Opt-out

Opt-Out – information on opting out of the Extended Health and Dental Insurance Plan

The deadline to opt out is September 30th for students with comparable alternate coverage.

The deadline for individuals on the Graduate Student Tuition Income Offset Plan with UVic Accounting Services, is September 14th for the refund to be reflected in your installments.

Notes: MSP and MTMI (Guard.me) are not comparable alternative coverage.  If you have alternative coverage through BC Employment and Assistance (BCEA) Programs, please see below for Opt-Out Details.

All opt-outs must be renewed every academic year by submitting a new Opt-Out form by September 30th.  Students should be aware that opt-outs are randomly audited and should hold onto all receipts.

Opt-outs are also permitted within 30 days of a change to your insurance situation. If you acquire new comparable alternate coverage at any point during the school year, you have 30 days to contact the Health and Dental Plan Coordinator to enquire about an opt-out. Alternatively, you may decide to keep the GSS insurance plan(s) and coordinate the benefits. Contact your insurance plan administrator for more details.

Opt-Out Situations

Graduate students that have comparable extended health and/or dental coverage through their workplace, spouse, or parents are eligible to Opt-Out from the GSS extended health and dental plan(s) by September 30th.  Submissions after September 30th must download, complete, and submit an Appeals Form and explain the missing of the opt-out deadline.

If you have obtained new coverage from another source after September 30th, please download and complete an opt-out form from our Forms Page and email it with your attached document to the Health and Dental Coordinator (gsoc@uvic.ca) within 30 days of your new coverage starting.

Upload/attach one of the following proof of alternate extended health and/dental coverage to be eligible to opt-out.  Attachments must be included for a successful opt-out:

  • Extended health and dental plan card
  • A screenshot of your insurance account
  • A letter, on company letterhead from the insurance company including all relevant policy, group and identification numbers.
  • A letter, on company letterhead from your employer, spouses’, or parents’ employer outlining their coverage and including all relevant policy, group and identification numbers.
  • A Treaty or Indian status card
  • A card from the Department of National Defense
  • A letter, on company letterhead, from your employer that outlines your medical spending account benefits
  • A coverage letter from your BC Employment and Assistance program that outlines the comparable Medical Services Only (MSO) and/or Dental and Orthodontic Services (DOS) coverage through the BC Government.

 

If you have paid with tuition to UVic already, please let the Health and Dental Coordinator know.

Graduate students that are residing outside of Canada are eligible to opt out of the GSS Extended Health and GSS Dental Plan(s). Graduate students that are residing outside of Canada and:

  • will not be able to establish Canadian residency, return to Canada, or will not arrive in Canada for their graduate studies for 2020/2021 academic year
    AND
  • Do not or will not have MSP ( or similar Canadian provincial/territory government plan) or Guard.me (through UVic)

On the Opt-out form you must include you must include the following:

  • A statement under Notes that you do not have an active BC MSP or other Canadian provincial/territory basic medical services plan.
    • Example: “I confirm that I am not eligible for BC MSP and will not be residing in Canada for my UVic graduate studies.”
  • Attached digital document that has your name AND non-Canadian mailing address.
    • Examples: Registered mail, rental agreement, utility bill etc
      (Note: A driver’s license cannot be used as documentation as residency outside of Canada)

For students that were assessed with the Mandatory Temporary Medical Insurance (MTMI) on their Tuition Account, please contact International Student Services (ISS) for more information about how to opt-out due to non-resident situation at issinfo@uvic.ca.

All opt-outs can take 7-10 business days to be processed and be reflected on your Tuition Account.  All graduate students are responsible for continually monitoring and maintaining their own registration, tuition account, and financial records.

If you are able to arrive in Canada to study at UVic, then you have 30 days from their arrival in Canada to notify the Health and Dental Coordinator in order to opt-in onto the GSS Extended Health and/or GSS Dental Plans.  Please see the Opt-In page for more details about joining the plan.

When you graduate or complete the requirements of your graduate program, you may keep the insurance coverage until it expires on August 31 or you may decide to opt out.

If you decide to opt out, your coverage will be terminated at the end of the month in which you graduated. Our insurance policy has a 30 day rule to notify the GSS of your intention to opt out due to your graduate program completion.  This means that you will have 30 days from the date that the requirements of your program completion

If you paid the GSS extended health and/or dental plan fees with tuition for the year, then you will receive a prorated refund according the number of remaining unused months.

Filling out the opt-out form:

  • Notes section: Indicate that you have completed your graduate program
  • How you’d like your refund issued: cheque by mail (include mailing or new address) or e-Transfer (include email for transfer)
  • Include a copy of your program completion letter with date, name, and program.

 

For example of how refunds are calculated:

You started your program in September and paid for the year and you have completed your program requirements as granted by the Graduate Admissions and Records Office and Faculty of Graduate Studies in April.  Your insurance termination date is based on the date on your program completion letter.  If your completion was in April, and the refund will be for May – August (the remaining unused months).  If you have an insurance claim or other receipt pending, this can delay the termination date with the insurance company

You must contact the GSS Health and Dental Coordinator within 30 days of being eligible for an opt-out.

If you plan to depart Canada before completing your graduate program (or have completed it) and do not have plans to return, you are eligible for an opt-out.  You will have 30 days to submit an opt-out form and notify the GSS of your departure. 

If you have already departed Canada, please email the Health and Dental Coordinator as your earliest convenience. 

If you paid the GSS extended health and/or dental plan fees with tuition for the year, then you will receive a prorated refund according the number of remaining unused months.

For example:

You started your program in September and paid for the year and you plan on leaving Canada permanently in April and do not plan on returning.  Your insurance termination date will be the last day of April, and the refund will be for May – August (the remaining unused months).  If you have an insurance claim or other receipt pending, this can delay the termination date with the insurance company.

Filling out the opt-out form:

  • Notes section: Indicate that you will no longer be a resident in Canada and include your departure date
  • How you’d like your refund issued: cheque by mail or e-Transfer
  • Include your non-Canadian mailing address

 

You must contact the GSS Health and Dental Coordinator within 30 days of being eligible for an opt-out.