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.
Please note: The Canadian Dental Care Plan (CDCP) is only for those who do not have access to private dental insurance or coverage through a professional or student organization.
Your health and dental plans offer comprehensive benefits, ranging from drug, paramedical, dental, vision, travel, 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.
Below is a summary of the coverage allocated to UTMSU members:
- Health benefits: 90% coverage for prescriptions medication, $125 coverage for 25 appointments to a mental health professional, $30 coverage for 20 appointments to a massage therapist, speech therapist, naturopath or physiotherapist.
- Vision benefits: $200 coverage for eye examination and/or prescription glasses/contacts.
- Dental benefits: $800 for cleanings, dental x-rays, fillings, oral surgery.
- Travel benefits: up to $5,000,000 in emergency insurance when on a 120 day trip.
View a more detailed explanation of coverage in our brochure and policy booklet below:
Benefits Overview: Click here to access an overview of your health & dental plan.
Benefits Booklet: Click here to access the plan booklet of your health and dental plan.
To use your UTMSU health and dental plan, you need your Green Shield Canada Member 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”.
When visiting a health professional, you will provide them with your GSC Member ID number for direct billing. If direct billing is not possible you will be required to pay for the service in full and request a reimbursement from GSC. For claims that need reimbursements, they can be submitted online through your GreenShield Plus account. If you haven’t already, you’ll need to register your ID number UTMyourstudent#-00 and create a user account. Please see the brochure above for instructions on registering for an account.
Disclaimer, Blackout Period:
A blackout period primarily applies to all incoming students who were not registered under the UTMSU health and dental plans in the previous academic year. However, in some 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, 2025 – November 13, 2025 (These dates may vary)
- Blackout Period for Winter only session students: Approximately between January 1, 2026 – March 9, 2026 (These dates may vary)
For more help, please contact health@utmsu.ca
The Association of Part-time Undergraduate Students’ (APUS) provides affordable health and dental coverage to part-time students across all three campuses of the University of Toronto.
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.
Your GreenShield Canada Member ID will be as follows: APUstudentnumber-00
Please visit the APUS website to view the brochure and policy booklet: apus.ca/health/ or contact services@apus.ca for more help.
The University of Toronto Graduate Students (UTGSU) Health and Dental 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.
Your GreenShield Canada Member ID will be as follows: GSUstudentnumber-00.
Please visit the UTGSU website for the brochure and policy booklet: utgsu.ca/health-and-dental/ or contact health@utgsu.ca for more help.
The CUPE 3902 Top-Up Health and Dental Plan works in conjunction with your existing Green Shield Student Health and Dental Plan (e.g. GSU/UTSU/SCSU/APUS or PDF [post-doctoral fellow] Plan). It is meant to “top up” the amount of the health and dental benefit included in your Student or Postdoctoral Plan.
Eligibility
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You are eligible if you are employed as a teaching assistant, teaching fellow, demonstrator, tutor, marker, teaching instructor, laboratory assistant, Chief Presiding Officer, invigilator, or part-time lecturer and are registered as a Post Doctoral Fellow, Undergraduate Student in the University of Toronto, and Graduate Student in the School of Graduate Studies of the University of Toronto.
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You have worked 15 hours during the current academic year (Sept 1 to August 31) and have been paid through the Employee Self Service (ESS) – found through ACORN under Finances > Tax Forms > T4.
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You are enrolled in a Student Health and Dental Plan (e.g. GSU/UTSU/SCSU/APUS) or the PDF (post-doctoral fellow) Plan
For the complete information on the CUPE 3902 Top-Up Benefits, please visit their website here.
If you have worked 15 hours and your CUPE Top-Up Plan remains inactive, you can contact the University Benefits Office directly at benefits.help@utoronto.ca or by calling the Benefits Office at 416-978-2113. CUPE 3902 does not administer health benefits, nor can we make any enrolment changes; only the Employer can confirm one’s eligibility and update your record with Green Shield Canada.
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+ account. Your GSC+ Account 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.
- Student Centre: The Green Shield Canada Student Centre is your resource for your health and dental benefit plans.
Any UTM student who has alternate, 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 appropriate opt-out period. The deadlines are as follow:
- Students enrolled from September to April: September 1 – September 30
- 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.
