HEALTH & DENTAL PLAN OPT-OUT:
Starts: Aug. 1, 2017 Ends: Sept. 22, 2017
Opt Out at studentvip.ca
*Please note that the Student VIP website changed as of September 1, 2016. If you have been on the site previously, we recommend clearing your browser history/cookies to be re-directed to the correct website. Alternatively, you can try a different browser or computer. Sorry for any inconvenience*
The Undergraduate Student Health & Dental Plans are mandatory for all full & part-time students enrolled in the Fall term. Students may opt out if they have proof of alternative extended health & dental coverage, or may remain enrolled and combine benefits from both plans.
All students choosing to opt out must do so through studentvip.ca by the deadline of September 22, 2017. The Health ($117.00) and Dental ($109.80) plan fees are a one time per year fee billed to your student account in the fall term only.
Please visit studentvip.ca to review the benefits prior to opting out. In many situations, it will be financially beneficial for you to remain on the plan and coordinate benefits with another plan you may already have.
Students will be reassessed and charged a fee for the plans on a yearly basis. This means you will need to provide proof of alternative coverage and opt out each year you are a student (including co-op terms). Alternatively, if you opt out this year, you are still eligible for the plans in subsequent years.
Once you opt out, you are not eligible under any circumstance to opt back in during the current policy year of September 1, 2017 to August 31, 2018 (this includes a parent experiencing a loss of employment and benefits).
When opting out online you are required to register an account and provide the following details:
- MyLaurier email address
- Student ID number
- First and last name
- Opting out of: health, dental or both
- Name of the insurance company providing your benefits
- Name of the plan sponsor (employer name or privately purchased)
- Policy/group number
- ID/certificate number
Confirmation of successful opt out request will be reflected on LORIS, Student Services Tab, Account Summary by Term.
Undergraduate Health and Dental Plan FAQ’s
For the Policy Year September 1, 2017 to August 31, 2018
Who is eligible for coverage?
All Full and Part Time Undergraduate Students, including Co-op work term and studying abroad students, registered in the fall term are automatically assessed fees for the plans on their LORIS Accounts. OHIP (Ontario Residents) or UHIP (International and Exchange Students) must be in place for the plans to be valid.
Can I add family to the plan?
Yes, students may enroll their spouse and/or dependent children onto the plan for an additional fee during the opt-in period in whichever term they begin their studies.
The following are considered Eligible Dependents:
Spouse/Common-Law: the legal spouse of the Insured Student provided there is no legal separation in effect, or an individual of the same or opposite sex who has been residing with the Insured Student for a period of at least one (1) year and who has been designated as the spouse/common-law partner of the Insured Student in the Policyholders records for insurance purposes, and is a resident of Canada and has provincial health coverage (or equivalent coverage).
Dependent Child(ren): Any natural child, step-child or legally adopted child of the Insured Student, who is under 21 years of age, unmarried and receives full support and maintenance from the Insured Student, or those over 21, but under 25 years of age, unmarried and receives full support and maintenance from the Insured Student for reason of full-time attendance at an accredited institute, college, or university in Canada, or receives full support and maintenance from the Insured Student by reason of mental or physical infirmity, and is a resident of Canada and has provincial health coverage (or equivalent coverage).
How much does the plan cost?
Policy Period: September 1, 2017 – August 31, 2018
Single: Health $117.00 / Dental $109.80
Family (1 Dependent)*: Health $234.00 / Dental: $219.60
Family (2 or more Dependents)*: Health $351.00 / Dental $329.40
*Family Rates do not include single rates
Can I opt out if I have other coverage?
Yes, if you have comparable alternative coverage you may opt out of the plan during the opt-out period. You should be aware that your WLU Students’ Union Plan offers benefits specifically designed for students. You may find it advantageous to remain enrolled on this plan and coordinate your benefits with your existing coverage.
What is the Opt-out process
If you choose to request an opt-out from the WLU Students’ Union Plan, you must provide comparable coverage online at StudentVIP.ca during the opt-out period of August 1, 2017 to September 22, 2017
Note: There are no exceptions or extensions to the opt-out deadline. If you submit a claim during the opt-out period and have requested to opt-out of the plan your opt-out request will be declined and your fee will not be reversed.
What if the only medication that works is not covered?
In the event that the therapeutic alternatives, which are eligible under the Plan, prove to be ineffective for treating your particular condition, it is possible to have a special care approval for your medication. These approvals are done on a case-by-case basis. You must complete the Exception Request Form found at StudentVIP.ca. You will be notified in writing if your application has been approved or not.
How long do I have to submit a claim?
All claims must be submitted to RWAM no later than 12 months from the date the expense was incurred. In the event of termination of coverage, claims incurred prior to the termination date must be submitted to RWAM within 3 months of the termination date.
Can I co-ordinate benefits with another plan (COB)?
If you have coverage through your employer, parents or spouse and do not opt-out of the WLU Student’ Union Benefit Plan, you can coordinate your benefits to increase your overall health and/or dental coverage.
As an undergraduate student, you’re automatically a member of the Students’ Union. Your membership gets you access to some great services and perks. Explore the icons below to learn more.