how to opt out of health and dental york u

"Opt Out of York U Health & Dental: A Step-by-Step Guide"

By Emily DavisNovember 21, 2025

Are you a York University student looking to opt out of the mandatory health and dental plan? You're not alone. Many students explore this option to save on costs or because they have existing coverage. Here's a step-by-step guide to help you understand the process and make an informed decision.

Understanding the York University Health & Dental Plan

The York University Health & Dental Plan is a comprehensive package that covers a wide range of health and dental services. It's designed to provide students with affordable access to healthcare, including prescription drugs, vision care, and dental services. However, it's mandatory for full-time students, which means you'll be automatically enrolled and charged a fee.

Reasons to Opt Out

Before we dive into the opt-out process, let's consider why you might want to opt out:

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You have existing health and/or dental coverage (e.g., through your parents' plan or a previous job).
You want to save money on premiums.
You prefer to choose your own healthcare providers or plans.

Eligibility to Opt Out

To be eligible to opt out, you must have existing coverage that meets certain criteria. Your coverage must:

Be in effect for the entire academic year (September to August).
Provide coverage for prescription drugs, vision care, and dental services.
Be provided by a Canadian insurer.

Acceptable Forms of Coverage

Acceptable forms of coverage include, but are not limited to:

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Parents' or guardians' group insurance plans.
Spouse's or common-law partner's group insurance plans.
Government health plans (e.g., Ontario Health Insurance Plan).

Opting Out: A Step-by-Step Guide

If you meet the eligibility criteria, follow these steps to opt out:

Step	Action
1	Gather your insurance information. You'll need to provide details about your existing coverage, including the insurer's name, your policy number, and the coverage start and end dates.
2	Visit the York University Student Financial Services website and navigate to the Health & Dental Plan section.
3	Follow the instructions to submit your opt-out request. You'll need to provide your insurance information and upload proof of coverage (e.g., a copy of your insurance card or a letter from your insurer).
4	Wait for your opt-out request to be processed. This typically takes about 10 business days. You'll receive an email confirming your opt-out status.
5	If your opt-out request is approved, the health and dental plan fee will be removed from your student account.

Important Considerations

Before you opt out, consider the following:

Ensure you understand the coverage provided by your existing plan. You may have gaps in coverage that the York University Health & Dental Plan would have filled.
If you opt out and later decide you want the York University Health & Dental Plan, you can only re-enroll during the annual enrollment period or if you experience a life event (e.g., losing your existing coverage).
If you're an international student, you may still be required to purchase the University Health Insurance Plan (UHIP) even if you opt out of the York University Health & Dental Plan.

Opting out of the York University Health & Dental Plan is a significant decision that can have financial and healthcare implications. Make sure you understand the process, the requirements, and the potential consequences before proceeding. If you have any questions, don't hesitate to contact York University's Student Financial Services for clarification.