more about Plan Member Online Services and how to register
  • Manual Claim Forms: Another option besides using the Green Shield Canada Plan Member Online Services, is to mail manual claim forms. Please complete one of the claim submission forms below in order to be reimbursed appropriately by the insurance provider for amounts covered by your plan.

Health Claim Submission Form

Dental Claim Submission Form

Yes, you do!

Student Dental Discount Network

The Student Dental Discount Network is a network of preferred dentists who have agreed to offer UTMSU students up to 30% off basic dental services. By visiting a dentist that is part of the Student Dental Discount Network and using your UTMSU Members’ Health & Dental plan your total coverage can be up to 100% on common dental procedures. Click here to see the closest dentist to you on the Student Dental Discount Network!

GSC at Shoppers Drug Mart

UTMSU members receive a 10% discount with Green Shield Canada at Shoppers Drug Mart! Receive a 10% discount on the following products: President Choice®, no name®, Quo® & Life Brand®. Present your online ID card upon check-out.

Vision Discounts, Hearing Discounts, and more!

Visit the Green Shield Canada Student Centre to see more great discounts, like 30% off at clearly.ca, The Bay Optical, and more.

GSC On the Go Mobile App:

The On the Go mobile app is your companion on your mobile device. Log in to your Plan Member Online Services account and submit claims, check benefit coverage, and access your GSC digital ID card. Click here to learn more about GSC On the Go Mobile app.

UTMSU plan members can enroll a spouse/partner and/or dependent children on their health and dental plans at the beginning of their first eligible term. All family members enrolled for coverage under this plan must be residents of Canada. To opt-in your family members, please complete and submit the UTMSU Family Opt-in Form and additional plan fees to the UTMSU office by the above applicable deadline. Click here to download the form or visit the UTMSU Infobooth!

  • For Fall and Winter session students, the opt-in period is September 1-30.
  • For students who are registered to begin studies in the Winter session, the opt-in period is January 1-31.

Any UTM student who has comparable health and dental plans may choose to coordinate benefits. This allows you to use your UTMSU health and dental plans with any other health coverage that you may have. If you do not wish to coordinate benefits, you may opt-out of the plan. Opt-out applications must be submitted annually during the opt-out period.
After you submit your opt-out application, a summary email will be sent from Green Shield Canada with a transaction number. This number confirms that GSC received your application. You will be contacted by GSC if you have any mistakes in your application, otherwise you will hear from health@utmsu.ca when your application has been approved and a refund is ready.

When to expect your Health and Dental refund? 
  • Fall semester refunds usually occur in the last week of November via e-transfer.
  • Winter semester refunds usually occur in March via e-transfer. If students cannot accept the e-transfer a cheque will be issued and mailed.

Student Enrolled from September to April:

Students that are enrolled for both the Fall and Winter semester, who choose to opt-out of the health and dental plans must do so between September 1 and September 30. This opt-out request will apply for both your Fall and Winter semesters. No exceptions will be granted if an opt-out application is not submitted to the UTMSU opt-out portal within this period. Students must provide proof of comparable health and dental plan coverage with the opt-out application.

Click here to access the UTMSU health and Dental fall opt-out application.

Student Enrolled from January to April:

Students that are ONLY enrolled in the Winter semester, who choose to opt-out of the health and dental plans must do so between January 1 and January 31. No exceptions will be granted if an opt-out application is not submitted to the UTMSU opt-out portal within this period. Students must provide proof of comparable health & dental plan coverage with the opt-out application.

Click here to access the UTMSU health & dental winter opt-out application.

The University of Toronto Mississauga Students’ Union (UTMSU) along with Green Shield Canada (GSC) have developed an opt-out procedure for our full-time international students unable to study in Canada for their Fall and Winter semesters. International students who are studying outside of Canada may request to be exempt from the UTMSU health and dental fees for the 2020-2021 academic year. International student exemption forms will be available from October 1 to November 1.

Students who are exempt from the UTMSU health and dental plans but arrive in Canada prior to the end of the fall semester are required to contact the UTMSU health and dental coordinator (health@utmsu.ca) immediately upon their arrival, since coverage is mandatory for international students and their dependent family members while they study in Canada. 

You also have the option of ‘dis-enrolling’ from the University Health Insurance Plan (UHIP), please contact international.utm@utoronto.ca for more information.

Frequently Asked Questions:

Full-time students enrolled at the University of Toronto Mississauga campus are automatically enrolled. To confirm enrolment, students will see the health and dental plan fees charged to their University of Toronto ACORN invoice.

We've Got Your Health Covered

Benefits Summary
Brochure

The annual costs for the health and dental plans for an individual student are Health: $204.18, Dental: $170.68.

Full-time students are automatically charged the health & dental plans fees to their University of Toronto ACORN invoice.

Yes, students enrolled in the health and dental plans are able to enrol their spouse/partner and/or dependent children to plans for an additional charge. See the Family/Couple Coverage section above or visit the UTMSU Infobooth. Please review this form to opt-in a spouse/partner and/or dependent children

The recommended way to submit claims is through Plan Member Online Services or the GSC On the Go Mobile App. Submit your claims and receive reimbursement within 72 hours via direct deposit to your bank account. See the “Using your Plan” section above for more information.

Students with comparable alternative health and dental plan coverage are eligible to opt-out of the plan. Students must opt-out during the applicable opt-out periods, using the UTMSU opt-out tool application. Proof of comparable alternative coverage must be provided with the opt-out application. See the Opt-Out section above for more information.

The University of Toronto Mississauga Students’ Union (UTMSU) along with Green Shield Canada (GSC) have developed an opt-out procedure for our full-time international students unable to study in Canada for their Fall semester. Unfortunately, the ACORN system does not have the capability of eliminating the UTMSU health and dental fees for students studying outside of Canada. Therefore, your tuition must be paid for before a refund can be made. International student exemption forms will be available from October 1 to November 1.

Please be aware that the exemption form and the GSC opt-out links on our website are two different applications. The GSC opt-out applications are for students that have comparable health and dental coverage with their work or parents. Whereas, the exemption form is a one-time accommodation for international students studying outside of Canada.

UHIP (University Health Insurance Plan) is the primary health care coverage for international students studying in Ontario. This plan covers basic health insurance costs, such as visiting a doctor or a hospital emergency room. International students must be enrolled in UHIP to have primary care health benefits. International students use UHIP with the UTMSU members’ health and dental plans (which are supplementary care benefits) to access prescription medications, paramedical services, dental benefits, vision benefits, trip coverage and accident benefits.

For plan enrolment, opt-in and opt out questions, please reach out the UTMSU. Please contact Infobooth services at 1-905-828-5420 (Monday to Friday, 9 a.m. to 9 p.m. and Saturday 12 p.m. to 5 p.m.), visit the Infobooth on campus (Monday to Friday, 9 a.m. to 9 p.m. and Saturday 12 p.m. to 5 p.m.), or email health@utmsu.ca.

 

For benefit questions or claims inquiries, please contact Green Shield Canada. Log in to Plan Member Online Services or use the GSC on the Go Mobile App to send a secure email, or call 1-888-711-1119.

Our Green Shield Canada coverage is valid in Canada – in any province. A student in Canada should be enrolled in the coverage and can only opt-out if they have comparable equivalent or greater coverage. You will use your Green Shield Canada coverage alongside your provincial health insurance plan. (i.e. OHIP, ACHIP, MSP, ect.).