The Winter Opt-Out period will only be available from December 15th – January 25th. This is only valid for students beginning their studies in the Winter 2025 Term.

If you have comparable alternative coverage (usually through a parent, spouse, or work) you can apply to opt-out of the extended health and/or dental plan during the term in which you begin your studies for that academic year. (i.e. Students beginning in September can apply to opt-out during the fall opt-out period only).

You will be asked to provide proof of this coverage when you submit the opt-out application which includes:

• Name of the primary insured person (i.e. parent or spouse/common-law partner)
• Name of the other insurer
• Policy/Certificate number
• Insured Person’s name and relationship to you

You will also be asked to upload a photo of your proof of coverage. This can be a plan card or a letter from your insurance company that confirms you are covered on the plan, and includes the policy/certificate/ID number(s).

Students wishing to opt-out with alternative coverage must submit an opt-out application each academic year.

You should be aware that your SMUSA Health & Dental benefits offers benefits specifically designed for students. You may find it advantageous to remain enrolled under these benefits and coordinate your benefits with your existing coverage.

Note: There are no exceptions or extensions to the opt-out deadline. Opt-outs are only granted if the plan is unused. Opt-outs do not carry over to the following policy year and must be completed each academic/policy year.

Have more questions about opting out? Visit the FAQs - Opt-Out Page here.