Like every other college or university, the health and dental plan at the Justice Institute of BC is a universal service, meaning that every eligible member of the Students’ Union is included. However, if you already have coverage for extended health and dental benefits, usually through an employer or family member, you can opt out of the plan provided by the Students’ Union. For you to be able to opt-out, your existing coverage needs to be equivalent to the Students’ Union’s plan.
Extended health and dental insurance commonly includes such benefits as prescription medication, paramedical and extended health services and products, and comprehensive dental coverage, each at a level that provides tangible benefits. So equivalent coverage would be a plan that has these essential elements, and is generally provided through a parent, spouse or employer. Examples of things that are not equivalent coverage include basic BC government (or other provincial) medical coverage, travel insurance, emergency medical coverage, and certain individual coverage packages.
Many benefit plans can still leave you with huge financial shortfalls for necessary treatments, prescription drugs or dental procedures. Compare your existing coverage and your bills from last year, and make sure you have enough coverage through your current benefit plan before opting out of the Students’ Union’s plan. Details of the Students’ Union plan can be found under WHAT’S COVERED. If you don’t think your current coverage is sufficient, consider keeping the Students’ Union coverage as well in order to make sure you are fully covered (having two plans means that you can claim from one plan for expenses that are not covered by the other).
Those students covered by these services do qualify to opt out. It is important to note that the Students’ Union plan covers paramedical services such as physiotherapy, chiropractic care, massage therapy (with prescription), acupuncture, naturopath, speech therapy, podiatrist or chiropodist, which are excluded from government-sponsored care. The Students’ Union plan also includes robust pharmaceutical coverage which exceeds these plans. Mental health support is also part of the Students’ Union plan, with access to services with a counsellor, social worker or psychologist. Students can enjoy coverage from both plans and are invited to learn more about plan coverage before opting out.
The opt-out site is open year-round, but that does not mean that you can opt out at any time. The deadline to opt out is 30 days after your program start date. Check your student record if you are unsure of the health and dental payment due date/opt out deadline. Late requests to opt out (opt outs received after the first 30 days of your program) cannot be accepted because those not opted out by the deadline will have already been enrolled in the Students’ Union’s plan.
By completing the opt out process through this website, a request to opt out is sent to the Students’ Union, who processes that request by evaluating your information and ensuring that the equivalent coverage is valid. This process can sometimes take a few days or even a few weeks when volumes are high. Be sure to check your student record after the opt out deadline to ensure the fee is removed, and contact the Students’ Union if it looks as though your opt out was not successful.
Once you have applied to opt out and your request has been accepted, your student record is updated to reflect that you have declined the service in respect of your equivalent coverage. This remains your status for 12 months from your program start date. You must opt out each year.
Yes, you can apply to be re-added to the plan if the coverage you supplied when opting out has been discontinued through no fault of your own (as in you lost a job, you aged out of parental coverage, etc). To opt back into the plan, you need to contact the Students’ Union within 30 days of losing your existing coverage to apply for readmission to the Students’ Union’s plan.