- Students enrolled from January to April: January 1 – January 30
- Students that are ONLY enrolled in the Winter semester (not enrolled in the previous Fall term), 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.
- Disclaimer: The January opt-out is ONLY for those students who begin their studies in January. Do not submit a January opt-out if you were a student in the Fall semester. Your application will not be approved.
Please note that the Ontario Health Insurance Plan (OHIP) and the Canadian Dental Care Plan (CDCP) do not qualify as a comparable health and dental plan.
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, and they require extra information from you. The summary email is NOT a confirmation that you are approved for a refund.
You will receive an email from health@utmsu.ca when your application has been approved and a refund is ready at the end of each semester.
When to expect your Health and Dental refund?
- Fall semester refunds usually occur in December-January via e-transfer, if approved.
- Winter semester refunds usually occur in April-May via e-transfer, if approved.
Students with rejected opt-out applications will remain enrolled in their student plans and will continue to have access to benefits for the benefit year. They will not receive an email stating their opt-out application has been rejected. Please email health@utmsu.ca for further assistance.
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 applicable deadlines below.
Please note: Siblings and/or parents/guardians do not qualify as dependents.
The opt-in form for Fall/Winter 2026-27 will be available in September. The opt-in form for Winter 2027 will be available in January.
- 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.
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 Shoppers Drug Mart® card with a valid student card.
Vision Discounts, Hearing Discounts, and more!
Visit the Green Shield Canada Student Centre to see more great discounts, like 10-25% off at Clearly.ca, 10% off at ContactsExpress.ca, and more!
GreenShield+ App:
The GreenShield+ 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 GreenShield+ Mobile app.
Frequently Asked Questions
Who is enrolled?
Full-time undergraduate 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.
- If you are paying fees to APUS, you should contact services@apus.ca
- If you are paying fees to UTGSU, you should contact health@utgsu.ca
- If you are paying fees to UTSU, you should contact hello@utsu.ca
For help with your UTMSU health and dental plan, please contact health@utmsu.ca
What are my benefits?
Below is a summary of the coverage allocated to UTMSU members:
- Health benefits: 90% coverage for prescriptions medication, $125 coverage for 25 appointments to a mental health professional, $30 coverage for 20 appointments to a massage therapist, speech therapist, naturopath or physiotherapist.
- Vision benefits: $200 coverage for eye examination and/or prescription glasses/contacts.
- Dental benefits: $800 for cleanings, dental x-rays, fillings, oral surgery.
- Travel benefits: up to $5,000,000 in emergency insurance when on a 120 day trip.
View a more detailed explanation of coverage in our policy booklet: Click here to access the plan booklet of your health and dental plan.
For help with your UTMSU health and dental plan, please contact health@utmsu.ca
How much does it cost?
The annual costs for the health and dental plans for an individual student are Health: $271.76, Dental: $216.84 equaling $488.60 in total as of the 2025-2026 academic year.
How am I charged for the plan?
Full-time students are automatically charged the health & dental plans fees to their University of Toronto ACORN invoice.
Under the Student Incidental fees, your Health and Dental fees will be prefixed with UTMSU to indicate that you are enrolled in the full-time undergraduate plan. If your fees are prefixed with another union (APUS, GSU, etc.), please contact the respective union for more help (see “Who is enrolled?” above).
Who do I contact for help with opting out?
Full-time undergraduate students enrolled at the University of Toronto Mississauga campus must contact the Health and Dental Coordinator at the UTMSU for more help with their opt-out application during the appropriate opt-out periods (see “Opt-Out of Health & Dental Plan” section above for deadlines). Please contact health@utmsu.ca.
Exceptions will NOT be made for those students who do not submit the opt-out applications on time through the appropriate opt-out portal (see “Opt-Out of Health & Dental Plan” section above for links).
- If you are a part-time student opting out, you must contact the APUS health and dental coordinator at services@apus.ca
- If you are a graduate student opting out, you must contact the GSU health and dental coordinator at health@utgsu.ca
- If you are a St-George student opting out, you must contact the UTSU health and dental coordinator at hello@utsu.ca
Please note: The Office of the Registrar and the Student Hub at UTM is NOT responsible for health and dental opt-outs. Please contact one of the above coordinators for more assistance.
