Did you know that as a full-time student, you are automatically enrolled in York University’s health and dental plan provided by York’s Federation of Students (YFS)? Many new and returning students like myself are not taking full advantage of this opportunity — but we should. Ideally, everyone is supposed to get a dental checkup and cleaning every year, but I have not done mine in two years. I know! I know! It sounds totally gross, but I generally take very good care of my teeth, so I figured I could relax. Yet at the same time I feel I’m doing myself a disservice by not using something I have been given and that, clearly, I’ve paid for. So, I’m planning a dental visit very soon and have decided to do some research on the coverage I could use to pay for my future appointment.
Every student is automatically enrolled into the YFS Health and Dental plan. This means that as a full-time student, you are charged $254.52 for 12 months of health and dental coverage. For an additional charge, the plan can cover your child and or/spouse. It costs an additional $241.56 to add one dependent and $358.68 to add more than one (so $496.08 and $613.20, respectively, for you and your one or more dependents). Part-time students incur a cost of $647.40 for just themselves and an additional $633.60 for one dependent or an additional $948.12 for more than one dependent.
If you do not want the plan, you can opt out before October 30, 2015, for the Fall term, and February 12, 2016, for the Winter semester. While many students are tempted to opt out, staying in makes a worthy investment in your well-being. I remember looking at my tuition statement one day and thinking, “What am I being charged this for?” I know the feeling of wanting to save that extra money, but I highly recommend you keep the health and dental plan because it covers a lot of things. Here are some of them:
- Dental: 75% up to $500.
- Vision care: $100 for 24 months.
- Eye Exam: $65 for up to 24 months.
- Prescription drugs: 80% for up to $1,000.
- Chiropractic care, acupuncture, physiotherapy and other services: $25 per visit for up to $300.
- Orthodontics: 100% up to $200 for 24 months.
For a full list of benefits, download the benefit booklet from the YFS website. To give you a rundown procedure of how to use your plan, I’ll be doing a post about my dental visit and how this coverage came in handy, so stay tuned. For more information about the health and dental plan, including frequently asked questions, contact YFS through their website or call 416-736-5324. The website also contains a link to the online opt-out form if you decide not to take advantage of the plan after all.
Note: This is an edited and updated version of a post written by Jamila and originally published on March 6, 2014.