Health & Dental Plans

Browse your plan here: Brochure 2026-2027.

It’s a quick guide to submitting claims and using benefits.

Read your full plan here: My Benefits Plan. For everything on the description of benefits, deductibles/co-pays, definitions, privacy policies, etc.
(The 2026 Health and Dental Benefit Plan booklet will be uploaded shortly. In the meantime, please refer to the 2025 booklet as coverage remains unchanged)

And to help make sense of it all – see what you need below. 

If you are a part-time student registered in Fall and/or Winter terms – you’re an APUS member – you’re covered.  

Part-time student status is based on enrollment credits. Your quick way to tell if you’re enrolled part-time is to check your University of Toronto ACORN invoice. If you see “APUS“ you’re an APUS member. 

Coverage is annual, and runs for one academic year only (September 1 to August 31). APUS does not collect health and dental fees from students who are only part-time in summer term; so there is no APUS health and dental plan for summer students. 

2026-2027

Full-time students and part-time grad students have different health and dental plans through their respective student unions:

University of Toronto (full-time) see UTSU website (utsu.ca/health-and-dental)

University of Toronto Mississauga (full-time) see UTMSU website (https://utmsu.ca/service/health-dental-plan/) and email health@utmsu.ca.

University of Toronto Scarborough (full-time) see SCSU website (scsu.ca/health-dental) and email health@scsu.ca.

University of Toronto Graduate Students (all) see UTGSU website (utgsu.ca/health-and-dental)

Your health and dental plans offer comprehensive benefits, ranging from drug, paramedical, dental, and more.

For more details about your health and dental plan, check out the 2025/2026 benefit plan booklet, which can be found here.
(The 2026 Health and Dental Benefit Plan booklet will be uploaded shortly. In the meantime, please refer to the 2025 booklet as coverage remains unchanged)

Always low-cost and affordable. 

2026-2027 premium rates:

Health & Dental plan = $184.10 per term

*All APUS health and dental plan fees are automatically charged through your University of Toronto incidental fees.

To use your APUS health and dental plans, you need your Green Shield ID Number (also known as your insurance policy number). 

The number follows this format: APU[your student number]-00. For additional family members and dependents added on the plan, the suffix may be “-01” or “-02”.

The number is all you’ll need. And you can print it out here. Ready to make a claim?

Direct billing is when a health and dental provider submits electronically on your behalf at the time you’re charged. You provide your policy number, they confirm the amount covered. Then, you only pay any remaining balance. Direct billing is convenient for you, and relieves the stress of having to pay for an entire bill upfront. Caution, direct billing isn’t offered by many health and dental providers. If looking for this option, ask your health or detail provider if they offer direct billing in advance of your treatment.  

When you pay for your health and dental treatments up-front, you can then submit eligible claims for reimbursement online via GSC either through the App or the web. 

• Register: GreenShield+
• Visit greenshield.ca, select GreenShield+, and click “Sign Up”
• Select that you are accessing GreenShield+ “Through an organization”
• Select “I have a Member ID” (APUS student number-00, ex. 0123456789-00)
• Enter your email to create your account

GSC’s Mobile APP – GSC On The Go: Submit claims directly from your smartphone. 

GSC’s Self-Serve Website: greenshield.ca In just a few clicks, get immediate confirmation of your reimbursement amount. 

Tip: Register for direct deposit with GSC and have your claim payments deposited directly securely – with speed.

It takes longer, but you can also mail in eligible claims for reimbursement to GSC:
Health / General Claim Submission Form
Dental Claim Submission Form

Add your family to the plan. 

APUS members may enroll a spouse/partner and/or dependent children on the plans.

All family members enrolled must be residents of Canada.

You can only opt-in family/partner at the beginning of your first eligible study term. 

For instance, to enrol family members in January 2027 (winter term), you must not have been an APUS member in fall term. 

2026-2027

The rates per session for the 2026-2027 academic year are:

2026-2027 family enrolment premium rates:

Both Health & dental plans = $202.92 per term

To opt-in complete and submit the APUS Health & Dental Opt-In Form here.

