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McMaster Students Union

Opt-Out

Students voted on a referendum in order to have Health and Dental coverage automatically provided to all students enrolled in 18 units or more, over the Fall and Winter terms. You may opt-out only if you have extended external coverage.

If you are covered by another health or dental plan, but you are not covered 100%, you may utilize your MSU Health and Dental plan coverage and combine it with your current plan. You can find the full details of the plan by following the links HERE. Look into your benefits and compare the two plans before you opt-out, as the MSU plans may provide some coverage options that are not currently available to you.

The opt-out for the 2022-2023 year has started and will end on September 30. You will find the link below in ‘more info’. There are no exceptions to this deadline. 

**Please note that those who have the intention to be enrolled in 18 units or more but haven’t been charged the fees yet are expected to opt-out during the September time-period.

Due to a delay in receiving our funding from the University, opt-outs are now projected to be released end of November to mid-December. We apologize for any inconvenience this has caused. You can find resources here if you’re in need of assistance: Aid & Awards website, as well as our FCC service page.

Expandable List

Opt-Out Conditions:

This opt-out is for undergraduate students taking (or intending to take) 18 units or more ONLY.

There are NO exceptions to the opt-out deadline of September 30.

OHIP, OHIP+, and UHIP is not considered to be extended coverage.

Varsity athletes are encouraged to not opt-out of the Health plan. Please contact Athletics and Recreation for more information.

Graduate students please visit the GSA website for more information about your opt-out.

If you opt-out of the plans, you may still visit the Student Wellness Centre and are able to access their services.

You will be asked to provide the following information on the form in order to opt-out:

  • student name
  • student number
  • birth date
  • mailing address
  • plan information (policy/group number, provider, and primary subscriber)
  • student banking information (if you choose for the refund to be directly deposited)

Students will be reimbursed the following if they opt-out:
Health Plan: $106
Dental Plan: $129.90
Health & Dental Plan: $235.90

How to Opt-Out: 

You can find the link to opt-out here