Health and Dental Plan - USC
Eligibility: Eligible full-time, undergraduate students are automatically enrolled in the USC Student Health and Dental Plans as of September 1st, valid to August 31 of the current academic year. Students who drop to Part-Time status and/or withdraw from the University after September 1st do not receive a refund of this fee unless they successfully opt-out (details below). For complete details of your Student Health and Dental Plans please visit: www.studentbenefits.ca.
Please note that MDM, a subsidiary of Great West Life, the underwriter of the student health plan policy, does not allow for anyone over the age of 65 to participate in a group insurance plan. All benefits that are underwritten have restrictions including a standard clause terminating members over the age of 65. Hence, the insurer would not endorse a policy with coverage beyond 65. It is an industry standard/practice to terminate benefits at the age of 65 as other programs become available to these individuals.
Students enrolled in 3.00 credits or less (Part-Time) are NOT automatically enrolled in the Health and Dental Plan. Students with permanent disabilities, who take a reduced course load, can access this coverage through the SSD Office at King’s University College.
Adding Dependents: Students wishing to add their dependents (spouse and/or children) to their plan, may do so by visiting: www.studentbenefits.ca. Adding dependents is open from July 1 through September 30 of each school year.
Opting Out: Students with equivalent extended health plan coverage may choose to opt-out of the USC Health Plan or Dental Plan by visiting: www.studentbenefits.ca. The DEADLINE to opt-out is typically mid-late September (opt-out available from July 1 through September 22). Students who do successfully opt-out of the Health and/or Dental Plan receive a credit applied to their fee account in late October. Should a credit balance result, a refund cheque will be issued in 6-8 weeks.
The Western Gazaette wrote an article summarizing coverage for various items, which we encourage students to read before deciding to opt-out; http://www.westerngazette.ca/news/everything-you-need-to-know-about-the-student-health-plan/article_71545670-3e2f-11e6-a0dc-1fd554dbd673.html