I am an international student. What is UHIP?
The University Health Insurance Plan (UHIP) is the primary health care coverage for international students studying in Ontario, since they do not qualify for OHIP. This plan covers basic health insurance costs, such as visiting a doctor, visiting a hospital emergency room, and certain laboratory tests. International students must be enrolled in UHIP to have primary care health benefits.
International students use UHIP alongside the UTMSU members’ health and dental plans under GreenShield Canada – which are supplementary care benefits. You can contact the International Education Centre (IEC) to inquire about your enrollment into the UHIP program.
To learn more about UHIP, please visit their website here. You can also contact international.utm@utoronto.ca for more help.
Does my health plan offer any mental health resources?
GreenShield Mental Health brings you confidential and convenient mental health support.
- Your Student Assistance Program is available 24/7 on your computer or smartphone. Included is 5 hours of individual counselling and 5 hours of couple counselling with a mental health practitioner by video, phone, or in- person at no cost to you or your benefits plan!
- The MindBeacon Therapist Guided Program is guided digital therapy through MindBeacon. Offered to you and your dependents (age 16 and over), at no out-of-pocket cost to you, the MindBeacon Therapist Guided Program is an effective, easy-to-access way to receive personalized therapy guided by a mental health professional. It’s a fully digital program, so with no face-to-face appointments to schedule and get to, your therapy happens anywhere and anytime that’s comfortable for you.
- Access the MindBeacon Therapist Guided Program at info.mindbeacon.com/ehc/gsc-pmember.
- The GreenChield Mental Health program is a digital platform that uses internet-based Cognitive Behavioural Therapy (iCBT) to help plan members and their eligible dependents (age 15+) with mild to moderate anxiety and/or depression take control of their mental health. It includes interactive learning modules, tools, and optional coaching to help develop positive coping strategies and reduce life-disrupting symptoms.
- Available to GreenShield Insurance plan members and their eligible dependents (age 15+) at a discounted rate.
- Access GreenShield Mental Health on GreenShield+. Choose from a self-guided program ($75 plus applicable taxes) or a coach-assisted program ($325 plus applicable taxes)*.
Learn more and access now by logging in to GreenShield+ to get started.
I am considering gender transition. Can my health plan help cover the costs?
While traditional benefit plans address some components of the gender transition journey, we firmly believe that they fall short of covering the scope of transition needs. GreenShield’s offering steps in to help reimburse expenses that are above and beyond typical plan designs. Equally, the offering helps to fill the gaps tied to services not covered under your provincial or territorial government health care plans.
Learn more about coverage on gender transition here.
For benefit questions or claims inquiries, please contact Green Shield Canada. Log in to your GreenShield Plus account or download the GSC Plus app, or call Greenshield Canada customer service at 1-888-525-PLUS (7587).
I am a student living in another province outside of Ontario, does my UTMSU health and dental plans work?
While traditional benefit plans address some components of the gender transition journey, we firmly believe that they fall short of covering the scope of transition needs. GreenShield’s offering steps in to help reimburse expenses that are above and beyond typical plan designs. Equally, the offering helps to fill the gaps tied to services not covered under your provincial or territorial government health care plans.
Learn more about coverage on gender transition here.
For benefit questions or claims inquiries, please contact Green Shield Canada. Log in to your GreenShield Plus account or download the GSC Plus app, or call Greenshield Canada customer service at 1-888-525-PLUS (7587).
I am a student living in another province outside of Ontario, does my UTMSU health and dental plans work?
For plan enrolment, opt-in and opt-out questions, please reach out the UTMSU. Please contact the infoBooth Desk at 905-828-5420, visit the infoBooth Desk at the UTMSU Student Centre on campus, or email health@utmsu.ca.
Our hours are as follows:
- Fall/Winter (September to April): Monday to Friday, 9AM-9PM
- Summer (May to August): Monday to Friday, 9AM-6PM
Hours and times may vary. The Student Centre is closed on weekends and holidays.
For benefit questions or claims inquiries, please contact Green Shield Canada. Log in to your GreenShield Plus account or download the GSC Plus app for more information, or call Greenshield Canada customer service at 1-888-525-PLUS (7587).