What are your benefits?
How to use your plan?
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/
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.
Students who have 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 and dental plans that you may be covered with. 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.
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.
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.
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.
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.
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 firstname.lastname@example.org.
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.