So you think you might want to opt out of your student benefit plan? Here are a few things to consider before you cancel your benefits coverage:

  • Hearst College Students' Union provides a Health & Dental Plan for members to ensure that all students have access to the medical services they require. All full-time students are automatically enrolled in the plans and the corresponding fees are charged to their student accounts. Students with alternate coverage can opt out of the student plans if they wish. An opt out application must be completed in the first full-time semester of each academic year.
  • You can only opt out of this plan if you have similar coverage under another benefit plan (and no, provincial health insurance doesn’t qualify).
  • Make sure you have enough coverage under another benefit plan (e.g., your parent’s plan), or else you may have to pay for drug, dental and other health care costs.
  • Understand what you are opting out of. Make an informed decision and check your current coverage by clicking My Current Coverage to link to your benefit booklet.
  • Before you opt out, look over your expenses for the last year and be sure you understand all of your options.
  • The opt-out process is not immediate. Your opt-out is effective once it has been processed following the end of the opt-out period.