Yes. During the Change-of-Coverage & Opt-Out Period, you can opt out of the Plan either partially or completely. Only new Winter Term students can opt out during the Winter Change-of-Coverage & Opt-Out Period.

All opt outs and coverage changes are done online through the website by clicking here. You’ll need your student ID number and your date of birth. Changing your coverage online ensures quick processing and allows you to receive an instant confirmation of your changes.

After you’ve successfully opted out, you'll receive an automated confirmation email once it’s complete. If you don’t receive a confirmation email by the end of the corresponding Change-of-Coverage & Opt-Out Period, please contact the Care Centre.

If you opt out before Aug. 26, 2021, you’ll have the Plan fee reversed from their student account by the tuition fee payment deadline. If you complete an opt out between Aug. 26, 2021 – Sept. 29, 2021, you’ll have the Plan fee credited to your student account shortly after the end of the Change-of-Coverage & Opt-Out Period and will need to pay all the university fees, including the MCSS Health & Dental Plan fee, by the tuition fee payment deadline. For more information and for new Winter Term student refund deadlines, click here.

All self-enrolments are done online through the website by clicking here. You’ll need your student ID number and your date of birth. Self-enrolling online ensures quick processing and allows you to receive an instant confirmation of your self-enrolment request.

If the university didn’t bill you automatically but you’re eligible for the Plan, you must provide proof of eligibility (“Invoice/Facture”) during the online self-enrolment process.

Once your self-enrolment and proof of eligibility documents have been reviewed, you’ll receive an automated email with payment instructions and a deadline during or shortly after the Change-of-Coverage & Opt-Out Period.

Yes, if you’re an international student who is eligible for the dental portion of the Plan and have been granted a Quebec Medicare card (RAMQ), you may also enrol yourself in the health portion of the Plan by completing our Enrolment Form which is available online, during the appropriate Change-of-Coverage & Opt-Out Period. You’ll be required to provide a copy of your RAMQ card during the enrolment process.

All self-enrolments for Fall Term students are valid from Sept. 1, 2024 – Aug. 31, 2025. New eligible Winter Term students may enrol themselves in the Plan for coverage between Jan. 1 – Aug. 31, 2025.

Your Plan gives you the option to enrol your family (spouse and/or dependent children) during the Change-of-Coverage & Opt-Out Period by completing an enrolment process and by paying an additional fee, over and above your individual fee as a Plan member, through the website by clicking here. Common law couples are eligible. Only new Winter Term students can enrol their dependants during the Winter Change-of-Coverage & Opt-Out Period.

Your Plan gives you the option to enrol your dependent children and/or your spouse. You can only cover one spouse at a time.

No, you must remain covered by the Plan in order to enrol your eligible family members. Dependants’ coverage must be equal to or lesser than the Plan member’s coverage.

Coverage is only for the current policy year. If you want to cover your dependants in subsequent policy years, you must renew your couple/family coverage during the Change-of-Coverage & Opt-Out Period at the beginning of each school year.

You can submit claims quickly and easily on the go through Desjardins Insurance’s Omni^TM mobile app available on the App Store or Google Play.Alternatively, you can also submit your receipts and paper claims directly to Desjardins Insurance by mail, or online through Desjardins Insurance’s secure web portal. For more information, click here.  

An explanation of benefits (EOB) statement tells you what portion of a claim was paid to the health-care provider and what portion you must pay. Once your claim has been processed, you’ll receive an EOB from your insurer either electronically or by mail.

Your Certificate Number is your 9-digit student ID number.

Once you’ve submitted your first claim and it’s been processed, you can register for direct deposit. You must first create an online account with Desjardins Insurance. Visit Desjardins Insurance's secure portal by clicking here. You'll be asked to enter your Group Number and your Certificate Number. For more information, click here.

Once you’ve submitted your first claim and it’s been processed, you can register for an online account with Desjardins Insurance, which will allow you to track and view details of your claims. Visit Desjardins Insurance's secure portal by clicking here. You'll be asked to enter your Group Number and your Certificate Number. For more information, click here.

Yes, Desjardins Insurance must receive your claim within 12 months of the date the service was incurred. 

Yes, prescription drug coverage is available through the MCSS Plan including coverage for most oral contraceptives, anti-smoking aids, and insulin. For more information and prescription drug maximums, click here.

In order to claim for prescription drugs covered by your Plan, you must first be covered by RAMQor a private or public drug insurance plan. For more information, click here. 

To find out if a drug is eligible for coverage under the Plan, please log into your secure Desjardins portal or Omni app. Next, access the drug cost simulator and pharmacy value finder tool under Coverage Information/Drug Coverage. In just a few seconds, you can see whether or not a drug is covered, the drug’s average cost, and more.

If you don’t have access to a private or public drug plan(through your employer, parents, or spouse), you must register for the RAMQ Public Prescription Drug Insurance Plan. For more information, click here.

All claims for prescription drugs must first be submitted to a parent’s or spouse’s/employee plan or to RAMQ before being submitted to the student Health Plan.Quebec residents can be covered for up to 100% of eligible prescription drug costs by combining their private/RAMQ drug coverage and their student Health Plan. For more information, click here.

The Studentcare Networks are composed of different types of health and dental practitioners conveniently located in your area and other regions of Canada. Their commitment to helping students provides you with the option of paying less for their services. Studentcare Networks savings work in addition to your insured benefits so that you can save even more money.

You’re not limited to Studentcare Networks members. You’re covered for the insured portion regardless of the practitioner you choose. By consulting a member of the Studentcare Networks, you’ll get additional coverage.

Yes, you can access your Plan benefits if you have access to any Canadian provincial health-care coverage.

If you’re covered by health care from another province, you can still claim for prescription drug costs under your student Health Plan. For coverage details, click here.

Yes, you can use your Plan benefits anywhere in Canada. For more information on how to claim, click here.

Yes, if you’re covered by another extended plan in addition to your student Plan (e.g. through a parent's or spouse's employer, or your own employer), you may coordinate the benefits in order to increase your overall coverage, up to 100%.

If you’re covered by your employer in addition to a student Plan, your employee plan is your primary plan. All claims must first be submitted to your employee plan, and then the remaining balance can be sent to your student Plan. For step-by-step instructions, click here.

If you’re covered by your spouse’s or parent’s plan in addition to a student Plan, your student Plan is your primary plan. All claims must first be submitted to your student Plan, and then the remaining balance can be sent to your spouse’s or parent’s plan. For step-by-step instructions, click here.

Yes. During the Change-of-Coverage Period you can opt out of Legal Essentials online by clicking here. You will be required to select your student association and provide your valid student ID and date of birth. Once your opt out is complete, you will receive a Legal Protection Program opt-out confirmation email. Please note: opting out of Legal Essentials will not affect your other MCSS Health & Dental Plan benefits. Should you wish to change your Health & Dental Plan coverage, please click here for more information. 

Yes. During the Change-of-Coverage & Opt-Out Period, you can opt out of Virtual Health Care (Dialogue) online by clicking here. You will be required to select your student association and provide your valid student ID and date of birth. Once your opt out is complete, you will receive a Virtual Health Care opt-out confirmation email. Please note: opting out of Virtual Health Care will not affect your other MCSS Health & Dental Plan benefits. Should you wish to change your Health & Dental Plan coverage, please click here for more information.