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When considering opting-out of your coverage, keep in mind the following:

-What is in the best interest of my overall health and well-being?
-Does my existing coverage meet all the needs that I may have?
-A parent's insurance plan will stop covering you completely if you’re a part-time student over 21 or a full-time student over the age of 25.
-In order to cover all of your needs you can combine your student Health Plan with another plan for up to 100% coverage. To get more information about claiming and coordinating your benefits with another plan, read through the “Making a Claim” link here.

Opt In


If a student has successfully completed an opt out but requires re-enrolment into the plan there are 2 opportunities to do so:

1) Upon Policy Anniversary: For students starting in September and January the anniversary would be the following September prior to the applicable deadline.

2) Lifestyle Change: There are certain circumstances known as lifestyle changes that allow a student to make changes to their enrolment status within 30 days of the change. Lifestyle changes include; getting married or meeting the twelve month co-habitation requirement for common law status, birth/adoption of a child, meeting provincial plan residency requirements and losing their alternate coverage.

Students who lose their comparable coverage may opt back into the plan(s), provided that they are within 30 days of losing coverage. If a student has lost their comparable coverage they must show documentation of loss by submitting a letter from either the insurance carrier or employer.

Student Benefits Plan coverage is provided to eligible students automatically, except in certain circumstances where a student’s enrolment status excludes them from automatic inclusion by the institution or due to a previous waiver on file. To enroll in the Student Health and/or Dental plan(s), complete the sections below and submit this form. You will then be contacted by the Student Benefit Plan Office, via an email notification, of any required supporting documents and/or fees. All supporting document(s) and/or fees must be received by the applicable deadline in order for the enrolment process to be completed.

Please read and agree to the Terms & Conditions prior to submitting your online enrolment form.

You must only complete this form if you are in an eligible program and were not charged the fees or have opted out in the past.  

Student Information

Gender
Date of Birth
Phone Number
Program Start Date

Family Add On

2019 - 2020 Family Add-On Fees:
Health (one or more dependents) $179.00
Dental (one dependent) $186.00
Dental (two or more dependents) $372.00

Each year, students are given one opportunity to purchase family coverage for their spouse and/or dependent(s) by completing an application form online and paying the family coverage fee. Family add-on forms must be received by the applicable deadline. Family coverage is then added during the enrolment processing period.

Family coverage must be re-purchased each year and is the student's responsibility to do so by the applicable deadline.

A student's family can only be covered while they are a student on the plan.

For information about eligible family members please refer to the "Am I Covered" tab.

Coverage provided through the Student Health and Dental plan can be extended to a spouse and/or dependent(s). To add eligible dependent(s) complete the sections below and submit this form. You will then be contacted by the Student Benefits Plan Office, via an email notification, of any required supporting documents and fees. All supporting document(s) and fees must be received by the applicable deadline in order for the family add on process to be completed. IMPORTANT: These fees are in addition to the student health and dental fee. 


Family add-on coverage is not automatically renewed each year. In order for your family add-on to continue, you must purchase the coverage each benefit year before the applicable deadline. FAMILY ADD-ON FEES ARE NON-REFUNDABLE.  


Student Information

Gender
Date of Birth
Phone Number
Program Start Date

Change my Coverage


Already have coverage?

Coordinating multiple plans: If you are an eligible student and have comparable coverage you may wish to coordinate your plans. Benefits under the two plans can be coordinated to increase your coverage up to 100% of the actual expense(s) incurred. For example, following payment under this plan you can submit outstanding balances to the other plan for consideration. Find out more about coordination of benefits.

Opting Out of coverage: If you are an eligible student and have comparable health and/or dental coverage you may apply to opt-out of the plan(s). Each student is given one opportunity to opt-out of the health and/or dental plan(s) each year. All opt-out forms must be completed online or through the Student Benefits Plan Office and must be received by the applicable deadline. You will not be able to opt-out of coverage at any other point during the school year. NO EXCEPTIONS will be made if the deadline is missed. It is the student's responsibility to pay the plan fees, should they miss the applicable opt-out deadline.

Approval of your opt-out will result in the plan fee being credited. Once your opt-out has been accepted, it will remain in force as long as you remain an eligible student. If you have already successfully opted out of the RSU health and dental plan in the previous year, you will NOT receive a charge for the RSU health and dental plan on your RAMSS account. You do NOT need to apply on line again.

If you are unsure about whether or not you are eligible for the Student Health and Dental plan, please contact the Member Services Office prior to any applicable deadlines.

Please read and agree to the Terms & Conditions prior to submitting your online opt-out.

Student Information

Date of Birth
Phone Number
Program Start Date

Service Members


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