St Francis Xavier University Students' Union

Health and Dental Plan Coverage for prescription drugs, dental care, health services, and more, helping with costs your provincial health plan doesn’t cover.

 
Calendar

Opt-Out applications are now closed

Fall students! If you missed the fall deadline, your next chance to apply will be in the fall term. The fall application period was from August 1st to September 28th, 2025.

Opt-Out Applications

Submit your health and/or dental opt-out application before the deadline.

Fall Application Period

August 1st, 2026, and the deadline will be posted soon.

Make sure to submit your form by the deadline as the online form won't be accessible after that date.

There is no opt-out form available during the winter term.

Opt-Out Eligibility

Students enrolled in the Student Health and Dental Plan may opt out when they are starting the fall term.

Opt-Out Eligibility

How to Opt Out

To Opt Out, you must be enrolled in the Student Benefits Plan, meet the Opt-Out eligibility criteria, and complete the online form before the applicable term deadline.

Steps to Opt-Out
Things to consider:
  • A parents' insurance plan ceases coverage until you turn either 18 or 21, or up to 25 if you are studying full-time at a recognized education institution.
  • Nova Scotia Provincial Health Care, Nova Scotia Pharmacare or the StFX Student Benefits Plan is not acceptable as comparable insurance coverage.
  • If you opt out of the dental plan, you are still considered to have access to dental insurance, which makes you ineligible for the Canadian Dental Care Plan (CDCP).
  • The comparable coverage accepted could be from parents, spouse, work, government, or band.
  • First Nations and Aboriginal students who do not have a policy number, please provide your Band Name and Number when you are completing the information about the insurance company and policy number.
  • You can coordinate two benefit plans to maximize your coverage, potentially reaching up to 100% coverage! Find out more Coordination of Benefits.
  • Students with comparable coverage can choose to opt out of the health, dental, or both plans.
  • If your application has been chosen for an audit, you may be asked by email to provide documentation of your existing coverage to confirm that you are already covered with comparable Health and Dental Plan. Please do not email any documentation to our offices until you receive an email request.
  • The only time you can get back on this Student Benefits Plan is on the anniversary of opting out of the plan OR within 30 days of losing your alternate coverage.
  • Approval of the Students opt-out will result in the plan fee being refunded according to the school's policy. The Opt-Out result is a one-time process. This means students do not need to apply every term or year.
  • NO EXCEPTIONS will be made if the deadline is missed. It is the student's responsibility to pay the plan's mandatory fees, should they miss the applicable opt-out deadline.
  • Once you complete the opt-out form, you will receive an automated email confirmation. Please keep this email for your records as it is your only proof of submitting an opt-out request.

Add donotreply@gallivan.ca to your address book. Please do not reply to this email.

Questions? Please contact your Benefit Plan Office: stfxplan@mystudentplan.ca

Health and Dental Opt-Out Form

Please complete all information on the opt out form and we will process your application as soon as we can.



Student Information

Date of Birth
Phone Number
Program Start Date
Quick links Opt Out

Winter Deadline
Submit your online Family Add-On, Opt-Out, or Opt-In applications by January 30th, 2026

Quick links myBenefits Card

Benefit Cards
Get your Benefits Card on your Benefits App and use it where direct billing is available.

Quick links Perscription search tool

Prescription Search Tool
Find out if your prescription drugs are covered by the student plan.

Plan Claims

Plan Claims
Learn more about submitting online or manual claims to get your refund.