Opt Outs

Not sure you need a Plan? Weigh the costs and benefits. Click here to see what students consider before making a decision.If you're already covered by an equivalent health and dental plan (such as a parent's or spouse’s employee benefit plan), you can opt out during the Change-of-Coverage Period and receive a credit for the amount of the Plan.You can opt out from the Health and Dental Plan upon showing proof of other equivalent health and dental coverage. Your provincial health care doesn’t provide coverage equivalent to the MSA Health & Dental Plan. Students can’t opt out if they’re covered only by OHIP or equivalent primary health-care coverage.If you're a student starting in the Fall semester, you can only opt out during the Fall Change-of-Coverage Period fromIf you’re a new student starting in the Winter semester, you can opt out during the Winter Change-of-Coverage Period fromIf you’re a new student starting in the Summer semester, you can opt out during the Summer Change-of-Coverage Period fromYou’re responsible for paying all college fees within the prescribed deadlines. If you don’t pay the Plan fee, you may be assessed late fees and interest. We recommend that you pay all college fees even if you're opting out of the MSA Health & Dental Plan. If you do opt out of the Plan and pay your fees in full at the beginning of the year, the Plan fee will be credited to your student account after your opt out is completed and shortly after the end of the Change-of-Coverage Period.Opt outs are valid for the whole policy year, from Sept. 1, 2020 – Aug. 31, 2021. If you return as an eligible student in September 2021, you’ll be automatically re-enrolled in the MSA Health & Dental Plan. Should you wish to opt out again next year, you must renew the opt out directly online, but you won’t have to re-submit your proof of other coverage.Even if you're not billed for the Plan and are on Work Term in the Fall semester, you must opt out by Sept. 25, 2020. If you’re a new Co-op student on Academic Term in the Winter or Summer semester, you'll be billed a pro-rated fee for coverage and can opt out of the Plan in Winter or Summer respectively. For students who are on three consecutive work terms, you can only opt out in the Fall semester.Please remember that opt outs can only be processed within the Change-of-Coverage Period.