APUS members (aged 65-80) have the option to opt-in to APUS health and dental plan. Senior students study free, and so aren’t charged incidental fees by the University, and so aren’t automatically charged APUS fees.

To opt-in as a senior student, complete and submit the APUS Health & Dental Opt-In Form here.

Dental, Vision, and Hearing Discounts

Your plan includes access to the Student Dental Discount Network; a network of providers offering students up to 30% off services. See list here.

APUS members may choose to opt-out of the APUS health and dental coverage to be refunded the fee. To opt-out you must demonstrate proof of alternative coverage (i.e. employer coverage, partner/spousal coverage, parental/guardian coverage). This proof includes the name of your insurer and policy number. 

You can apply to opt-out once per academic year in the session in which you are first registered. Opt-outs do not carry over year-over-year, or student union over student union (i.e. if you become full-time student see your full-time provider). There are no extensions to opt-out deadlines.

2026-2027

NEW OPT-OUT PLATFORM AS OF SEPTEMBER 1, 2026.

APUS is excited to introduce a new and improved way to manage your Student Health & Dental Plan. Beginning this year, all  opt-out requests will be completed through our new Student Benefits Portal.

This new platform, in partnership with the Canadian Federation of Students (CFS) and Student First by Prosum, will deliver a simpler, more secure and convenient experience while giving you access to important information about your student benefits coverage, programs and services, all in one place.

BEFORE YOU BEGIN:

Please check your ACORN invoice, and if you see ‘APUS Health Plan’ and ‘APUS Dental Plan’ you can opt-out under APUS. Fall and full-year students can opt-out starting September 1st. Winter-only students can opt-out starting January 1st.

You would have received an email from Telus Health to your UofT email address with instructions to register your account. Please check your spam folder.

What You Need to DO

On the Student Benefits Portal, your opt-out event can be viewed and completed with your secure student access.

Your Student Benefits Portal: utoronto.studentplans.ca—click “Need Help” for registration instructions

How to Get Started:

1. Check Your Email
   • New students must wait for a welcome email before registering. Check your inbox and spam folder.
2. Complete Self-Registration
   • First-time users click “Self Register” and follow the on-screen steps to create your account:
     • Last Name
     • Student ID: student number
     • University Short Code: UOT
3. Opt-Out
   • Once registered, complete the Opt-out waiting event of the benefit plan
4. Review Your Coverage
   • Once registered, explore your benefit details, coverage limits, and eligible services.

If you are a new student and are unable to register your account, you may need to wait for an email from Telus Health to your student account letting you know your account is ready and that you can register.

OPT-OUT STEPS:  See the Student Benefits Portal Guide here, page 8, for more information

What happens next? Approved opt-outs receive a refund. 

Shortly after your opt-out request is received, GSC will send you a confirmation email with a transaction number. Do keep a copy of the email until your refund is issued (end of term). That confirmation email is your proof. 

It takes time. Why? In short, because opt-outs are validated against the University of Toronto’s student lists only after the final drop deadline dates of the term, and then arranged with GSC. APUS advocates for faster turnaround times, and we hope you see improvements. 

Check: Black-out Period

At the beginning of Fall and Winter term, the insurance provider processes member information. Until the school’s information is processed you can’t register for an online account and they can’t process any claims. This is called a black-out period or inactive period. 

As a member, you are covered. Keep those receipts and you can submit once the inactive period is over. 

APUS is working with Green Shield Canada to shorten these periods.

Check: Contact GSC

Sometimes treatments are covered, but brand name prescriptions are not. Call GSC. 

Tip: Call in advance to see what options are covered.

Check: Your Insurance Number and Student Status

If you’ve become a full-time student, remember your insurance number changes. It will no longer start with APU[student number]. Re-register with your current student number and plan. 

Your plan is tied to your student status. If you are no longer a student, your plan ends. Contact: services@apus.ca

Check: Contact info on file & spam 

If you received confirmation for your opt-out but haven’t received your refund (either January or May), check that GSC account has your right email on file. And because they send refund details by email, check your spam folder.

If you still have issues, contact services@apus.ca for updates.